Are Home Warranties Worth It for Duluth Residents?
Home warranties are worth it for Duluth residents. Duluth generally has mild temperatures, but you may still use your air conditioner frequently during the warmer months. Your air conditioning system may malfunction over time due to breakdowns from regular wear and tear.
Duluth winters are freezing, which makes having reliable heating extremely important. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
Even in Duluth, over time rain can cause damage to your home's roof. Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, home warranties connect you with trustworthy service providers.
When life is keeping you busy, you want to know that a reliable technician is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you determine the best home warranty plan for your needs.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You'll also pay a service call fee of approximately $65–$125 whenever you file a claim. Comprehensive home warranty plans generally cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options increase your monthly price, so consider your particular needs before purchasing a plan.
Coverage
Many home warranty providers offer plans for select appliances or systems. Figure out which systems and appliances you use most often before choosing a plan. If you only need to cover certain major systems (such as heating) or specific appliances, you can find a plan that meets your needs. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Home warranties generally only cover normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover appliance components or cosmetic issues, defects, routine maintenance, or theft. Each provider will outline its exclusions and limitations in its service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.
Provider Reputation
Look into a provider's reputation before deciding on a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites like Best Company, Trustpilot, and Google Reviews. These reviews can give you an idea of how providers handle claims and customer service. Check with the Minnesota Attorney General to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Be sure to ask your company where and how it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. If you can, use a provider that mentions service contractors you're familiar with. Residents of rural areas should consider a home warranty policy that allows the customer to choose their technician. Rural areas may not have any in-network service providers available, and customers might need to source their own.
Frequently Asked Questions About Home Warranty in Duluth
Is a home warranty required in Duluth?
What are preexisting conditions?
What is the best home warranty provider in Duluth?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How do I file a claim with my home warranty provider?
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