Are Home Warranties Worth It for Rochester Residents?
Home warranties are worth it for Rochester residents. Summers in Rochester are fairly mild, but it's still important for your air conditioner to work properly. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Rochester winters are freezing, which makes having reliable heating extremely important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
The regular rain in Rochester can damage your roof. Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, a home warranty connects you with trustworthy service providers.
A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, your home warranty company can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when choosing the right home warranty plan for you.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 per month. You'll also pay a service call fee each time you file a claim. These fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before selecting a plan.
Coverage
You can look for a home warranty plan that covers specific systems and appliances. Determine whether you need coverage for major systems (like heating), specific appliances, or for both. Then ask your provider about its options for customized coverage. Here 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 typically only cover damage from normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies will also not cover cosmetic issues or appliance components, defects, routine maintenance, or theft. Providers will outline limitations and exclusions in their service contracts. Thoroughly read your contract to make sure you understand your plan's terms and conditions.
Provider Reputation
Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. These reviews can show you how companies handle customer service and claims. Check with the Minnesota Attorney General to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's network of service providers. Quality home warranty providers source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. If you can, use a provider that mentions the names of familiar service contractors. Residents of rural areas should consider going with a home warranty provider that customers choose their technician. Rural areas may not have any in-network service providers available, so customers might need to source their own.
Frequently Asked Questions About Home Warranty in Rochester
Do I need a home warranty in Rochester?
What are preexisting conditions?
What is Rochester's best home warranty provider?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How long does a home warranty typically last?
How do I file a claim with my home warranty provider?
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