Are Home Warranties Worth It for St. Paul Residents?
Home warranties are worth it for St. Paul residents. Summers in St. Paul are fairly mild, but it's still important for your air conditioner to work properly. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Winters in St. Paul can be freezing, which means you rely heavily on your heating system. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. The regular rain in St. Paul can damage your roof.
The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Lastly, a home warranty connects you with trustworthy service providers. A reputable home warranty is a good investment because companies vet their technicians.
When life keeps you busy, your home warranty provider can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when choosing the best home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty costs between $53–$62 per month. There are also service call fees that apply whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans generally cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options increase your monthly price, so consider your particular needs before purchasing a plan.
Coverage
You can often find home warranty plans that cover specific systems and appliances. Decide whether you need coverage for major systems (such as heating), specific appliances, or both. Then ask your provider about its options for customized coverage. 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
Most home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. In addition, home warranties don't cover appliance components or cosmetic issues, defects, theft, or routine maintenance. Providers outline limitations and exclusions within their service contracts. We recommend reading carefully to fully understand your plan's terms and conditions.
Provider Reputation
Also, consider provider reputation. You can also find customer reviews on sites like Trustpilot, Best Company, and Google Reviews. Reviews and ratings can show how providers handle customer service and claims. Check with the Minnesota Attorney General to verify that a provider holds a valid state license.
Contractor Network
Take into account a home warranty company's service provider network. Companies should always use licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. We recommend picking a provider that mentions service contractors you're familiar with. Residents of rural areas may consider choosing a home warranty that lets them select their technicians. It's good to have the option to source your own providers if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in St. Paul
Do I need a home warranty in St. Paul?
What are preexisting conditions?
What is St. Paul's best home warranty provider?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How do I file a claim with my home warranty provider?
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