Are Home Warranties Worth It for Bozeman Residents?
Yes, home warranties are worth it for Bozeman residents. Summers in Bozeman are fairly mild, but it's still important that your air conditioner is working well. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Bozeman winters are freezing, which makes having reliable heating extremely important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.
Even the infrequent rain in Bozeman can damage your roof. The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Lastly, your home warranty will connect you with service providers you can trust.
A reputable home warranty is a good investment because companies vet their technicians. When life keeps you busy, your home warranty company can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when selecting the best home warranty 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 service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are typically more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know your specific needs before choosing a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Make a list of the appliances and systems that you use often and would like coverage for. If you only need coverage for select appliances or systems (such as your heating), you can often find plans to fit. 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
Usually, home warranties don't cover improper installation or preexisting conditions. Most policies will only cover damage from normal wear and tear. Most also exclude cosmetic issues or appliance components, defects, routine maintenance, or theft. You can find your provider's exclusions and limitations in your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Provider Reputation
Also, consider a provider's reputation when choosing a plan. You can read customer reviews on sites like Google Reviews, Trustpilot, and Best Company or look at a company's rating with the Better Business Bureau (BBB). Ratings and reviews are a great way to learn how providers handle customer service and claims. Check with the Montana Office of Consumer Protection to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Ask your provider where and how it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. We recommend picking a provider that mentions the names of familiar service contractors. Residents of rural areas might consider home warranties that allow the customer to choose their technician. It's important to have the option to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Bozeman
Do I need a home warranty in Bozeman?
What are preexisting conditions?
What is Bozeman'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 long does a home warranty typically last?
How can I maximize the value of my home warranty?
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