Are Home Warranties Worth It for Great Falls Residents?
Yes, home warranties are worth it for Great Falls residents. Great Falls generally has mild temperatures, but you may still use your air conditioner frequently during warmer months. Your air conditioner may malfunction over time due to breakdowns from regular wear and tear.
Great Falls winters can be freezing, which means you rely heavily on your heating system. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies across the nation. Even the infrequent rain in Great Falls can damage your home's roof.
The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Lastly, home warranties connect you with trusted service providers. Reputable home warranty companies vet all their service providers.
If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when picking 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 approximately $53–$62 monthly. You'll also pay a service call fee every time you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before choosing a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Think about which appliances and systems you use often and want coverage for. If you only need coverage for select systems or appliances (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 only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, routine maintenance, defects, or theft aren't covered either. Providers outline exclusions and limitations with their service contracts. Make sure you read it and understand your protection plan's exact terms and conditions.
Provider Reputation
You should also consider a provider's reputation. You can also browse customer reviews on sites like Best Company, Trustpilot, and Google Reviews. Reviews and ratings can show you how a company handles claims and customer service. Check with the Montana Office of Consumer Protection to verify that a provider holds a license with the state.
Contractor Network
Take into account a home warranty company's network of service providers. Ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. Choose a provider that mentions the names of familiar contractors. Those who live in rural areas should consider a home warranty that allows you to choose your technician. You may not have any in-network service providers in your area, so you'll need the option to source your own.
Frequently Asked Questions About Home Warranty in Great Falls
Do I need a home warranty in Great Falls?
What are preexisting conditions?
What is Great Falls' best home warranty provider?
Do home warranties cover 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 can I maximize the value of my home warranty?
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