Best 7 Home Warranty Companies in Bellevue, NE

Are Home Warranties Worth It for Bellevue Residents?

Home warranties are worth it for Bellevue residents. Summers in Bellevue can get hot, which makes it important for your air conditioner to work properly. However, this system can malfunction over time from heavy use.

Winters in Bellevue are very cold, which means having reliable heating is important. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.

The regular rain in Bellevue can damage your home's roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, 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

Think about these important factors when determining 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 an average of $53–$62 per month. Additionally, you'll pay a service call fee whenever you file a claim. These fees can range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before committing to a plan.

Coverage

Most home warranty companies can tailor a plan to your needs. Think about which systems and appliances you use often and need coverage for. If you only want coverage for select systems or appliances (such as your heating), you can often find plans to fit. 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

Generally, home warranties don't cover preexisting conditions or improper installation. Most policies only cover normal wear and tear. Most will also exclude cosmetic issues or appliance components, theft, defects, or routine maintenance. Providers will outline limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand the terms and conditions of your plan.

Provider Reputation

Provider reputation is another key factor to consider. You can find customer reviews on sites such as Trustpilot, Best Company, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can provide insight into how a company handles claims and customer service. Check with the Nebraska Consumer Protection Division to verify that a provider holds a valid state license.

Contractor Network

Take into account a home warranty company's service provider network. Be sure to ask your company how and where it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. Select a provider that mentions service contractors you're familiar with. Rural homeowners may prefer home warranty policies with the option to choose their technicians. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.