Are Home Warranties Worth It for Carson City Residents?
Yes, home warranties are worth it for Carson City residents. Summers in Carson City can have some very hot days, which means it's important that your air conditioner is working well. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Carson City also has cold winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range between $2,500 and $8,000. A home warranty plan is comparatively cheaper, only $644–$737 a year, based on 120 quotes we received from home warranty companies across the nation.
Even in Carson City, over time rain can damage your roof. Some home warranty companies offer limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, 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
Consider 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 found that home warranties cost approximately $53–$62 per month. You'll also pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options raise the monthly cost, so consider your particular needs before purchasing a plan.
Coverage
Figure out which systems and appliances you use most often. You want your home warranty plan to cover these items. Most home warranties can be tailored to your needs, and many companies offer systems-only plans for homeowners that only need select coverage (such as for heating). You can also find plans that cover only select appliances. 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
Typically, 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, theft, or defects are also not covered. Providers outline their exclusions and limitations in their service contracts. Thoroughly read your contract to ensure you understand the terms and conditions of your plan.
Provider Reputation
Consider a provider's reputation before purchasing a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. These reviews can give you an idea of how providers handle claims and customer service. Check with the Nevada Bureau of Consumer Protection to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's service provider network. Any company you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company where and how it sources technicians. If you can, use a provider that mentions service contractors you're familiar with. Rural homeowners may prefer home warranty policies that allow you to choose your technician. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Carson City
Do I need a home warranty in Carson City?
What are preexisting conditions?
What is the best home warranty provider in Carson City?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How is a home warranty different from homeowners insurance?
How can I maximize the value of my home warranty?
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