Are Home Warranties Worth It for Henderson Residents?
Yes, home warranties are worth it for Henderson residents. Summers in Henderson are very hot, which makes it very important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.
Henderson winters are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we requested from home warranty companies across the nation.
Even the infrequent rain in Henderson can damage your home's roof. The financial burden of this will be lessened if your home warranty has roof-leak coverage. Finally, your home warranty will connect you with service providers you can trust.
Investing in a reputable home warranty company is worth it because companies vet their technicians. If you're focused on work or other priorities, your home warranty company can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you choose the right home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and discovered that the average home warranty costs between $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranty plans typically cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Consider your specific needs before choosing a plan, as getting add-on coverage options will raise the monthly price.
Coverage
You can often find home warranty plans that cover specific systems and appliances. Decide whether you need coverage for major systems (like air conditioning), specific appliances, or for both. Then ask your provider what its options are 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
Usually, home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, defects, theft, or routine maintenance aren't covered either. You can read about your provider's exclusions and limitations within your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Provider Reputation
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Looking at reviews can give you a sense of how providers handle claims and customer service. Check with the Nevada Bureau of Consumer Protection to verify that a provider holds a license with the state.
Contractor Network
Consider a home warranty company's network of service providers. Reliable home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. If you can, use a provider that mentions service contractors you're familiar with. Homeowners in rural areas might prefer a home warranty that lets them 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 Henderson
Do I need a home warranty in Henderson?
What are preexisting conditions?
What is the best home warranty provider in Henderson?
Can I get a home warranty that covers 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?
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