Are Home Warranties Worth It for Sparks Residents?
Home warranties are worth it for Sparks residents. Sparks can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioning system may malfunction over time due to breakdowns from regular wear and tear.
Sparks also has cold winters, meaning your heating system is working constantly during the colder months. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. Home warranties, on the other hand, come in at only $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
Even the infrequent rain in Sparks can damage your home's roof. The financial burden of this will be lessened if your home warranty has roof-leak coverage. Finally, home warranties connect you with reliable technicians.
When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when choosing your home warranty plan.
Cost
We received 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 also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are more affordable than comprehensive ones. Home systems coverage plans tend to cost more than appliance plans. With most plans, you can get add-on coverage options for an additional monthly cost. Consider your particular 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 want 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
Usually, home warranties only cover breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, routine maintenance, defects, or theft aren't covered either. Each provider will outline its exclusions and limitations in your service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.
Provider Reputation
Also, consider provider reputation when choosing a plan. You can find customer reviews on sites such as Best Company, Google Reviews, and Trustpilot or look at a company's Better Business Bureau (BBB) rating. Ratings and reviews are a great way to learn how providers handle claims and customer service. Check with the Nevada Bureau of Consumer Protection to verify a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Providers should always send licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. If you can, use a provider that mentions the names of familiar service 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 want the option to source your own.
Frequently Asked Questions About Home Warranty in Sparks
Is a home warranty required in Sparks?
What are preexisting conditions?
What is the best home warranty provider in Sparks?
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 long does a home warranty typically last?
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