Are Home Warranties Worth It for Plainfield Residents?
Home warranties are worth it for Plainfield residents. Summers in Plainfield can get hot, which makes it important to have a reliable air conditioner. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Plainfield has relatively mild winters, but there are still days you'll need your heating. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. A home warranty plan is comparatively cheaper, only $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
The frequent rain in Plainfield can damage your roof. The cost of repairs will be lower if your home warranty has roof-leak coverage. Lastly, home warranties connect you with trustworthy service providers.
Reputable home warranty companies vet every service provider they use. 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
Think about these key factors when picking your home warranty plan.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost roughly $53–$62 per month. You'll also pay service call fees each time you file a claim. Service call fees range from $65–$125 per claim. Basic home warranty plans are generally more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know your specific needs before selecting a plan.
Coverage
You can often find home warranty plans that cover specific appliances and systems. Determine whether you want coverage for major systems (such as air conditioning), specific appliances, or for both. Then ask your provider what its options are for customized coverage. 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
Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude appliance components or cosmetic issues, routine maintenance, defects, or theft. Your provider will outline its exclusions and limitations in its service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.
Provider Reputation
Also, consider a provider's reputation. You can also browse real customer reviews on sites like Best Company, Google Reviews, and Trustpilot. Reviews and ratings can show how a company handles claims and customer service. Check with the New Jersey Division of Consumer Affairs to verify that a provider holds a license with the state.
Contractor Network
Consider a home warranty company's service provider network. Quality home warranty providers source licensed and registered contractors to fulfill service requests. We suggest asking a provider where and how it sources technicians. We recommend picking 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'll need the option to source your own.
Frequently Asked Questions About Home Warranty in Plainfield
Do I need a home warranty in Plainfield?
What are preexisting conditions?
What is the best home warranty provider in Plainfield?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty 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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