Are Home Warranties Worth It for Brunswick Residents?
Yes, home warranties are worth it for Brunswick residents. Summers in Brunswick can have some very hot days, which means it's important that your air conditioner works well. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Brunswick also has cold winters, meaning your heating system is working constantly during the colder months. The cost of an HVAC system replacement can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
The regular rain in Brunswick can damage your home's roof. Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, 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 every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Think about the following factors to determine the best home warranty for your needs.
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'll also pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are typically more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know your specific needs before selecting a plan.
Coverage
Determine which appliances and systems you use the most. Most home warranty plans offer customizable coverage tailored to your needs. If you only need coverage for certain systems, like your heating, most providers offer systems-only plans. The same is true if you only want coverage for select appliances. 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
Generally, home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, appliance components or cosmetic issues, theft, defects, or routine maintenance are also not covered. Providers outline limitations and exclusions in their service contracts. We recommend reading carefully to fully understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another important factor to consider. You can read customer reviews on sites like Google Reviews, Best Company, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can provide insight into how a company handles claims and customer service. Check with the Ohio Consumer Protection Section to verify a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. The provider you choose should use licensed and registered contractors to handle service requests; make sure to ask your company how and where it sources technicians. We recommend picking a provider that mentions service contractors you're familiar with. Those residing in rural areas should consider a home warranty policy that lets them choose their technician. You may not have any in-network service providers in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in Brunswick
Do I need a home warranty in Brunswick?
What are preexisting conditions?
What is the best home warranty provider in Brunswick?
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 long does a home warranty typically last?
How do I file a claim with my home warranty provider?
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