Are Home Warranties Worth It for Dayton Residents?
Yes, home warranties are worth it for Dayton residents. Dayton summers can get hot, which makes it important for your air conditioner to work properly. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Dayton winters can be mild, but there are still 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 nationwide.
The regular rain in Dayton can cause damage to your roof. Some home warranty providers offer limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, home warranties connect you with reliable service providers.
Reputable home warranty companies vet all their service providers. If you're busy with work or other priorities, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors to determine the best home warranty for your needs.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 per month. Additionally, you'll pay a service call fee every time you file a claim. These fees typically range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as add-on coverage options will increase your monthly price.
Coverage
Most home warranty companies can tailor a plan to your needs. Make a list of the appliances and systems that you use often and would like coverage for. If you only need coverage for select systems or appliances (such as your air conditioning), you can often find plans to fit. 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 breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. Additionally, home warranties don't cover cosmetic issues or appliance components, theft, routine maintenance, or defects. You can find 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
Provider reputation is another key factor to consider. You can find customer reviews on sites like Best Company, Google Reviews, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can give you 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
Consider a home warranty company's service provider network. Your provider should always send licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. Select a provider that mentions service contractors you're familiar with. Homeowners in rural areas may prefer home warranty policies that allow customers to choose their technicians. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Dayton
Is a home warranty required in Dayton?
What are preexisting conditions?
What is Dayton's best home warranty provider?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How can I maximize the value of my home warranty?
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