Are Home Warranties Worth It for Fairfield Residents?
Yes, home warranties are worth it for Fairfield residents. Fairfield summers can have some very hot days, which means it's important that your air conditioner works well. However, over time this system can malfunction from heavy use.
Fairfield has relatively mild winters, but there are still days you'll need your heating. The cost of an HVAC system replacement can range between $2,500 and $8,000. Home warranties, on the other hand, come in at only $644–$737 per year, based on 120 quotes we requested from home warranty companies across the nation.
Fairfield's regular rain showers can also affect your home's roof. Some home warranty companies offer limited roof-leak coverage to ease the financial burden of 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 these key factors when choosing the best home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. There are also service call fees whenever you file a claim. Service call 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 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 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
Home warranties typically only cover damage from normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover cosmetic issues or appliance components, defects, theft, or routine maintenance. Your provider will outline its limitations and exclusions in your service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another key factor to consider. You can find customer reviews on sites such as Google Reviews, Trustpilot, and Best Company or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can provide insight into how a company handles customer service and claims. Check with the Ohio Consumer Protection Section to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Ask where and how it sources technicians—reputable companies should always use licensed and registered contractors. If you can, use a provider that mentions the names of familiar contractors. Rural homeowners might opt for a home warranty that allows them to choose their technician. It's important to have the option to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Fairfield
Is a home warranty required in Fairfield?
What are preexisting conditions?
What is Fairfield's best home warranty provider?
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 do I file a claim with my home warranty provider?
To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.