Are Home Warranties Worth It for Findlay Residents?
Yes, home warranties are worth it for Findlay residents. Findlay can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioner can malfunction over time due to breakdowns from regular wear and tear.
Findlay also has cold winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range anywhere from $2,500–$8,000. Home warranties are comparatively cheaper at only $644–$737 a year, based on 120 quotes we requested from home warranty companies nationwide.
Findlay's regular rain showers can also affect your roof. Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Finally, home warranties connect you with trustworthy service providers.
When life is keeping you busy, you want to know that a reliable technician is handling your repairs. Reputable home warranty companies vet every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you determine the right home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and found 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 typically more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. You can often get add-on coverage for an additional monthly cost. Be sure you know your specific needs before selecting a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Think about which appliances and systems you use often and need coverage for. If you only want coverage for select appliances or systems (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
Typically, home warranties don't cover improper installation or preexisting conditions. Most policies will only cover damage from normal wear and tear. Most will also exclude appliance components or cosmetic issues, routine maintenance, theft, or defects. Providers outline their limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand the terms and conditions of your plan.
Provider Reputation
Consider a provider's reputation before deciding on a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites like Best Company, Google Reviews, and Trustpilot. Reading these reviews gives you an idea of how companies handle customer service and claims. Check with the Ohio Consumer Protection Section to verify that a provider holds a valid state license.
Contractor Network
Take into account a home warranty company's service provider network. The company you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company where and how it sources technicians. Choose a provider that mentions service contractors you're familiar with. Rural homeowners may prefer home warranty policies that allow you to choose your technician. 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 Findlay
Is a home warranty required in Findlay?
What are preexisting conditions?
What is Findlay'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 long does a home warranty typically last?
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