Are Home Warranties Worth It for Huber Heights Residents?
Home warranties are worth it for Huber Heights residents. Summers in Huber Heights can get hot, which makes it important for your air conditioner to work properly. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Winters in Huber Heights can be fairly mild, but there are still times when you want to have a reliable heating system. HVAC system replacement can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies across the nation. Huber Heights' regular rain showers can also affect your roof.
Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Finally, 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
These key factors can help you choose the right home warranty plan for your needs.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost roughly $53–$62 per month. There are also service call fees whenever you file a claim. These fees range from $65–$125 per claim. A basic home warranty will be more affordable than a comprehensive one. Appliance plans are typically less costly than home systems coverage plans. Most plans offer add-on coverage options for an additional monthly cost. Consider your particular needs before purchasing a plan.
Coverage
You can look for a home warranty plan that covers specific systems and appliances. Decide 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 improper installation and preexisting conditions. Most policies also exclude cosmetic issues or appliance components, theft, routine maintenance, or defects. A provider will outline its exclusions and limitations in its service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Provider Reputation
Carefully consider a provider's reputation before selecting a plan. Check its Better Business Bureau rating. Also read customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. Reading these reviews gives you an idea of how companies handle 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. Your provider should always send licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. If you can, use a provider that mentions the names of familiar service contractors. Rural homeowners might consider home warranties that allow the customer to choose their technician. You may need to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Huber Heights
Do I need a home warranty in Huber Heights?
What are preexisting conditions?
What is the best home warranty provider in Huber Heights?
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 can I maximize the value of my home warranty?
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