Are Home Warranties Worth It for Liberty Residents?
Yes, home warranties are worth it for Liberty residents. Liberty can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioner may malfunction over time from heavy use.
Liberty has relatively mild winters, but there are still days you'll need your heating. The cost of replacing your HVAC system can range between $2,500 and $8,000. Home warranties, on the other hand, come in at only $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.
Liberty's regular rain showers can also affect your roof. Some home warranty companies offer limited roof-leak coverage to financially assist with 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 all their service providers.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you choose the best home warranty plan for your needs.
We received 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $53–$62 per month. There are also service call fees that apply each time you file a claim. These fees 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.
Many home warranty providers offer systems-only plans or plans for select appliances. Figure out which appliances and systems you use the most before purchasing a plan. If you only need coverage for certain major systems (like air conditioning) or specific appliances, you can find a plan that meets your needs. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Generally, home warranties don't cover preexisting conditions or improper installation. Most policies will only cover damage from normal wear and tear. Most also exclude cosmetic issues or appliance components, routine maintenance, theft, or defects. A provider will outline its limitations and exclusions in your service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.
Also, consider provider reputation. You can also read customer reviews on sites like Best Company, Google Reviews, and Trustpilot. Reviews and ratings can show you how a company handles claims and customer service. Check with the Ohio Consumer Protection Section to verify that a provider holds a license with the state.
Consider 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. Residents of rural areas might consider choosing a home warranty provider that lets customers select their technicians. You'll want the option to source your own providers if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Liberty
Do I need a home warranty in Liberty?
What are preexisting conditions?
What is the best home warranty provider in Liberty?
Do home warranties cover 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?
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