Are Home Warranties Worth It for Middletown Residents?
Home warranties are worth it for Middletown residents. Middletown summers can have some very hot days, which means it's important that your air conditioner is working well. However, this system can malfunction over time from heavy use.
Winters in Middletown can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.
Middletown'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 trustworthy service providers.
Reputable home warranty companies vet all their service providers. If life keeps you busy, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when picking the right home warranty plan for you.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that the average home warranty costs between $53–$62 per month. You also have to pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before selecting a plan.
Coverage
Figure out which appliances and systems you use the most. You want your home warranty plan to cover these items. Most home warranties can be customized to your needs, and many companies offer systems-only plans for those who only need select coverage (such as for air conditioning). You can also find plans that cover only select appliances. 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 cover only normal wear and tear, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude cosmetic issues or appliance components, defects, routine maintenance, or theft. You can find your provider's limitations and exclusions within your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Provider Reputation
You should also consider provider reputation. You can also find customer reviews on sites like Google Reviews, Trustpilot, and Best Company. Ratings and reviews can show you how providers handle 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 network of service providers. Your provider should always use licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. Select a provider that mentions service contractors you're familiar with. Those residing in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in Middletown
Do I need a home warranty in Middletown?
What are preexisting conditions?
What is the best home warranty provider in Middletown?
Do home warranties cover 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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