Are Home Warranties Worth It for Warren Residents?
Home warranties are worth it for Warren residents. Summers in Warren can get hot, which makes it important to have a reliable air conditioner. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Warren also has cold winters, meaning your heating system is working constantly during the colder months. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. A home warranty plan is comparatively cheaper, only $644–$737 a year, based on 120 quotes we received from home warranty companies nationwide.
The regular rain in Warren can damage your home's roof. The financial burden of this will be lessened if your home warranty has roof-leak coverage. 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
These key factors can help you select the right home warranty plan for your needs.
Cost
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. 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 generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know what you need before choosing a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Make a list of the appliances and systems that you use often and would like coverage for. If you only want coverage for select systems or appliances (such as your heating), you can often find plans to fit. 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 will also not cover appliance components or cosmetic issues, defects, theft, or routine maintenance. Each provider will outline its limitations and exclusions in your service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.
Provider Reputation
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. These reviews can give you a sense of how providers handle customer service and claims. Check with the Ohio Consumer Protection Section to verify that a provider holds a license with the state.
Contractor Network
Consider a home warranty company's network of service providers. Be sure to ask your company where and how it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. We recommend picking 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. You may not have any in-network service providers in your area, so you want the option to source your own.
Frequently Asked Questions About Home Warranty in Warren
Is a home warranty required in Warren?
What are preexisting conditions?
What is the best home warranty provider in Warren?
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?
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