Are Home Warranties Worth It for Youngstown Residents?
Yes, home warranties are worth it for Youngstown residents. Youngstown can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioner can malfunction over time due to breakdowns from regular wear and tear.
Youngstown also has cold winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range between $2,500 and $8,000. A home warranty plan is comparatively cheaper, only $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.
The regular rain in Youngstown can damage your home's roof. The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Lastly, a home warranty connects you with trustworthy service providers.
A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when choosing the right home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You'll also pay a service call fee of between $65–$125 each time you file a 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 choosing a plan.
Coverage
You can often find home warranty plans that cover specific systems and appliances. Determine whether you want coverage for major systems (like heating), specific appliances, or for both. Then ask your provider what its options are for customized coverage. 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
Most home warranties cover only normal wear and tear, which excludes improper installation and preexisting conditions. Additionally, most policies will exclude appliance components or cosmetic issues, defects, routine maintenance, or theft. Providers outline their exclusions and limitations in their service contracts. Read your contract thoroughly to make sure you understand your plan's terms and conditions.
Provider Reputation
You should also consider provider reputation. You can also find real customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. Reviews and ratings can show how a company handles claims and customer service. 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. Companies should always use 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 service contractors you're familiar with. Homeowners in rural areas should consider a home warranty policy that lets them choose their 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 Youngstown
Do I need a home warranty in Youngstown?
What are preexisting conditions?
What is Youngstown's best home warranty provider?
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 long does a home warranty typically last?
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