Are Home Warranties Worth It for Tulsa Residents?
Home warranties are worth it for Tulsa residents. Tulsa experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioning system may malfunction over time from heavy use.
Tulsa winters are fairly mild, but you still want a reliable heating system. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. The regular rain in Tulsa can damage your home's roof.
Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, your home warranty will connect you with service providers you can trust. A reputable home warranty is a good investment because companies vet their technicians.
When life keeps you busy, your home warranty provider can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when selecting your home warranty plan.
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. There are also 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. A home systems coverage plan will usually cost more than an appliance plan. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know your specific needs before choosing a plan.
Determine which systems and appliances you use most often. Most home warranties offer customizable coverage tailored to your needs. If you only want coverage for certain systems, such as your air conditioner, most providers offer systems-only plans. The same is true if you only need coverage for certain appliances. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Usually, home warranties only cover damage from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, appliance components or cosmetic issues, defects, theft, or routine maintenance aren't covered either. A provider will outline its limitations and exclusions in its service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.
Also, consider a provider's reputation. You can also read customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. Reviews and ratings can show how providers handle customer service and claims. Check with the Oklahoma Attorney General to verify that a provider holds a license with the state.
Take into account a home warranty company's network of service providers. Ask where and how it sources technicians—reputable providers should always use licensed and registered contractors. Choose a provider that mentions contractors you're familiar with. Residents of rural areas should consider going with a home warranty provider that customers choose their technician. There may be no in-network service providers available in these areas, so customers might need to source their own.
Frequently Asked Questions About Home Warranty in Tulsa
Is a home warranty required in Tulsa?
What are preexisting conditions?
What is the best home warranty provider in Tulsa?
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 is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
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