Are Home Warranties Worth It for Corvallis Residents?
Home warranties are worth it for Corvallis residents. Summers in Corvallis can get hot, which makes it important to have a reliable air conditioner. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Corvallis has relatively mild winters, but there are still days you'll need your heating. The cost of replacing your HVAC system can range anywhere from $2,500–$8,000. Home warranties are comparatively cheaper at only $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
The frequent rain in Corvallis can damage your roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Lastly, home warranties connect you with trustworthy service providers.
When life is keeping you busy, you want to know that a reliable technician is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you determine the best home warranty plan for your needs.
Cost
We requested 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 whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans generally 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 raise the monthly price.
Coverage
Most home warranties can be somewhat customized to your needs. Make a list of the appliances and systems that you use often and want covered. If you only need coverage for select systems or appliances (such as your air conditioning), you can often find plans to fit. 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
Generally, home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, theft, defects, or routine maintenance are also not covered. Your provider will outline its limitations and exclusions in your service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.
Provider Reputation
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Google Reviews, Best Company, and Trustpilot. These reviews can show you how providers handle customer service and claims. Check with the Oregon Department of Justice to verify that a provider holds a license with the state.
Contractor Network
Take into account a home warranty company's service provider network. Reputable home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider where and how it sources technicians. If you can, use a provider that mentions the names of familiar service contractors. Residents of rural areas might prefer a home warranty that lets them choose their technician. It's important to have the option to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Corvallis
Do I need a home warranty in Corvallis?
What are preexisting conditions?
What is the best home warranty provider in Corvallis?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How is a home warranty different from homeowners insurance?
How can I maximize the value of my home warranty?
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