Are Home Warranties Worth It for Hillsboro Residents?
Home warranties are worth it for Hillsboro residents. Summers in Hillsboro 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.
Winters in Hillsboro are very cold, which means having reliable heating is important. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
Hillsboro's heavy rain can cause damage to your roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, home warranties connect you with trusted service providers.
Reputable home warranty companies vet each service provider they work with. If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you choose the right home warranty plan for your needs.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 monthly. Additionally, you'll pay a service call fee whenever you file a claim. Service call fees can range from $65–$125 per claim. Comprehensive home warranty plans generally cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options raise the monthly cost, so consider your particular needs before purchasing a plan.
Coverage
Figure out which appliances and systems you use most often. You'll want a home warranty plan that covers these items. Most home warranties can be customized to your needs, and many providers offer systems-only plans for those who only want select coverage (such as for heating). You can also get a plan that only covers 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
Typically, home warranties only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, theft, routine maintenance, or defects are also not covered. Providers will outline limitations and exclusions in their service contracts. Thoroughly read your contract to make sure you understand the terms and conditions of your plan.
Provider Reputation
Also, consider provider reputation when choosing a plan. You can find customer reviews on sites like Google Reviews, Best Company, and Trustpilot or look at a company's rating with the Better Business Bureau (BBB). Ratings and reviews are a great way to learn how providers handle claims and customer service. Check with the Oregon Department of Justice to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Your company should always use licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. Choose a provider that mentions service contractors you're familiar with. Residents of rural areas may consider choosing a home warranty provider that lets customers select their technicians. It's important to have the option to source your own providers if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Hillsboro
Do I need a home warranty in Hillsboro?
What are preexisting conditions?
What is the best home warranty provider in Hillsboro?
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 is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
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