Are Home Warranties Worth It for Oregon City Residents?
Yes, home warranties are worth it for Oregon City residents. Summers in Oregon City can have some very hot days, which means it's important that your air conditioner works well. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Winters in Oregon City are very cold, which means having reliable heating is important. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.
Oregon City's heavy rain can damage your home's roof. Some home warranty companies offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, 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 every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you determine the best home warranty plan for your needs.
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 monthly. You'll also pay a service call fee each time you file a claim. Service call fees typically range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before selecting a plan.
You can often find home warranty plans that cover specific systems and appliances. Decide whether you want coverage for major systems (such as heating), specific appliances, or for both. Then ask your provider about its options for customized coverage. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Home warranties usually only cover normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover cosmetic issues or appliance components, defects, routine maintenance, or theft. Providers outline exclusions and limitations with their service contracts. Make sure you read it and understand your plan's exact terms and conditions.
Also, consider provider reputation. You can also find real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. Ratings and reviews can show you how a company handles customer service and claims. Check with the Oregon Department of Justice to verify that a provider holds a license with the state.
Take into account a home warranty company's service provider network. The provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company how and where it sources technicians. We recommend picking 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 Oregon City
Is a home warranty required in Oregon City?
What are preexisting conditions?
What is Oregon City's best home warranty provider?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How can I maximize the value of my home warranty?
How is a home warranty different from homeowners insurance?
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