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 is working well. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Oregon City winters are very cold, meaning you rely on your heating system often. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. Oregon City's heavy rain can also affect your home's roof.
Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Lastly, home warranties connect you with trusted service providers. Reputable home warranty companies vet every service provider they use.
If you're busy with work or other priorities, 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 best home warranty plan for your needs.
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 approximately $65–$125 whenever you file a 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.
Coverage
Most home warranties can be somewhat customized to your needs. Make a list of the systems and appliances that you use often and need coverage for. If you only want coverage for select systems or appliances (such as your heating), 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
Home warranties usually only cover breakdowns from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover appliance components or cosmetic issues, theft, routine maintenance, or defects. You can find your provider's exclusions and limitations in your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Provider Reputation
Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. These reviews can show you how companies 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 service provider network. Ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. Choose a provider that mentions contractors you're familiar with. Rural homeowners may prefer home warranty policies that allow customers to choose their technicians. There may not be any in-network service providers in these areas, so you'll want the option to choose 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 the best home warranty provider in Oregon City?
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?
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