Are Home Warranties Worth It for Tigard Residents?
Home warranties are worth it for Tigard residents. Tigard summers 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.
Tigard winters are very cold, meaning you rely on your heating system often. Replacing your HVAC system can cost between $2,500 and $8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. Tigard's heavy rain can damage 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 reliable service providers. Reputable home warranty companies vet all their service providers.
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
Consider these important factors when selecting the right home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost approximately $53–$62 per month. You'll also pay service call fees each time you file a claim. Service call 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. You can often get add-on coverage for an additional monthly cost. Be sure you know what you need before purchasing a plan.
Coverage
You can look for a home warranty plan that covers specific systems and appliances. Determine whether you want coverage for major systems (like 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
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Usually, home warranties don't cover improper installation or preexisting conditions. Most policies will only cover breakdowns from normal wear and tear. Most also exclude appliance components or cosmetic issues, routine maintenance, theft, or defects. Providers outline limitations and exclusions within their service contracts. Make sure you read yours carefully to fully understand your plan's terms and conditions.
Provider Reputation
Consider a provider's reputation before purchasing a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites like Trustpilot, Google Reviews, and Best Company. Reading these reviews gives you an idea of how providers handle claims and customer service. Check with the Oregon Department of Justice to verify a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Ask your provider how and where it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. If you can, use a provider that mentions the names of familiar service contractors. Those residing in rural areas should consider a home warranty policy that lets them choose their technician. In-network service providers may not be available in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in Tigard
Do I need a home warranty in Tigard?
What are preexisting conditions?
What is the best home warranty provider in Tigard?
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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