Are Home Warranties Worth It for Cookeville Residents?
Home warranties are worth it for Cookeville residents. Summers in Cookeville can get hot, which makes it important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.
Winters in Cookeville are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
Cookeville's heavy rain can also affect your roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Lastly, a home warranty connects you with trustworthy service providers.
A reputable home warranty is a good investment because companies vet their technicians. When life keeps you busy, your home warranty company can ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when determining the right home warranty plan for you.
We received 120 quotes for a 2,000-square-foot, single-family home and discovered that the average home warranty costs between $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranty plans generally cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options raise the monthly cost, so consider your specific needs before purchasing a plan.
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 appliances or systems (such as your air conditioning), you can often find plans to fit. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude cosmetic issues or appliance components, routine maintenance, defects, or theft. Each provider outlines exclusions and limitations within its service contract. Make sure you read it and understand your plan's exact terms and conditions.
Provider reputation is another important factor to consider. You can browse customer reviews on sites such as Best Company, Google Reviews, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can provide insight into how a company handles claims and customer service. Check with the Tennessee Division of Consumer Affairs to verify that a provider holds a license with the state.
Consider a home warranty company's service provider network. Providers 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 the names of familiar service contractors. Homeowners in rural areas may consider choosing a home warranty that lets them select their technicians. It's important to have the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in Cookeville
Do I need a home warranty in Cookeville?
What are preexisting conditions?
What is the best home warranty provider in Cookeville?
Do home warranties cover 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?
How do I file a claim with my home warranty provider?
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