Are Home Warranties Worth It for Layton Residents?
Home warranties are worth it for Layton residents. Summers in Layton can get hot, which makes it important to have a reliable air conditioner. However, over time this system can malfunction from heavy use.
Winters in Layton can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.
Even Layton's irregular rain can affect your roof. Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair. Finally, home warranties connect you with reliable technicians.
When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when picking your home warranty plan.
Cost
We pulled 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 also have to pay service call fees whenever 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. Consider your specific needs before choosing a plan, as getting add-on coverage options will increase your monthly price.
Coverage
You can often find home warranty plans that cover specific appliances and systems. Determine whether you want coverage for major systems (such as air conditioning), specific appliances, or for both. Then ask your provider what its options are for customized coverage. 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
Most home warranties only cover normal wear and tear, which excludes improper installation and preexisting conditions. Additionally, most policies will exclude cosmetic issues or appliance components, defects, theft, or routine maintenance. You can read about your provider's limitations and exclusions within your service contract. Be sure to read the contract carefully to 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 Google Reviews, Best Company, and Trustpilot. Looking at reviews can show you how companies handle customer service and claims. Check with the Utah Division of Consumer Protection to verify that a provider holds a valid state license.
Contractor Network
Take into account a home warranty company's network of service providers. Any provider you choose should use licensed and registered contractors to handle service requests; make sure to ask your company where and how it sources technicians. Choose a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider going with a home warranty provider that customers choose their technician. There may be no in-network service providers available in these areas, and customers might need to source their own.
Frequently Asked Questions About Home Warranty in Layton
Is a home warranty required in Layton?
What are preexisting conditions?
What is Layton'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 is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
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