Are Home Warranties Worth It for Logan Residents?
Home warranties are worth it for Logan residents. Logan generally has mild temperatures, but you may still use your air conditioner frequently during the warmer months. Your air conditioner may malfunction over time due to breakdowns from regular wear and tear.
Logan winters can be freezing, which means you rely heavily on your heating system. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. Even the infrequent rain in Logan can damage your home's roof.
The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Lastly, 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 all their service providers.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when selecting your home warranty plan.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost an average of $53–$62 monthly. You'll also pay a service call fee every time you file a claim. These fees can 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 select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before selecting a plan.
Coverage
Figure out which systems and appliances you use most often. You'll want a home warranty plan that covers these items. Most home warranties can be tailored to your needs, and many providers offer systems-only plans for those who only need select coverage (such as for heating). You can also find plans that cover only select appliances. 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
Most home warranties only cover normal wear and tear, which excludes improper installation and preexisting conditions. Additionally, most policies will exclude appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers outline limitations and exclusions in their service contracts. We recommend reading carefully to fully understand the terms and conditions of your plan.
Provider Reputation
Carefully consider a provider's reputation before purchasing a plan. Check its Better Business Bureau rating. Also read customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. These reviews can give you an idea of how companies handle customer service and claims. Check with the Utah Division of Consumer Protection to verify a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. The 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 the names of familiar service contractors. Homeowners in rural areas may prefer home warranty policies with the option to choose their technicians. In-network service providers may be unavailable in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Logan
Is a home warranty required in Logan?
What are preexisting conditions?
What is Logan's best home warranty provider?
Can I get a home warranty that covers 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?
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