Are Home Warranties Worth It for Saratoga Springs Residents?
Home warranties are worth it for Saratoga Springs residents. Saratoga Springs summers can get hot, which makes it important for your air conditioner to work properly. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Saratoga Springs also has freezing winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range between $2,500 and $8,000. Home warranties, on the other hand, come in at only $644–$737 a year, based on 120 quotes we requested from home warranty companies across the nation.
Even Saratoga Springs' irregular rain can affect your roof. Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair. Finally, your home warranty will connect you with service providers you can trust.
A reputable home warranty is a good investment because companies vet their technicians. If you don't have time to do the research yourself, your home warranty provider can ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when picking the best home warranty plan for you.
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. Additionally, you'll pay a service call fee each time you file a claim. These fees can range from $65–$125 per claim. A basic home warranty is more affordable than a comprehensive one. Appliance plans are typically less expensive than home systems coverage plans. Most plans give you the option of getting add-on coverage options for an additional monthly fee. Consider your specific needs before committing to a plan.
Coverage
You can often find home warranty plans that cover specific appliances and systems. Decide whether you want coverage for major systems (like heating), specific appliances, or both. Then ask your provider about its options 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
Generally, home warranties only cover normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, routine maintenance, defects, or theft are also not covered. Providers outline their exclusions and limitations in their service contracts. Read your contract thoroughly to make sure you understand the terms and conditions of your plan.
Provider Reputation
Also, consider provider reputation. You can also read real customer reviews on sites like Trustpilot, Best Company, and Google Reviews. Ratings and reviews can show how a company handles claims and customer service. Check with the Utah Division of Consumer Protection to verify that a provider holds a license with the state.
Contractor Network
Take into account a home warranty company's network of service providers. Providers should always use licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. If you can, use a provider that mentions service contractors you're familiar with. 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 Saratoga Springs
Is a home warranty required in Saratoga Springs?
What are preexisting conditions?
What is Saratoga Springs' 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 do I file a claim with my home warranty provider?
How can I maximize the value of my home warranty?
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