Are Home Warranties Worth It for Taylorsville Residents?
Home warranties are worth it for Taylorsville residents. Taylorsville can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioner may malfunction over time due to breakdowns from regular wear and tear.
Winters in Taylorsville are very cold, meaning you rely on your heating system often. 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 received from home warranty companies nationwide. Even Taylorsville's irregular rain can affect your roof.
Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Lastly, your home warranty will connect you with trustworthy service providers. A reputable home warranty is a good investment because companies vet their technicians.
If you're focused on work or other priorities, your home warranty company can ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when selecting your home warranty plan.
Cost
We requested 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. Basic home warranty plans are generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know your specific needs before purchasing a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Think about which systems and appliances you use often and would like coverage for. If you only want coverage for select appliances or systems (such as your heating), you can often find plans to fit. 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
Home warranties generally only cover damage from normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover cosmetic issues or appliance components, theft, defects, or routine maintenance. Providers outline limitations and exclusions with their service contracts. We recommend reading it to understand your protection plan's specific terms and conditions.
Provider Reputation
Also, consider provider reputation. You can also browse customer reviews on sites like Trustpilot, Best Company, and Google Reviews. Ratings and reviews can show how providers handle claims and customer service. Check with the Utah Division of Consumer Protection to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Companies should always use licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. If you can, use a provider that mentions service contractors you're familiar with. Those who live in rural areas should consider a home warranty policy that lets them choose their technician. You may not have any in-network service providers in your area, so you want the option to source your own.
Frequently Asked Questions About Home Warranty in Taylorsville
Do I need a home warranty in Taylorsville?
What are preexisting conditions?
What is Taylorsville's best home warranty provider?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How long does a home warranty typically last?
How can I maximize the value of my home warranty?
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