Are Home Warranties Worth It for Danville Residents?
Yes, home warranties are worth it for Danville residents. Danville experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioner may malfunction over time from heavy use.
Danville has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of replacing your HVAC system can range between $2,500 and $8,000. A home warranty plan is comparatively cheaper, only $644–$737 annually, based on 120 quotes we requested from home warranty companies nationwide.
The regular rain in Danville can damage your roof. Some home warranty companies offer limited roof-leak coverage, which can mitigate the cost of roof 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
Think about these important factors when choosing your home warranty plan.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost roughly $53–$62 per month. You'll also pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. A basic home warranty is more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance 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
Determine which appliances and systems you use the most. Most home warranty plans offer customizable coverage tailored to your needs. If you only need coverage for certain systems, like your air conditioner, most companies offer systems-only plans. The same is true if you only want coverage for select appliances. 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 cover only normal wear and tear, which excludes improper installation and preexisting conditions. Most policies also exclude cosmetic issues or appliance components, defects, theft, or routine maintenance. Each provider outlines exclusions and limitations within its service contract. Make sure you read it and understand your plan's specific terms and conditions.
Provider Reputation
You should also consider a provider's reputation. You can also find customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Reviews and ratings can show how a company handles customer service and claims. Check with the Virginia Attorney General to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's network of service providers. Your company 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 the names of familiar service contractors. Homeowners in rural areas may consider home warranties that allow the customer to choose their technician. You may need to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Danville
Do I need a home warranty in Danville?
What are preexisting conditions?
What is the best home warranty provider in Danville?
Can I get a home warranty that covers 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?
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