Are Home Warranties Worth It for McLean Residents?
Home warranties are worth it for McLean residents. McLean can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioning system may malfunction over time from heavy use.
McLean winters can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $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.
McLean's regular rain showers can also affect your roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Finally, a home warranty connects you with service providers you can trust.
A reputable home warranty is a good investment because companies vet their technicians. When life keeps you busy, your home warranty company can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Think about the following factors to determine the right home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost approximately $53–$62 per month. There are also service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as getting add-on coverage options will increase your monthly price.
Coverage
Most home warranty companies can tailor a plan to your needs. Think about which appliances and systems you use often and need covered. If you only need coverage for select systems or appliances (such as your air conditioning), you can often find plans to fit. 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. They don't cover improper installation or preexisting conditions. Additionally, home warranties don't cover cosmetic issues or appliance components, theft, defects, or routine maintenance. Providers outline their limitations and exclusions in their service contracts. Thoroughly read your contract to ensure you understand your plan's terms and conditions.
Provider Reputation
Also, consider a provider's reputation. You can also browse real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. Reviews and ratings can show how a company handles customer service and claims. Check with the Virginia Attorney General to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Your company should always send licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. Select a provider that mentions service contractors you're familiar with. Rural homeowners might consider choosing a home warranty that lets them pick their technicians. It's important to have the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in McLean
Is a home warranty required in McLean?
What are preexisting conditions?
What is the best home warranty provider in McLean?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty 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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