Are Home Warranties Worth It for Bellevue Residents?
Yes, home warranties are worth it for Bellevue residents. Bellevue generally has mild temperatures, but you may still use your air conditioner frequently during warmer months. Your air conditioning system may malfunction over time due to breakdowns from regular wear and tear.
Bellevue also has cold 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. A home warranty plan is comparatively cheaper, only $644–$737 a year, based on 120 quotes we received from home warranty companies across the nation.
The frequent rain in Bellevue can damage your home's roof. The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Finally, a home warranty connects you with trustworthy service providers.
A reputable home warranty is a good investment because companies vet their technicians. When life keeps you busy, your home warranty provider can give you peace of mind that someone reliable will handle your problem.
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 approximately $53–$62 a month. You'll also pay a service call fee each 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. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before selecting a plan.
Coverage
You can often find home warranty plans that cover specific systems and appliances. Decide whether you need coverage for major systems (like heating), specific appliances, or both. Then ask your provider about its options for customized coverage. 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 breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. Additionally, home warranties don't cover appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers outline limitations and exclusions within their service contracts. We recommend reading carefully to fully understand the terms and conditions of your plan.
Provider Reputation
Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. Customer reviews can show you how companies handle claims and customer service. Check with the Washington Consumer Protection Division to verify a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Your provider should always use licensed and registered contractors to fulfill 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. Homeowners in rural areas may consider choosing a home warranty that lets them pick their technicians. You'll want the option to source your own providers if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Bellevue
Is a home warranty required in Bellevue?
What are preexisting conditions?
What is the best home warranty provider in Bellevue?
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 is a home warranty different from homeowners insurance?
How can I maximize the value of my home warranty?
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