Are Home Warranties Worth It for Bellingham Residents?
Home warranties are worth it for Bellingham residents. Summers in Bellingham are fairly mild, but it's still important that your air conditioner is working well. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Bellingham 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. A home warranty plan is comparatively cheaper, only $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
The frequent rain in Bellingham can damage your roof. The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Lastly, home warranties connect you with reliable service providers.
Reputable home warranty companies vet every service provider they use. If you're busy with work or other priorities, investing in a home warranty ensures you have access to trustworthy technicians.
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 requested 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. There are also service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. Comprehensive home warranty plans generally cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as add-on coverage options will increase your monthly price.
Coverage
You can look for a home warranty plan that covers specific systems and appliances. Determine whether you want coverage for major systems (like heating), specific appliances, or for 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
Most home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. In addition, home warranties don't cover appliance components or cosmetic issues, defects, routine maintenance, or theft. Providers outline exclusions and limitations with their service contracts. Make sure you read it and understand your protection plan's exact terms and conditions.
Provider Reputation
Also, consider provider reputation when making a decision. You can read customer reviews on sites like Best Company, Google Reviews, and Trustpilot or look at a company's rating with the Better Business Bureau (BBB). Ratings and reviews are a great way to assess how providers handle claims and customer service. Check with the Washington Consumer Protection Division to verify that a provider holds a valid state license.
Contractor Network
Take into account a home warranty company's service provider network. Make sure you ask your provider how and where it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. If you can, use a provider that mentions the names of familiar service contractors. Homeowners in rural areas may prefer home warranty policies with the option to choose their technicians. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Bellingham
Is a home warranty required in Bellingham?
What are preexisting conditions?
What is the best home warranty provider in Bellingham?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How long does a home warranty typically last?
How do I file a claim with my home warranty provider?
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