Are Home Warranties Worth It for Pasco Residents?
Yes, home warranties are worth it for Pasco residents. Pasco can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioner may malfunction over time from heavy use.
Pasco has relatively mild winters, but there are still days you'll need your heating. The cost of an HVAC system replacement 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 requested from home warranty companies across the nation.
Even Pasco's irregular rain can affect your home's roof. Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Finally, home warranties connect you with reliable service providers.
Reputable home warranty companies vet every service provider they use. If life keeps you busy, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when choosing 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 an average of $53–$62 per month. You'll also pay a service call fee each time you file a claim. Service call fees can range from $65–$125 per claim. A basic home warranty will be more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. With most plans, you can get add-on coverage options for an additional monthly cost. Consider your specific needs before committing to a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Make a list of the appliances and systems that you use often and want coverage for. If you only want coverage for select appliances or systems (such as your air conditioning), 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
Most home warranties only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. Additionally, home warranties don't cover appliance components or cosmetic issues, defects, routine maintenance, or theft. Providers outline exclusions and limitations in their service contracts. Make sure you read yours carefully to fully understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another key factor to consider. You can find real customer reviews on sites like Best Company, Trustpilot, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can give you insight into how a company handles customer service and claims. Check with the Washington Consumer Protection Division to verify that a provider holds a license with the state.
Contractor Network
Consider a home warranty company's service provider network. Be sure to ask your provider how and where it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. If you can, use a provider that mentions the names of familiar service contractors. Rural homeowners may prefer home warranty policies with the option to choose their technicians. In-network service providers may be unavailable in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Pasco
Do I need a home warranty in Pasco?
What are preexisting conditions?
What is the best home warranty provider in Pasco?
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?
To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.