Are Home Warranties Worth It for Sammamish Residents?
Yes, home warranties are worth it for Sammamish residents. Summers in Sammamish are fairly mild, but it's still important that your air conditioner is working well. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Sammamish also has cold winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range anywhere from $2,500–$8,000. Home warranties are comparatively cheaper at only $644–$737 a year, based on 120 quotes we requested from home warranty companies across the nation.
The frequent rain in Sammamish can damage your roof. The cost of repairs will be lower if your home warranty has roof-leak coverage. Finally, home warranties connect you with trusted service providers.
Reputable home warranty companies vet all their service providers. If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you choose the best 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 roughly $53–$62 per month. You'll also pay service call fees each time you file a claim. Service call fees range from $65–$125 per claim. A basic home warranty is more affordable than a comprehensive one. Appliance plans are typically less costly than home systems coverage plans. Most plans offer add-on coverage options for an additional monthly cost. Consider your specific needs before committing to a plan.
Coverage
You can often find home warranty plans that cover specific systems and appliances. Determine whether you want coverage for major systems (such as heating), specific appliances, or 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 preexisting conditions or improper installation. In addition, home warranties don't cover appliance components or cosmetic issues, theft, routine maintenance, or defects. Providers will outline limitations and exclusions in their service contracts. Thoroughly read your contract to make sure you understand the terms and conditions of your plan.
Provider Reputation
Also, consider provider reputation when making a decision. You can read customer reviews on sites such as Google Reviews, Trustpilot, and Best Company 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 customer service and claims. Check with the Washington Consumer Protection Division to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Reliable home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. Choose a provider that mentions the names of familiar service contractors. Homeowners in rural areas may prefer home warranty policies that allow you to choose your technician. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Sammamish
Is a home warranty required in Sammamish?
What are preexisting conditions?
What is the best home warranty provider in Sammamish?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How can I maximize the value of my home warranty?
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