Are Home Warranties Worth It for Seattle Residents?
Yes, home warranties are worth it for Seattle residents. Summers in Seattle 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.
Seattle 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 per year, based on 120 quotes we requested from home warranty companies nationwide.
Seattle's heavy rain can also affect your home's roof. Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Finally, your home warranty will connect you with service providers you can trust.
Investing in a reputable home warranty company is worth it because companies vet their technicians. If you're focused on work or other priorities, your home warranty company can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you 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. You'll also pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are typically more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know your specific needs before choosing a plan.
Coverage
Figure out which systems and appliances you use most frequently. Most home warranties offer custom coverage tailored to your needs. If you only want coverage for certain systems, like your heating, most companies offer systems-only plans. The same is true if you only need coverage for select appliances. 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 cover only normal wear and tear, which excludes improper installation and preexisting conditions. Most policies also exclude appliance components or cosmetic issues, theft, routine maintenance, or defects. Each provider will outline its exclusions and limitations in your service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.
Provider Reputation
Also, consider provider reputation when choosing a plan. You can read customer reviews on sites like Best Company, Google Reviews, and Trustpilot or look at a company's Better Business Bureau (BBB) rating. Ratings and reviews are a great way to see how providers handle claims and customer service. 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 network of service providers. Make sure you ask your company how and where it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. If you can, use a provider that mentions the names of familiar service contractors. Rural homeowners might 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 Seattle
Is a home warranty required in Seattle?
What are preexisting conditions?
What is Seattle's best home warranty provider?
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?
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