Are Home Warranties Worth It for Spanaway Residents?
Home warranties are worth it for Spanaway residents. Spanaway generally has mild temperatures, but you may still use your air conditioner frequently during warmer months. Your air conditioning system can malfunction over time due to breakdowns from regular wear and tear.
Spanaway 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 per year, based on 120 quotes we requested from home warranty companies nationwide.
The frequent rain in Spanaway can damage your roof. The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Finally, home warranties connect you with trustworthy service providers.
When life is keeping you busy, you want to know that a reliable technician is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when choosing the best home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before choosing a plan.
Coverage
Figure out which appliances and systems you use the most. You'll want a home warranty plan that covers these items. Most home warranties can be customized to your needs, and many providers offer systems-only plans for homeowners that only need select coverage (such as for heating). You can also get a plan that only covers select appliances. 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
Home warranties typically only cover damage from normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover cosmetic issues or appliance components, theft, defects, or routine maintenance. A provider will outline its limitations and exclusions in its service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.
Provider Reputation
Provider reputation is another key factor to consider. You can browse real customer reviews on sites like Best Company, Google Reviews, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Reviews and ratings 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 valid state license.
Contractor Network
Consider a home warranty company's network of service providers. Make sure to ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. We recommend picking a provider that mentions the names of familiar contractors. Homeowners in rural areas might consider home warranties that allow the customer to choose their technician. You may need to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Spanaway
Do I need a home warranty in Spanaway?
What are preexisting conditions?
What is the best home warranty provider in Spanaway?
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?
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