Are Home Warranties Worth It for Tacoma Residents?
Yes, home warranties are worth it for Tacoma residents. Summers in Tacoma are fairly mild, but it's still important to have a reliable air conditioner. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Tacoma 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. Home warranties, on the other hand, come in at only $644–$737 a year, based on 120 quotes we requested from home warranty companies across the nation.
Tacoma's heavy rain can also affect your roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Finally, home warranties connect you with reliable technicians.
When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when picking the best home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost approximately $53–$62 per month. There are also service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know your specific needs before purchasing a plan.
Coverage
Determine the systems and appliances you use the most. Most home warranty providers offer custom coverage tailored to your needs. If you only need coverage for select systems, such as your heating, most companies offer systems-only plans. The same is true if you only want 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
Usually, home warranties only cover breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, defects, theft, or routine maintenance aren't covered either. Providers outline exclusions and limitations in their service contracts. Make sure you read yours carefully 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 Trustpilot, Best Company, and Google Reviews 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
Take into account a home warranty company's service provider network. The provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company where and how it sources technicians. We recommend picking a provider that mentions service contractors you're familiar with. Rural homeowners might consider choosing a home warranty that lets them choose their technicians. You'll want the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in Tacoma
Is a home warranty required in Tacoma?
What are preexisting conditions?
What is the best home warranty provider in Tacoma?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How is a home warranty different from homeowners insurance?
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