Are Home Warranties Worth It for Eau Claire Residents?
Yes, home warranties are worth it for Eau Claire residents. Eau Claire summers are fairly mild, but it's still important for your air conditioner to work properly. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Winters in Eau Claire can be freezing, which means you rely heavily on your heating system. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies across the nation. Eau Claire's regular rain showers can also affect your home's roof.
Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Finally, a home warranty connects 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 provider can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when selecting the right home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of roughly $65–$125 every time you file a 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 what you need before selecting 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 tailored to your needs, and many providers offer systems-only plans for those who only need select coverage (such as for heating). You can also get a plan that only covers 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 only cover normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers will outline limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand your plan's terms and conditions.
Provider Reputation
Also, consider provider reputation when choosing a plan. You can find customer reviews on sites like Trustpilot, Best Company, and Google Reviews or look at a company's rating with the Better Business Bureau (BBB). Reviews and ratings are a great way to see how providers handle claims and customer service. Check with the Wisconsin Department of Agriculture, Trade, and Consumer Protection to verify a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Companies should always use licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. Select a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider a home warranty policy that lets them choose their technician. In-network service providers may not be available in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in Eau Claire
Do I need a home warranty in Eau Claire?
What are preexisting conditions?
What is the best home warranty provider in Eau Claire?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How do I file a claim with my home warranty provider?
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