Are Home Warranties Worth It for Oshkosh Residents?
Home warranties are worth it for Oshkosh residents. Oshkosh generally has mild temperatures, but you may still use your air conditioner frequently during the warmer months. Your air conditioner may malfunction over time due to breakdowns from regular wear and tear.
Winters in Oshkosh can be freezing, which means you rely heavily on your heating system. Replacing your HVAC system 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 nationwide. The regular rain in Oshkosh can damage your roof.
The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. 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.
When life keeps you busy, your home warranty company can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you select the right home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost roughly $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 warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before committing to a plan.
Coverage
Many home warranty companies offer systems-only plans or plans for select appliances. Determine which appliances and systems you use most often before committing to a plan. If you only need coverage for certain major systems (such as heating) or certain appliances, you can find a plan that meets your needs. 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 don't cover improper installation or preexisting conditions. Most policies will only cover breakdowns from normal wear and tear. Most also exclude cosmetic issues or appliance components, routine maintenance, defects, or theft. Your provider will outline its limitations and exclusions in your service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.
Provider Reputation
Also, consider a provider's reputation when making a decision. You can read customer reviews on sites such as Trustpilot, Best Company, and Google Reviews or look at a company's Better Business Bureau (BBB) rating. Ratings and reviews are a great way to assess how providers handle claims and customer service. Check with the Wisconsin Department of Agriculture, Trade, and Consumer Protection to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Be sure to ask your provider how and where it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. Select a provider that mentions the names of familiar service contractors. Rural homeowners should consider choosing a home warranty that lets them select 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 Oshkosh
Is a home warranty required in Oshkosh?
What are preexisting conditions?
What is Oshkosh's best home warranty provider?
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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