Are Home Warranties Worth It for Racine Residents?
Yes, home warranties are worth it for Racine residents. Summers in Racine are fairly mild, but it's still important for your air conditioner to work properly. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Racine also has cold winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range anywhere from $2,500–$8,000. A home warranty plan is comparatively cheaper, only $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
The regular rain in Racine can damage your home's roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Lastly, 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 all their service providers.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when picking the right 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 an average of $53–$62 per month. There are also service call fees each time you file a claim. Service call fees range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before choosing a plan.
Coverage
You can often find home warranty plans that cover specific systems and appliances. Determine whether you need coverage for major systems (such as heating), specific appliances, or for both. Then ask your provider about its options for customized coverage. 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
Home warranties usually only cover breakdowns from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies will also not cover cosmetic issues or appliance components, theft, routine maintenance, or defects. Providers will outline limitations and exclusions in their service contracts. Thoroughly read your contract to ensure you understand your plan's terms and conditions.
Provider Reputation
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. Customer reviews can give you a sense of how companies handle customer service and claims. Check with the Wisconsin Department of Agriculture, Trade, and Consumer Protection to verify that a provider holds a valid state license.
Contractor Network
Take into account a home warranty company's network of service providers. Companies should always send licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. Select a provider that mentions the names of familiar service contractors. Homeowners in rural areas 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 Racine
Is a home warranty required in Racine?
What are preexisting conditions?
What is Racine's best home warranty provider?
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 long does a home warranty typically last?
How can I maximize the value of my home warranty?
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