Are Home Warranties Worth It for Sun Prairie Residents?
Home warranties are worth it for Sun Prairie residents. Summers in Sun Prairie are fairly mild, but it's still important that your air conditioner is working well. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Winters in Sun Prairie are freezing, which makes having reliable heating extremely important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
Sun Prairie's regular rain showers can also affect your roof. Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair. 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 every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when choosing the best home warranty plan for you.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost an average of $53–$62 per month. Additionally, you'll pay a service call fee each time you file a claim. Service call fees can range from $65–$125 per claim. Basic home warranty plans are generally more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. You can often get add-on coverage for an additional monthly cost. Be sure you know 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 (like heating), specific appliances, or for both. Then ask your provider what its options are for customized coverage. 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
Usually, home warranties don't cover preexisting conditions or improper installation. Most policies will only cover damage from normal wear and tear. Most also exclude appliance components or cosmetic issues, theft, defects, or routine maintenance. Each provider will outline its exclusions and limitations in its service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.
Provider Reputation
Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. These reviews can give you a sense of 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
Take into account a home warranty company's network of service providers. Trustworthy home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. Select a provider that mentions service contractors you're familiar with. Homeowners in rural areas might consider home warranties that allow the customer to choose their technician. You'll want to be able to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Sun Prairie
Do I need a home warranty in Sun Prairie?
What are preexisting conditions?
What is the best home warranty provider in Sun Prairie?
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?
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