Are Home Warranties Worth It for Cheyenne Residents?
Yes, home warranties are worth it for Cheyenne residents. Cheyenne summers can have some very hot days, which means it's important that your air conditioner is working well. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Cheyenne winters are very cold, meaning you rely on your heating system often. Replacing your HVAC system can cost between $2,500 and $8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. Even Cheyenne's irregular rain can affect your roof.
Some home warranty providers offer limited roof-leak coverage to financially assist with 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 all their service providers.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when determining the right 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 approximately $53–$62 a month. Additionally, you'll pay a service call fee 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 select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before selecting a plan.
Coverage
Many home warranty providers offer plans for select appliances or systems. Figure out which systems and appliances you use most often before choosing a plan. If you only need to cover certain major systems (such as heating) or certain appliances, you can find a plan that meets your needs. 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
Most home warranties only cover normal wear and tear, which excludes improper installation and preexisting conditions. Additionally, most policies will exclude appliance components or cosmetic issues, theft, defects, or routine maintenance. Each provider will outline its exclusions and limitations in your service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.
Provider Reputation
Carefully consider a provider's reputation before choosing a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Best Company, Google Reviews, and Trustpilot. These reviews can give you an idea of how companies handle claims and customer service. Check with the Wyoming Consumer Protection and Antitrust Unit to verify that a provider holds a license with the state.
Contractor Network
Take into account a home warranty company's network of service providers. Make sure you ask your company where and how it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. Select a provider that mentions service contractors you're familiar with. Rural homeowners may prefer home warranty policies with the option to choose their technicians. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Cheyenne
Do I need a home warranty in Cheyenne?
What are preexisting conditions?
What is Cheyenne'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 can I maximize the value of my home warranty?
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