*The Angi rating for Nest Installation companies in North Bend, WA is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Nest Installation needs.
*The HomeAdvisor rating for Nest Installation companies in North Bend, WA is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Nest Installation needs.
Last update on April 24, 2025
As a provider of essential services here in the Puget Sound Region, Seatown Electric Plumbing Heating & Air remains open to serve you. To ensure the safety of our customers our technicians' health is monitored closely and we are following the highest safety recommendations, including the use of masks and protective gloves. The health and wellness of our customers and employees will always come first. We are here for you! Seatown provides Electrical, Plumbing, Heating, and A/C services in the Greater Puget Sound region, concentrating in King and Snohomish county. With our customer satisfaction guarantee, you can rest assured that your system will outlast industry standards, providing safety, and comfort for your home, for many years to come. You will never have to search for a new electrical, plumbing or heating and air contractor again. That is our promise. Seatown continues to lead Angie's List, with overall "A" reviews, by serving one customer at a time and giving top-notch service. We hope to build long-lasting customer relationships, throughout Washington State. Our world-class technicians will show up to your door in clean uniforms, with visible ID and state certification, trained to over-exceed your expectations, and never leaving a mess behind. We are Seatown Electric Plumbing Heating And Air, Washington's all in one contractor.
"Great! We got 3 bids on installing an outdoor outlet, all were reasonable but the professionalism and warranty offered by them was awesome."
Shaun B on April 2025
As a provider of essential services here in the Puget Sound Region, Seatown Electric Plumbing Heating & Air remains open to serve you. To ensure the safety of our customers our technicians' health is monitored closely and we are following the highest safety recommendations, including the use of masks and protective gloves. The health and wellness of our customers and employees will always come first. We are here for you! Seatown provides Electrical, Plumbing, Heating, and A/C services in the Greater Puget Sound region, concentrating in King and Snohomish county. With our customer satisfaction guarantee, you can rest assured that your system will outlast industry standards, providing safety, and comfort for your home, for many years to come. You will never have to search for a new electrical, plumbing or heating and air contractor again. That is our promise. Seatown continues to lead Angie's List, with overall "A" reviews, by serving one customer at a time and giving top-notch service. We hope to build long-lasting customer relationships, throughout Washington State. Our world-class technicians will show up to your door in clean uniforms, with visible ID and state certification, trained to over-exceed your expectations, and never leaving a mess behind. We are Seatown Electric Plumbing Heating And Air, Washington's all in one contractor.
"Great! We got 3 bids on installing an outdoor outlet, all were reasonable but the professionalism and warranty offered by them was awesome."
Shaun B on April 2025
ADT home security systems are backed by more than 145 years of experience. As the leader in home security, ADT can help you customize a home security system with easy-to-use equipment and special security features to meet your safety needs. We have service centers nationwide that can install an ADT home security system within 24 hours in most areas. Once your home is equipped with our top-of-the-line system, it is connected to a network of ADT Monitoring Centers nationwide which deliver non-stop security monitoring 365 days a year. All of our installation technicians are internal employees, and not third-party contractors. You can count on your Security Advisor to take the time to set up your system properly, help you understand how the system works, and help make sure your home and family are thoroughly protected.
"Great service by ADT! Integrated with Google. Officially have a smart home!"
Natalie N on April 2025
ADT home security systems are backed by more than 145 years of experience. As the leader in home security, ADT can help you customize a home security system with easy-to-use equipment and special security features to meet your safety needs. We have service centers nationwide that can install an ADT home security system within 24 hours in most areas. Once your home is equipped with our top-of-the-line system, it is connected to a network of ADT Monitoring Centers nationwide which deliver non-stop security monitoring 365 days a year. All of our installation technicians are internal employees, and not third-party contractors. You can count on your Security Advisor to take the time to set up your system properly, help you understand how the system works, and help make sure your home and family are thoroughly protected.
"Great service by ADT! Integrated with Google. Officially have a smart home!"
Natalie N on April 2025
Eagle Electric of Auburn is a small family owned business with the goal to provided excellent service at a great price.
Eagle Electric of Auburn is a small family owned business with the goal to provided excellent service at a great price.
We at Allred Heating, Cooling and Electrical hope to become your trusted friends and partners in keeping your homes safe, comfortable, and a pleasant environment for you and your families. How Allred Got Started Our company was founded by Dan and Matt who discovered they had complimentary areas of expertise. Matt began as an electrician about a decade ago and besides doing electrical work began working with HVAC as well. Dan had been doing contractor work in Alaska and when they met they realized they were a perfect match to begin a business, hence Allred Heating, and Cooling and Electrical. Between the two of them all of the right bases were covered to offer complete electrical and HVAC systems, both installation and repair. Allred Heating Family Hopes to Help Your Family We are a family owned company and we know how important it is to keep our homes working economically and safely. We hold ourselves and our work to the highest standards and that is why we offer a one year parts and labor guarantee. We are bonded, licensed and insured to and we’d like to show you why you can have the utmost confidence in us. We will give you upfront estimates so you’ll know what your bottom line will be.
"I recommended AllRed to my mother, they told her that they would give her a 10% discount on the phone when she called. They only gave her a 5% discount, they also didn't provide any information about the system? No information was provided also about health of system or checkpoint system used; (PSI of freon, lubrication, filters, drain lines, etc) When I called up Allred and asked for them to provide the 10% discount like they promised they said they would, and she would see it on her Credit Card. A couple of weeks went by and nothing. I called again, they apologized and said they would follow up ensure that the service team sent the information to us and provided the discount and called me back directly. After another week, NOTHING! While the work was completed successfully. The communication and follow up of this company are terrible to say the least. I wouldn't recommend Allred to anyone, or trust them at all :-("
Justin H on December 2024
We at Allred Heating, Cooling and Electrical hope to become your trusted friends and partners in keeping your homes safe, comfortable, and a pleasant environment for you and your families. How Allred Got Started Our company was founded by Dan and Matt who discovered they had complimentary areas of expertise. Matt began as an electrician about a decade ago and besides doing electrical work began working with HVAC as well. Dan had been doing contractor work in Alaska and when they met they realized they were a perfect match to begin a business, hence Allred Heating, and Cooling and Electrical. Between the two of them all of the right bases were covered to offer complete electrical and HVAC systems, both installation and repair. Allred Heating Family Hopes to Help Your Family We are a family owned company and we know how important it is to keep our homes working economically and safely. We hold ourselves and our work to the highest standards and that is why we offer a one year parts and labor guarantee. We are bonded, licensed and insured to and we’d like to show you why you can have the utmost confidence in us. We will give you upfront estimates so you’ll know what your bottom line will be.
"I recommended AllRed to my mother, they told her that they would give her a 10% discount on the phone when she called. They only gave her a 5% discount, they also didn't provide any information about the system? No information was provided also about health of system or checkpoint system used; (PSI of freon, lubrication, filters, drain lines, etc) When I called up Allred and asked for them to provide the 10% discount like they promised they said they would, and she would see it on her Credit Card. A couple of weeks went by and nothing. I called again, they apologized and said they would follow up ensure that the service team sent the information to us and provided the discount and called me back directly. After another week, NOTHING! While the work was completed successfully. The communication and follow up of this company are terrible to say the least. I wouldn't recommend Allred to anyone, or trust them at all :-("
Justin H on December 2024
We are a woman and family owned company based out of Castle Rock, WA. My husband and I are both electricians with a combined 15 years experience. We strive to provide quality workmanship and excellent customer service to ensure you and your home are well taken care of. We look forward to working with you on your next project!
"This was a new $800,000.00 home We still don't have the house signed off from Cowlitz county planning because of Fusion Electrical Services LLC have not completed it BUT WERE PAID IN FULL OVER A YEAR AGO.My mini split has not been completed in 13 months, my breaker panel hasn't been put back together in a year, I paid parker and alissa in full.The owner Alissa tried to put a protective order against me back in August because I sent her text message asking when will they complete my job. I sent her a correction notice from Cowlitz county planning showing her all the correction needed. The Judge said me texting to get my job done was NOT harrassment. Since then I found out from Feltons HVAC good guys, that the electrical wires that Fusion spliced Diakin says no you can't, that is why my mini split won't work. They cut my new cooling lines I supplied in the kit, they said they had to because the lines were to short. That is not true it's because Parker had no clue what he was doing and didn't install the inside unit first then measure the lines and wires then set the height of the outside unit. We are forced to go back to court in a few months. They received 3 separate violation from WASHINGTON STATE LNI on my new home, now LNI just notified us about some other things. Parker and his company are not licensed to do HVAC work, he said he was licensed and bonded for HVAC he lied, FYI you cant file a lien on thier bond for HVAC even though they did the work and destroyed my install kit for my mini splite, I have a invoices from another company to fix the mess, replace the destroyed kit and complete the job on the mini split for over $5000.00 and for electrical over $5000.00 She won't resolve it I have tons of text messages asking her to just get it completed, she tells me she will jerry rigge it with no new parts, I paid for new I want the job done correctly . I hope this helps another consumer to be protected"
James R on December 2024
We are a woman and family owned company based out of Castle Rock, WA. My husband and I are both electricians with a combined 15 years experience. We strive to provide quality workmanship and excellent customer service to ensure you and your home are well taken care of. We look forward to working with you on your next project!
"This was a new $800,000.00 home We still don't have the house signed off from Cowlitz county planning because of Fusion Electrical Services LLC have not completed it BUT WERE PAID IN FULL OVER A YEAR AGO.My mini split has not been completed in 13 months, my breaker panel hasn't been put back together in a year, I paid parker and alissa in full.The owner Alissa tried to put a protective order against me back in August because I sent her text message asking when will they complete my job. I sent her a correction notice from Cowlitz county planning showing her all the correction needed. The Judge said me texting to get my job done was NOT harrassment. Since then I found out from Feltons HVAC good guys, that the electrical wires that Fusion spliced Diakin says no you can't, that is why my mini split won't work. They cut my new cooling lines I supplied in the kit, they said they had to because the lines were to short. That is not true it's because Parker had no clue what he was doing and didn't install the inside unit first then measure the lines and wires then set the height of the outside unit. We are forced to go back to court in a few months. They received 3 separate violation from WASHINGTON STATE LNI on my new home, now LNI just notified us about some other things. Parker and his company are not licensed to do HVAC work, he said he was licensed and bonded for HVAC he lied, FYI you cant file a lien on thier bond for HVAC even though they did the work and destroyed my install kit for my mini splite, I have a invoices from another company to fix the mess, replace the destroyed kit and complete the job on the mini split for over $5000.00 and for electrical over $5000.00 She won't resolve it I have tons of text messages asking her to just get it completed, she tells me she will jerry rigge it with no new parts, I paid for new I want the job done correctly . I hope this helps another consumer to be protected"
James R on December 2024
Greenwood Heating and Home Services is your one stop shop for all your mechanical needs, Heating, Air Conditioning, Electrical and Plumbing. We do it all! Repair, replace or maintain, all with our 100% Customer Satisfaction Guarantee. We have operated for over 100 years in the Greater Seattle area, and we locally owned and operated. Our team follows our Core Values of, Pride, Professionalism, Communication, Safety and Integrity. We focus on training our technicians to do things right the first time in our state of the art Training Center in Tukwila. When we complete the work in your home “You’ll Never Want to Leave the Comfort of Home!”
"We went with Greenwood because we heard that they would take care of us, even though they were more expensive. We had a great experience with the first walkthrough with a knowledgable expert, but every interaction since has been poor. We had several issues with the installation; they had to come back several times. Five years later, the water pump with the furnace broke and they take care of it, but it costs $900. They take care of us, but continue to be expensive. I highly recommend avoiding this company and finding a business that knows what their doing and where all technicians care about the customer."
George L on September 2024
Greenwood Heating and Home Services is your one stop shop for all your mechanical needs, Heating, Air Conditioning, Electrical and Plumbing. We do it all! Repair, replace or maintain, all with our 100% Customer Satisfaction Guarantee. We have operated for over 100 years in the Greater Seattle area, and we locally owned and operated. Our team follows our Core Values of, Pride, Professionalism, Communication, Safety and Integrity. We focus on training our technicians to do things right the first time in our state of the art Training Center in Tukwila. When we complete the work in your home “You’ll Never Want to Leave the Comfort of Home!”
"We went with Greenwood because we heard that they would take care of us, even though they were more expensive. We had a great experience with the first walkthrough with a knowledgable expert, but every interaction since has been poor. We had several issues with the installation; they had to come back several times. Five years later, the water pump with the furnace broke and they take care of it, but it costs $900. They take care of us, but continue to be expensive. I highly recommend avoiding this company and finding a business that knows what their doing and where all technicians care about the customer."
George L on September 2024
Thank you for considering Greener Cleaner Heating and Cooling, where excellence in heating and mechanical services meets personalized care. Founded by Zachary and Robert, our small, family-owned business brings over 20 years of combined experience to every job. Our journey began with a shared passion for providing reliable, top-quality HVAC solutions, and we’re thrilled to extend that expertise to you. At Greener Cleaner Heating and Cooling, we are dedicated to offering clean, green energy home solutions that not only enhance your comfort but also support a sustainable future. Whether you need a new heating system, emergency repairs, or routine maintenance, we approach each project with dedication and a keen attention to detail. Zachary and Robert’s hands-on experience ensures that every task is completed with precision and care, reflecting our commitment to quality and customer satisfaction.
"Great service! They were able to get my work done a few days after inquiring, the job went great, good price, great communication and I’ve already recommended this business to my neighbors."
Tom H on October 2024
Thank you for considering Greener Cleaner Heating and Cooling, where excellence in heating and mechanical services meets personalized care. Founded by Zachary and Robert, our small, family-owned business brings over 20 years of combined experience to every job. Our journey began with a shared passion for providing reliable, top-quality HVAC solutions, and we’re thrilled to extend that expertise to you. At Greener Cleaner Heating and Cooling, we are dedicated to offering clean, green energy home solutions that not only enhance your comfort but also support a sustainable future. Whether you need a new heating system, emergency repairs, or routine maintenance, we approach each project with dedication and a keen attention to detail. Zachary and Robert’s hands-on experience ensures that every task is completed with precision and care, reflecting our commitment to quality and customer satisfaction.
"Great service! They were able to get my work done a few days after inquiring, the job went great, good price, great communication and I’ve already recommended this business to my neighbors."
Tom H on October 2024
Thunderbird HVAC is a licensed and insured, family owned and operated HVAC company that provides installation and service for light commercial and residential heating and cooling systems. We pride ourselves on meeting the unique needs of each of our customers and providing exceptional customer service. Our team of experienced technicians is dedicated to ensuring that your HVAC system is running efficiently and effectively. Schedule your free estimate today. Ask about our services including dual fuel with google nest thermostat. Discounts include but not limited to (and you can combine!)Cash, Returning Customers, Referrals, Senior Citizen, and Veteran discounts!
"Thunderbird HVAC was very professional and knowledgeable. They handled everything from installing the heat pump and furnace to rewiring the electrical panel and tying into a new thermostat. They were on time and on budget. Definitely would use them again."
Paul F on October 2024
Thunderbird HVAC is a licensed and insured, family owned and operated HVAC company that provides installation and service for light commercial and residential heating and cooling systems. We pride ourselves on meeting the unique needs of each of our customers and providing exceptional customer service. Our team of experienced technicians is dedicated to ensuring that your HVAC system is running efficiently and effectively. Schedule your free estimate today. Ask about our services including dual fuel with google nest thermostat. Discounts include but not limited to (and you can combine!)Cash, Returning Customers, Referrals, Senior Citizen, and Veteran discounts!
"Thunderbird HVAC was very professional and knowledgeable. They handled everything from installing the heat pump and furnace to rewiring the electrical panel and tying into a new thermostat. They were on time and on budget. Definitely would use them again."
Paul F on October 2024
At Home Comfort Alliance, we specialize in high-quality HVAC, plumbing, and electrical services, helping homeowners across Seattle, Tacoma, Bellevue, Everett, and the entire Puget Sound region maintain safe, comfortable, and energy-efficient homes. With decades of experience and a customer-first approach, we’re committed to delivering 5-star service, premium products, and long-lasting home solutions tailored to your needs. Comprehensive Home Comfort Services: 🏠 Heating & Cooling Solutions – Furnace & AC repair, installation, tune-ups, heat pumps, ductless mini-splits, and air purification. 🚿 Plumbing Services – Water heater installation (tank & tankless), drain cleaning, leak detection, repiping, and fixture replacements. ⚡ Electrical Services – Panel upgrades, whole-home rewiring, generator installation, surge protection, and smart home automation. Why Homeowners Trust Home Comfort Alliance: ✔ Locally Owned & Operated – Serving the Pacific Northwest with integrity and expertise. ✔ Licensed & Certified Technicians – Skilled professionals delivering expert service. ✔ Upfront Pricing & Flexible Financing – No hidden fees, just honest solutions. ✔ Energy-Efficient, High-Performance Products – Lower utility bills with top-rated brands. ✔ 24/7 Emergency Service & Fast Response – Dependable repairs when you need them most. From quick repairs to full system installations, our team is here to ensure your HVAC, plumbing, and electrical systems are running smoothly year-round. Whether you need a furnace tune-up before winter, an AC installation for summer, or a new water heater for reliable hot water, we’ve got you covered! Carrier Factory Authorized Dealer
"I requested an HVAC service call quote from G&S Heating through Angi, and received a "deal" via Angi for $129. I chose them partly due to that price. G&S Heating ended up billing me $280, and said that was an old outdated deal and would not honor it. Irresponsible and incredibly poor customer relations. Also, the technician they sent did not seem very knowledgeable or experienced. He said the thermostat reading issue I was having would require another service call and the possible replacement of an expensive circuit board. I ended up fixing the problem myself. I will not be using G&S Heating again."
Keith M on November 2022
At Home Comfort Alliance, we specialize in high-quality HVAC, plumbing, and electrical services, helping homeowners across Seattle, Tacoma, Bellevue, Everett, and the entire Puget Sound region maintain safe, comfortable, and energy-efficient homes. With decades of experience and a customer-first approach, we’re committed to delivering 5-star service, premium products, and long-lasting home solutions tailored to your needs. Comprehensive Home Comfort Services: 🏠 Heating & Cooling Solutions – Furnace & AC repair, installation, tune-ups, heat pumps, ductless mini-splits, and air purification. 🚿 Plumbing Services – Water heater installation (tank & tankless), drain cleaning, leak detection, repiping, and fixture replacements. ⚡ Electrical Services – Panel upgrades, whole-home rewiring, generator installation, surge protection, and smart home automation. Why Homeowners Trust Home Comfort Alliance: ✔ Locally Owned & Operated – Serving the Pacific Northwest with integrity and expertise. ✔ Licensed & Certified Technicians – Skilled professionals delivering expert service. ✔ Upfront Pricing & Flexible Financing – No hidden fees, just honest solutions. ✔ Energy-Efficient, High-Performance Products – Lower utility bills with top-rated brands. ✔ 24/7 Emergency Service & Fast Response – Dependable repairs when you need them most. From quick repairs to full system installations, our team is here to ensure your HVAC, plumbing, and electrical systems are running smoothly year-round. Whether you need a furnace tune-up before winter, an AC installation for summer, or a new water heater for reliable hot water, we’ve got you covered! Carrier Factory Authorized Dealer
"I requested an HVAC service call quote from G&S Heating through Angi, and received a "deal" via Angi for $129. I chose them partly due to that price. G&S Heating ended up billing me $280, and said that was an old outdated deal and would not honor it. Irresponsible and incredibly poor customer relations. Also, the technician they sent did not seem very knowledgeable or experienced. He said the thermostat reading issue I was having would require another service call and the possible replacement of an expensive circuit board. I ended up fixing the problem myself. I will not be using G&S Heating again."
Keith M on November 2022
Washington Energy Services has been helping homeowners throughout Western Washington save money and live more comfortably since 1957. As one of the largest home improvement companies in the Seattle-Tacoma area, we are able to provide you with top-quality products and services, installed by our professional craftsmen. Our free in-home estimates ensure you get the right product for your home. We'll be with you through all aspects of your project from the purchase decision, expert installation, quality maintenance and service, and even warranty work should you need it. We assist with permits and rebates, too. Give Washington Energy Services a call today to learn more or to schedule your service.
"This review is long overdue in my praise of Washington Energy Services for their customer service, pricing and workmanship ! My first interaction was in 1999 when they installed windows throughout my house. They are still in excellent condition. I might note I called them over 20 years later to inquire on how I could repair a broken slider and they sent someone right out, charging a very nominal amount to repair it. In 2020, I needed to replace my hot water tank, and the extremely knowledgeable Christy presented several options, answering my many questions. I settled on one with a booster that seemed to best fit my needs. Finally, in December 2023, I purchased a new gas furnace from WES. I had a minor issue with a fan switch and they responded quickly to rectify the situation. Within the past two months, I seemed to be having an issue with my thermostat (something they had not installed), and the manager, Greg, came out twice with his crew to explore the problem. Today they installed a new thermostat FREE OF CHARGE! Their excellent response and customer service is beyond any company I have hired. And I particularly love that they are family owned and have been around for decades. Their employees seem to be there for the long haul, which speaks highly of the owner. I refer all my friends and family and I won't go anywhere else for services that they offer. Many thanks to the staff I have interacted with over the past 25 years!"
Joan K on March 2025
Washington Energy Services has been helping homeowners throughout Western Washington save money and live more comfortably since 1957. As one of the largest home improvement companies in the Seattle-Tacoma area, we are able to provide you with top-quality products and services, installed by our professional craftsmen. Our free in-home estimates ensure you get the right product for your home. We'll be with you through all aspects of your project from the purchase decision, expert installation, quality maintenance and service, and even warranty work should you need it. We assist with permits and rebates, too. Give Washington Energy Services a call today to learn more or to schedule your service.
"This review is long overdue in my praise of Washington Energy Services for their customer service, pricing and workmanship ! My first interaction was in 1999 when they installed windows throughout my house. They are still in excellent condition. I might note I called them over 20 years later to inquire on how I could repair a broken slider and they sent someone right out, charging a very nominal amount to repair it. In 2020, I needed to replace my hot water tank, and the extremely knowledgeable Christy presented several options, answering my many questions. I settled on one with a booster that seemed to best fit my needs. Finally, in December 2023, I purchased a new gas furnace from WES. I had a minor issue with a fan switch and they responded quickly to rectify the situation. Within the past two months, I seemed to be having an issue with my thermostat (something they had not installed), and the manager, Greg, came out twice with his crew to explore the problem. Today they installed a new thermostat FREE OF CHARGE! Their excellent response and customer service is beyond any company I have hired. And I particularly love that they are family owned and have been around for decades. Their employees seem to be there for the long haul, which speaks highly of the owner. I refer all my friends and family and I won't go anywhere else for services that they offer. Many thanks to the staff I have interacted with over the past 25 years!"
Joan K on March 2025
The average cost of a home security system is about $700, ranging from $280 to $1,150. Costs to consider include equipment, surveillance fees, and other additional features. Cost factors that determine your system’s price include the type of security system, materials, labor, activation fees, monthly fees, and permits. Additional features and upgrades may include:
Video surveillance monitoring: $40–$65 per month
Smart home locks: $150
Smart home lighting: $15–$90
Smart smoke, fire, and carbon monoxide alarms: $35–$100
Smart thermostat: $130–$500
Yes, you should get a quote or an estimate from an electrician. Most electricians offer free estimates or quotes. When getting quotes, do your research and verify each electrician’s license. Get quotes from three different electricians to compare. If the prices or items listed appear different on the quotes, ask the electrician to clarify. Learning as much as you can about the electrical work you want done will help you get the most accurate estimate.
Yes, a home security system can be worth it for your peace of mind alone, but it can also save you up to 20% on your home insurance. The insurance savings will help defray the initial setup costs and subscription costs over time. Locations with higher crime rates also make home security systems a valuable investment, but it ultimately depends on your personal preferences and asset values.
Yes, most states require HVAC technicians to be certified, and for good reason. Hiring an unlicensed HVAC technician could lead to poor quality work, costly future expenses, and potential code violations.
As you browse our pro listings, take note of the “Angi Approved” badge. Angi Approved businesses meet our standards for certification which include:
The owner, principal, or relevant manager passed a criminal background check
Required to have applicable state and local licenses
Maintain an average star rating of 3.0 or better on our network, if they have at least one review
Paying to advertise their services
Meeting any other eligibility criteria required by Angi
Keep in mind licensing is different from certifications. A license is a legal requirement to operate a business, while certifications are voluntary.
Qualified, licensed electricians will charge from $50 to $100 per hour. The cost to hire an electrician for emergency visits may range from $100 to $200 per hour because this urgent service usually takes place during off hours and may require an electrician to leave or reschedule jobs they’re currently working on. Scheduling work on holidays or during periods of high customer demand, like after a major storm, will also lead to higher rates or extra fees.