Are Home Warranties Worth It for Houston Residents?
Yes, home warranties are worth it for Houston residents. Summers in Houston are very hot, which makes it extremely important that your air conditioner is working well. However, this system can malfunction over time from heavy use.
Houston winters are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.
The regular rain in Houston can damage your home's roof. Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. 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
Consider these important factors when selecting the right home warranty plan for you.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty cost is $53–$62 per month. Additionally, you'll pay a service call fee of between $65–$125 every time you file a claim. Basic home warranty plans typically cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as add-on coverage options will increase your monthly price.
Coverage
You can look for a home warranty plan that covers specific appliances and systems. Decide whether you want coverage for major systems (like air conditioning), 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
Most home warranties cover only normal wear and tear, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude appliance components or cosmetic issues, theft, routine maintenance, or defects. Providers will outline limitations and exclusions in their service contracts. Read your contract thoroughly to make sure you understand the terms and conditions of your plan.
Provider Reputation
Provider reputation is another important factor to consider. You can read customer reviews on sites like Best Company, Google Reviews, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can provide insight into how a company handles claims and customer service. Check with the Texas Attorney General to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's service provider network. Make sure to ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. Choose a provider that mentions contractors you're familiar with. Residents of rural areas may consider choosing a home warranty that lets them pick their technicians. It's good to have the option to source your own providers if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Houston
Do I need a home warranty in Houston?
What are preexisting conditions?
What is the best home warranty provider in Houston?
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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