Are Home Warranties Worth It for Decatur Residents?
Yes, home warranties are worth it for Decatur residents. Decatur experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioner can malfunction over time from heavy use.
Winters in Decatur 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 requested from home warranty companies across the nation.
Decatur's heavy rain can also affect your home's roof. Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair. Lastly, home warranties connect you with trusted service providers.
Reputable home warranty companies vet each service provider they work with. If you don't have time to do the research yourself, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you select the right home warranty plan for your needs.
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost an average of $53–$62 a month. You'll also pay a service call fee each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know what you need before selecting a plan.
You can look for a home warranty plan that covers specific systems and appliances. Determine whether you want coverage for major systems (such as air conditioning), 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
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Generally, home warranties don't cover improper installation or preexisting conditions. Most policies only cover normal wear and tear. Most also exclude cosmetic issues or appliance components, defects, routine maintenance, or theft. Each provider will outline its limitations and exclusions in your service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.
Also, consider a provider's reputation. You can also find real customer reviews on sites like Trustpilot, Google Reviews, and Best Company. Reviews and ratings can show how a company handles customer service and claims. Check with the Alabama Attorney General to verify that a provider holds a license with the state.
Consider a home warranty company's service provider network. Any company you choose should use licensed and registered contractors to handle service requests; make sure to ask your company where and how it sources technicians. If you can, use a provider that mentions the names of familiar service contractors. Those residing in rural areas should consider a home warranty policy that lets them choose their technician. In-network service providers may not be available in your area, so you'll need the option to source your own.
Frequently Asked Questions About Home Warranty in Decatur
Is a home warranty required in Decatur?
What are preexisting conditions?
What is Decatur's best home warranty provider?
Can I get a home warranty that covers other types of home items?
Why do home warranties have a waiting period before coverage begins?
How can I maximize the value of my home warranty?
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