Are Home Warranties Worth It for Florence Residents?
Yes, home warranties are worth it for Florence residents. Florence summers are very hot, which makes it very important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.
Florence has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of an HVAC system replacement can range between $2,500 and $8,000. A home warranty plan is comparatively cheaper, only $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
Florence'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. 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 key factors to determine the right home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $53–$62 per month. There are also service call fees that apply whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans generally 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 raise the monthly price.
Coverage
Most home warranties can be somewhat customized to your needs. Think about which appliances and systems you use often and would like coverage for. If you only need coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. The following 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
Typically, home warranties only cover damage from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, appliance components or cosmetic issues, defects, theft, or routine maintenance aren't covered either. Your 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.
Provider Reputation
Provider reputation is another important factor to consider. You can find real customer reviews on sites such as Trustpilot, Best Company, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can provide insight into how a company handles customer service and claims. Check with the Alabama Attorney General to verify a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Your provider should always send licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. We recommend picking a provider that mentions service contractors you're familiar with. Those who live 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 Florence
Do I need a home warranty in Florence?
What are preexisting conditions?
What is the best home warranty provider in Florence?
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 do I file a claim with my home warranty provider?
To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.