Are Home Warranties Worth It for Hoover Residents?
Yes, home warranties are worth it for Hoover residents. Hoover experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioning system may malfunction over time from heavy use.
Hoover has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of replacing your HVAC system can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
The frequent rain in Hoover can damage your home's roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. 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 a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when picking the right home warranty plan for you.
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. You also have to pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know what you need before purchasing a plan.
Determine the appliances and systems you use the most. Most home warranties offer customizable coverage tailored to your needs. If you only want coverage for select systems, such as your air conditioner, most companies offer systems-only plans. The same is true if you only want coverage for certain appliances. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Home warranties generally only cover damage from normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies will also not cover appliance components or cosmetic issues, theft, routine maintenance, or defects. Each provider will outline its exclusions and limitations 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 read customer reviews on sites like Trustpilot, Best Company, and Google Reviews. Ratings and reviews can show how a company handles claims and customer service. Check with the Alabama Attorney General to verify the status of a provider's state license.
Take into account a home warranty company's network of service providers. Your provider should always send licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. Select a provider that mentions the names of familiar service contractors. Homeowners in rural areas may prefer home warranty policies that allow you to choose your technician. In-network service providers may be unavailable in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Hoover
Is a home warranty required in Hoover?
What are preexisting conditions?
What is Hoover's best home warranty provider?
Do home warranties cover 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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