Are Home Warranties Worth It for Mobile Residents?
Home warranties are worth it for Mobile residents. Mobile experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioner may malfunction over time from heavy use.
Mobile 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 anywhere from $2,500–$8,000. A home warranty plan is comparatively cheaper, only $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
The frequent rain in Mobile can damage your home's roof. The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. 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 all their service providers.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you determine the best home warranty plan for your needs.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 a month. Additionally, you'll pay a service call fee every time you file a claim. Service call fees can range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before selecting a plan.
Coverage
You can often find home warranty plans that cover specific systems and appliances. Decide whether you need coverage for major systems (like air conditioning), specific appliances, or both. Then ask your provider about its options 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 only cover normal wear and tear. They don't cover improper installation or preexisting conditions. Additionally, home warranties don't cover cosmetic issues or appliance components, routine maintenance, defects, or theft. Providers will outline limitations and exclusions in their service contracts. Thoroughly read your contract to ensure you understand your plan's terms and conditions.
Provider Reputation
Also, consider provider reputation. You can also browse customer reviews on sites like Trustpilot, Google Reviews, and Best Company. Reviews and ratings can show you how providers handle claims and customer service. Check with the Alabama Attorney General to verify that a provider holds a license with the state.
Contractor Network
Take into account a home warranty company's service provider network. Ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. We recommend picking a provider that mentions the names of familiar contractors. Homeowners in rural areas may prefer home warranty policies that allow customers to choose their technicians. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Mobile
Is a home warranty required in Mobile?
What are preexisting conditions?
What is Mobile's best home warranty provider?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How is a home warranty different from homeowners insurance?
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