Are Home Warranties Worth It for Montgomery Residents?
Home warranties are worth it for Montgomery residents. Montgomery 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.
Montgomery 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 across the nation.
Montgomery's heavy rain can also affect your roof. Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Lastly, your home warranty will connect you with service providers you can trust.
Investing in a reputable home warranty company is worth it because companies vet their technicians. If you don't have time to do the research yourself, your home warranty provider can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when choosing your home warranty plan.
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost approximately $53–$62 a month. Additionally, you'll pay a service call fee whenever you file a claim. Service call fees range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before choosing a plan.
Many home warranty companies offer systems-only plans or plans for select appliances. Figure out which systems and appliances you use the most before choosing a plan. If you only need coverage for certain major systems (like air conditioning) or specific appliances, you can find a plan that meets your needs. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Typically, home warranties don't cover improper installation or preexisting conditions. Most policies will only cover breakdowns from normal wear and tear. Most will also exclude appliance components or cosmetic issues, routine maintenance, theft, or defects. Providers will outline limitations and exclusions in their service contracts. Read your contract thoroughly to make sure you understand your plan's terms and conditions.
Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. Looking at reviews can give you a sense of how companies handle customer service and claims. Check with the Alabama Attorney General to verify that a provider holds a license with the state.
Take into account 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 where and how a company sources its technicians. If you can, use a provider that mentions the names of familiar service contractors. Residents of rural areas may prefer a home warranty that lets them choose their technician. It's important to have the option to source your own provider if no in-network ones are available in your area.
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Montgomery Home Warranties FAQ
Is a home warranty required in Montgomery?
No, you don't need a home warranty in Montgomery. However, we still recommend purchasing one, as it helps you maintain a budget to cover expensive system and appliance breakdowns. It'll also save you time you'd otherwise spend searching for a reliable service technician.
What are preexisting conditions?
A preexisting condition is a breakdown or issue experienced by a home appliance or system before warranty coverage begins. Providers usually don't cover preexisting conditions. Try to purchase a home warranty policy while all your appliances and systems are still in working order to ensure complete protection.
What is the best home warranty provider in Montgomery?
The best home warranty in Montgomery depends on your specific needs. Liberty Home Guard is a good choice if you require unique coverage. Consider American Home Shield if you're looking for comprehensive coverage limits.
Do home warranties cover other types of home items?
Yes, home warranties cover many home items aside from common appliances and systems. For example, some warranties cover sump pumps, stand-alone freezers, pools and spas, well pumps, septic systems, and more. Providers typically cover these items as add-ons. Check with a company representative to see what add-ons are available.
Why is there a waiting period before my home warranty coverage begins?
Home warranty policies typically don't cover items that are already broken. Therefore, most home warranty providers have a waiting period of 30 days before the start of coverage to ensure appliance and system breakdowns are from normal wear and tear rather than preexisting conditions.
How long does a home warranty typically last?
Most home warranties last a year, but some are a bit longer. You can renew at the end of your contract.
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