Best 7 Home Warranty Companies in Montgomery, AL

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.

Cost

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.

Coverage

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
• Ductwork
• Electrical
• Heating
• Plumbing
• Water heater

Commonly covered appliances include the following:

• Built-in microwaves
• Clothes washers and dryers
• Dishwashers
• Garbage disposals
• Ovens
• Refrigerators
• Stovetops

Also, consider coverage limits. Homeowners with older systems or appliances may opt for a provider with higher coverage limits. According to our research, companies with higher coverage caps usually charge higher premiums.

Exclusions

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.

Provider Reputation

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.

Contractor Network

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.