Are Home Warranties Worth It for Montgomery Residents?
Yes, home warranties are worth it for Montgomery residents. Summers in Montgomery are very hot, which makes it very important to have a reliable air conditioner. However, over time this system can malfunction from heavy use.
Winters in Montgomery are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.
The frequent rain in Montgomery can damage your home's roof. The financial burden of this will be lessened if your home warranty has roof-leak coverage. Finally, your home warranty will connect you with trustworthy service providers.
A reputable home warranty is a good investment because companies vet their technicians. When life keeps you busy, your home warranty provider can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when selecting your home warranty plan.
We requested 120 quotes for a 2,000-square-foot, single-family home. From this we determined that the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of roughly $65–$125 each time you file a claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before selecting a plan.
Determine which appliances and systems you use the most. Most home warranty plans offer customizable coverage tailored to your needs. If you only want coverage for certain 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
Most home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. In addition, home warranties don't cover cosmetic issues or appliance components, routine maintenance, theft, or defects. Providers outline their exclusions and limitations in their service contracts. Thoroughly read your contract to make sure you understand your plan's terms and conditions.
Carefully consider a provider's reputation before selecting a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites like Best Company, Trustpilot, and Google Reviews. Reading these reviews gives you an idea of how providers 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. Reliable home warranty providers source licensed and registered contractors to handle service requests. We suggest asking a provider where and how it sources technicians. If you can, use a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider a home warranty policy that allows the customer to choose their technician. Rural areas may not have any in-network service providers available, so customers may need to source their own.
Frequently Asked Questions About Home Warranty in Montgomery
Is a home warranty required in Montgomery?
What are preexisting conditions?
What is Montgomery'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 can I maximize the value of my home warranty?
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