Best 7 Home Warranty Companies in Fort Smith, AR

Are Home Warranties Worth It for Fort Smith Residents?

Yes, home warranties are worth it for Fort Smith residents. Fort Smith summers are very hot, which makes it extremely important that your air conditioner is working well. However, over time this system can malfunction from heavy use.

Winters in Fort Smith are fairly mild, but you still want a reliable heating system. HVAC system replacement can cost anywhere from $2,500–$8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. Fort Smith's heavy rain can also affect your roof.

Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Finally, home warranties connect you with trusted service providers. Reputable home warranty companies vet all their service providers.

If life keeps you busy, investing in a home warranty ensures you have access to trustworthy technicians.

What To Consider Before Choosing a Home Warranty Company

Consider these key factors when determining the right home warranty plan for you.

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. You'll also pay a service call fee every time you file a claim. Service call fees typically range from $65–$125 per claim. A basic home warranty will be more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. Most plans give you the option of getting add-on coverage options for an additional monthly fee. Consider your specific needs before committing to a plan.

Coverage

Determine which systems and appliances you use the most. Most home warranties offer custom coverage tailored to your needs. If you only need coverage for certain systems, like your air conditioner, most providers offer systems-only plans. The same is true if you only need coverage for certain appliances. The following 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

Generally, home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, routine maintenance, theft, or defects are also not covered. You can read about your provider's exclusions and limitations within your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.

Provider Reputation

Also, consider provider reputation when choosing a plan. You can read customer reviews on sites such as Best Company, Trustpilot, and Google Reviews or look at a company's rating with the Better Business Bureau (BBB). Reviews and ratings are a great way to see how providers handle customer service and claims. Check with the Arkansas Consumer Protection Division to verify a provider's state license.

Contractor Network

Take into account a home warranty company's service provider network. Reliable home warranty providers source licensed and registered contractors to fulfill service requests. We suggest asking a provider how and where it sources technicians. Select a provider that mentions the names of familiar service contractors. 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, and customers may need to source their own.