Are Home Warranties Worth It for Little Rock Residents?
Yes, home warranties are worth it for Little Rock residents. Little Rock summers are very hot, which makes it very important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.
Little Rock winters are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we requested from home warranty companies nationwide.
Little Rock's heavy rain can cause damage to your roof. Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, home warranties connect you with trustworthy service providers.
Reputable home warranty companies vet each service provider they work with. If you're busy with work or other priorities, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these key 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 an average of $53–$62 a month. You'll also pay a service call fee each time you file a claim. Service call fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before choosing a plan.
You can look for a home warranty plan that covers specific systems and appliances. Determine whether you want coverage for major systems (such as air conditioning), specific appliances, or for both. Then ask your provider what its options are for customized coverage. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Usually, home warranties only cover breakdowns 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 aren't covered either. Providers will outline exclusions and limitations in their service contracts. Thoroughly read your contract to ensure you understand the terms and conditions of your plan.
Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Customer reviews can show you how providers handle claims and customer service. Check with the Arkansas Consumer Protection Division to verify the status of a provider's state license.
Consider a home warranty company's service provider network. Your provider should always use licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. Choose a provider that mentions the names of familiar service contractors. Homeowners in rural areas might consider choosing a home warranty provider that lets customers pick their technicians. It's good to have the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in Little Rock
Is a home warranty required in Little Rock?
What are preexisting conditions?
What is the best home warranty provider in Little Rock?
Can I get a home warranty that covers other types of home items?
Why do home warranties have a waiting period before coverage begins?
How do I file a claim with my home warranty provider?
How can I maximize the value of my home warranty?
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