Are Home Warranties Worth It for Boca Raton Residents?
Yes, home warranties are worth it for Boca Raton residents. Summers in Boca Raton 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.
Boca Raton winters 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 annually, based on 120 quotes we received from home warranty companies across the nation.
Boca Raton'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, your home warranty will connect you with service providers you can trust.
A reputable home warranty is a good investment because companies vet their technicians. If you don't have time to do the research yourself, your home warranty provider can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when selecting your home warranty plan.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and found that the average home warranty costs between $53–$62 per month. There are also service call fees that apply whenever you file a claim. These 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. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before choosing a plan.
Coverage
Many home warranty companies offer plans for select appliances or systems. Determine which appliances and systems you use the most before purchasing a plan. If you only need coverage for certain major systems (such as 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
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Most home warranties only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. In addition, home warranties don't cover appliance components or cosmetic issues, defects, theft, or routine maintenance. You can read about your provider's limitations and exclusions in your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Provider Reputation
Look into a provider's reputation before committing to a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites like Best Company, Trustpilot, and Google Reviews. Reading these reviews gives you an idea of how companies handle claims and customer service. Check with the Florida Division of Consumer Services to verify a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Providers should always send licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. If you can, use a provider that mentions service contractors you're familiar with. Those who live in rural areas should consider a home warranty policy that lets them choose their technician. You may not have any in-network service providers in your area, so you'll need the option to source your own.
Frequently Asked Questions About Home Warranty in Boca Raton
Is a home warranty required in Boca Raton?
What are preexisting conditions?
What is Boca Raton's best home warranty provider?
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 is a home warranty different from homeowners insurance?
How long does a home warranty typically last?
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