Are Home Warranties Worth It for Boca Raton Residents?
Yes, home warranties are worth it for Boca Raton residents. Boca Raton summers are very hot, which makes it very important for your air conditioner to work properly. However, this system can malfunction over time from heavy use.
Boca Raton winters are fairly mild, but you still want a reliable heating system. Replacing your HVAC system can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. Boca Raton's heavy rain can cause damage to your home's roof.
Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, home warranties connect you with trusted service providers. Reputable home warranty companies vet every service provider they use.
If you don't have time to do the research yourself, 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 selecting the best home warranty for your needs.
We received 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are typically more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know your specific needs before purchasing a plan.
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
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
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 within your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Consider a provider's reputation before purchasing a plan. Check its Better Business Bureau rating. Also read customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. Reading these reviews gives you an idea of how companies handle customer service and claims. Check with the Florida Division of Consumer Services to verify that a provider holds a license with the state.
Take into account a home warranty company's network of service providers. Make sure to ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. Select a provider that mentions the names of familiar contractors. Rural homeowners might prefer home warranty policies that allow you to choose your technician. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Boca Raton
Do I need a home warranty in Boca Raton?
What are preexisting conditions?
What is the best home warranty provider in Boca Raton?
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 long does a home warranty typically last?
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