Are Home Warranties Worth It for Brandon Residents?
Home warranties are worth it for Brandon residents. Brandon experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioner may malfunction over time from heavy use.
Winters in Brandon 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 costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. Brandon's heavy rain can damage your roof.
Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, a home warranty connects you with trustworthy service providers. Investing in a reputable home warranty company is worth it because companies vet their technicians.
If you're focused on work or other priorities, your home warranty company can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you select the best home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and discovered 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 warranty plans typically cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Consider your specific needs before choosing a plan, as add-on coverage options will increase your monthly price.
Coverage
Most home warranties can be somewhat customized to your needs. Think about which systems and appliances you use often and want coverage for. If you only need coverage for select systems or appliances (such as your air conditioning), you can often find plans to fit. 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
Typically, home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, appliance components or cosmetic issues, defects, routine maintenance, or theft are also not covered. Providers will outline exclusions and limitations in their service contracts. Read your contract thoroughly to ensure you understand the terms and conditions of your plan.
Provider Reputation
Provider reputation is another key factor to consider. You can browse real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can provide insight into how a company handles customer service and claims. Check with the Florida Division of Consumer Services to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Ask your company where and how it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. We recommend picking a provider that mentions the names of familiar service contractors. Rural homeowners should consider going with a home warranty provider that customers choose their technician. Rural areas may not have any in-network service providers available, so customers might need to source their own.
Frequently Asked Questions About Home Warranty in Brandon
Do I need a home warranty in Brandon?
What are preexisting conditions?
What is the best home warranty provider in Brandon?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How is a home warranty different from homeowners insurance?
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