Are Home Warranties Worth It for Cape Coral Residents?
Home warranties are worth it for Cape Coral residents. Summers in Cape Coral are very hot, which makes it extremely important that your air conditioner works well. However, this system can malfunction over time from heavy use.
Winters in Cape Coral 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 coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies across the nation. Cape Coral's heavy rain can also affect your home's roof.
Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Lastly, home warranties connect you with trustworthy service providers. When life is keeping you busy, you want to know that a reliable technician is handling your repairs.
Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Consider the following factors when selecting the best home warranty for your needs.
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 per month. Additionally, you'll pay a service call fee each time you file a claim. Service call fees can range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before choosing a plan.
You can often find home warranty plans that cover specific systems and appliances. Decide whether you need coverage for major systems (like air conditioning), specific appliances, or both. Then ask your provider about its options for customized coverage. 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 normal wear and tear, which excludes improper installation and preexisting conditions. Additionally, most policies will exclude appliance components or cosmetic issues, theft, routine maintenance, or defects. Providers outline exclusions and limitations in their service contracts. We recommend reading carefully to fully understand your plan's terms and conditions.
Look into a provider's reputation before deciding on a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. These reviews can give you an idea of how providers handle customer service and claims. Check with the Florida Division of Consumer Services to verify that a provider holds a valid state license.
Consider a home warranty company's network of service providers. Reputable home warranty providers source licensed and registered contractors to handle service requests. We suggest asking a provider where and how it sources technicians. We recommend picking a provider that mentions service contractors you're familiar with. Homeowners in rural areas might consider choosing a home warranty that lets them select 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 Cape Coral
Do I need a home warranty in Cape Coral?
What are preexisting conditions?
What is Cape Coral's best home warranty provider?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How do I file a claim with my home warranty provider?
To share feedback or ask a question about this article, send a note to our Reviews Team at firstname.lastname@example.org.