Are Home Warranties Worth It for Clermont Residents?
Yes, home warranties are worth it for Clermont residents. Clermont summers are very hot, which makes it very important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.
Clermont winters are fairly mild, but you still want a reliable heating system. HVAC system replacement 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 across the nation. The frequent rain in Clermont can damage your home's roof.
The financial burden of this will be lessened if your home warranty has roof-leak coverage. Lastly, a home warranty connects you with trustworthy service providers. 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 company can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when choosing the best home warranty plan for you.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost roughly $53–$62 per month. You'll also pay service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. Basic home warranty plans generally cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as getting add-on coverage options will increase your monthly price.
Coverage
Figure out which appliances and systems you use most often. You want your home warranty plan to cover these items. Most plans can be tailored to your needs, and many companies offer systems-only plans for those who only want select coverage (such as for air conditioning). You can also get a plan that only covers select appliances. The following 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 normal wear and tear. They don't cover preexisting conditions or improper installation. Additionally, home warranties don't cover appliance components or cosmetic issues, theft, routine maintenance, or defects. Providers will outline limitations and exclusions in their service contracts. Thoroughly read your contract to make sure you understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another key factor to consider. You can find customer reviews on sites like Google Reviews, Trustpilot, and Best Company or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can give you 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. Make sure to ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. Choose a provider that mentions the names of familiar contractors. Homeowners in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in Clermont
Do I need a home warranty in Clermont?
What are preexisting conditions?
What is the best home warranty provider in Clermont?
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 do I file a claim with my home warranty provider?
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