Are Home Warranties Worth It for Delray Beach Residents?
Yes, home warranties are worth it for Delray Beach residents. Delray Beach experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioner can malfunction over time from heavy use.
Delray Beach has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of replacing your HVAC system can range between $2,500 and $8,000. Home warranties, on the other hand, come in at only $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
Delray Beach's heavy rain can also affect your roof. Some home warranty companies offer limited roof-leak coverage to financially assist with 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. When life keeps you busy, your home warranty provider can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when selecting the right home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost roughly $53–$62 per month. There are also service call fees whenever you file a claim. These fees range from $65–$125 per claim. A basic home warranty is more affordable than a comprehensive one. Appliance plans are typically less expensive than home systems coverage plans. Most plans give you the option of getting add-on coverage options for an additional monthly cost. Consider your particular needs before purchasing a plan.
Coverage
You can look for a home warranty plan that covers specific appliances and systems. Determine whether you want coverage for major systems (such as air conditioning), specific appliances, or both. Then ask your provider what its options are for customized coverage. 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 breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, appliance components or cosmetic issues, defects, routine maintenance, or theft aren't covered either. Providers outline limitations and exclusions within their service contracts. Make sure you read yours carefully to fully understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another important factor to consider. You can browse real customer reviews on sites like Google Reviews, Trustpilot, and Best Company or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can provide insight into how a company handles claims and customer service. Check with the Florida Division of Consumer Services to verify that a provider holds a license with the state.
Contractor Network
Take into account a home warranty company's service provider network. Be sure to ask your company where and how it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. Select a provider that mentions the names of familiar service contractors. Homeowners in rural areas may prefer home warranty policies with the option to choose their technicians. There may not be any in-network service providers in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Delray Beach
Do I need a home warranty in Delray Beach?
What are preexisting conditions?
What is the best home warranty provider in Delray Beach?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How can I maximize the value of my home warranty?
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