Are Home Warranties Worth It for Dunedin Residents?
Home warranties are worth it for Dunedin residents. Dunedin summers are very hot, which makes it extremely important that your air conditioner works well. However, over time this system can malfunction from heavy use.
Dunedin winters 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 coming in at around $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. The frequent rain in Dunedin can damage your roof.
The financial burden of this will be lessened if your home warranty has roof-leak coverage. Finally, home warranties connect you with trusted service providers. Reputable home warranty companies vet all their service providers.
If life keeps you busy, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you determine the best home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and found that the average home warranty costs between $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 more affordable than comprehensive ones. Appliance plans are typically less expensive than home systems coverage plans. Most plans offer add-on coverage options for an additional monthly fee. Consider your particular needs before choosing a plan.
Coverage
You can often find home warranty plans that cover specific systems and appliances. Determine whether you want coverage for major systems (such as air conditioning), specific appliances, or for 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
Usually, home warranties don't cover preexisting conditions or improper installation. Most policies only cover damage from normal wear and tear. Most will also exclude appliance components or cosmetic issues, defects, routine maintenance, or theft. You can read about your provider's exclusions and limitations within your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Provider Reputation
Also, consider provider reputation when choosing a plan. You can read customer reviews on sites like Google Reviews, Trustpilot, and Best Company or look at a company's rating with the Better Business Bureau (BBB). Reviews and ratings are a great way to see 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.
Contractor Network
Take into account a home warranty company's service provider network. Make sure you ask your company how and where it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. If you can, use a provider that mentions service contractors you're familiar with. Those residing in rural areas should consider a home warranty that allows you to choose your technician. You may not have any in-network service providers in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in Dunedin
Is a home warranty required in Dunedin?
What are preexisting conditions?
What is Dunedin's best home warranty provider?
Do home warranties cover 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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