Are Home Warranties Worth It for Fort Myers Residents?
Home warranties are worth it for Fort Myers residents. Summers in Fort Myers are very hot, which makes it very important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.
Fort Myers 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 are comparatively cheaper at only $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.
Fort Myers' heavy rain can also affect your home's roof. Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair. Lastly, home warranties connect you with reliable technicians.
When work and other priorities keep you busy, you want to know a trustworthy service provider 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 to determine the right home warranty plan for your needs.
We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost approximately $53–$62 per month. There are also service call fees each time you file a claim. Service call 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 specific needs before purchasing a plan.
You can often find home warranty plans that cover specific systems and appliances. Decide whether you need 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
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Typically, home warranties don't cover preexisting conditions or improper installation. Most policies only cover normal wear and tear. Most will also exclude appliance components or cosmetic issues, defects, theft, or routine maintenance. Each provider will outline its limitations and exclusions in your service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.
Provider reputation is another key factor to consider. You can find customer reviews on sites like Trustpilot, Best Company, and Google Reviews 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 a provider's state license.
Take into account a home warranty company's service provider network. The company you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company how and where it sources technicians. Choose a provider that mentions service contractors you're familiar with. Rural homeowners may prefer a home warranty that lets them choose their technician. It's important to have the option to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Fort Myers
Do I need a home warranty in Fort Myers?
What are preexisting conditions?
What is Fort Myers' 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 is a home warranty different from homeowners insurance?
How long does a home warranty typically last?
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