Are Home Warranties Worth It for Fort Pierce Residents?
Home warranties are worth it for Fort Pierce residents. Fort Pierce summers are very hot, which makes it extremely important that your air conditioner is working well. However, over time this system can malfunction from heavy use.
Fort Pierce has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of an HVAC system replacement can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 a year, based on 120 quotes we requested from home warranty companies nationwide.
Fort Pierce's heavy rain can also affect your roof. Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Finally, 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
These important factors can help you determine 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 an average of $53–$62 per month. Additionally, you'll pay a service call fee of roughly $65–$125 whenever you file a claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Home systems coverage plans tend to cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly fee. Consider your specific needs before choosing a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Think about which appliances and systems you use often and need coverage for. If you only want coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. 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
Most home warranties only cover damage from normal wear and tear. They don't cover preexisting conditions or improper installation. Additionally, home warranties don't cover appliance components or cosmetic issues, routine maintenance, theft, or defects. Each provider outlines exclusions and limitations within its service contract. Make sure you read it and understand your plan's specific terms and conditions.
Provider Reputation
Also, consider provider reputation when making a decision. You can read customer reviews on sites such as Best Company, Trustpilot, and Google Reviews 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 claims and customer service. 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 network of service providers. Companies should always send licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. If you can, use a provider that mentions the names of familiar service contractors. Residents of rural areas may opt for a home warranty that allows them to 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 Pierce
Is a home warranty required in Fort Pierce?
What are preexisting conditions?
What is Fort Pierce'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 is a home warranty different from homeowners insurance?
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