Are Home Warranties Worth It for Gainesville Residents?
Home warranties are worth it for Gainesville residents. Gainesville 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.
Gainesville 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 Gainesville can damage your roof.
The financial burden of this will be lessened if your home warranty has roof-leak coverage. Lastly, your home warranty will connect you with service providers you can trust. Investing in a reputable home warranty company is worth it because companies vet their technicians.
If you don't have time to do the research yourself, your home warranty company can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when selecting the right home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and discovered that the average home warranty costs between $53–$62 per month. There are also service call fees that apply each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know 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 want covered. If you only want coverage for select systems or appliances (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
Usually, home warranties don't cover improper installation or preexisting conditions. Most policies will only cover normal wear and tear. Most will also exclude appliance components or cosmetic issues, defects, theft, or routine maintenance. Providers outline exclusions and limitations in their service contracts. Make sure you read yours carefully to fully understand the terms and conditions of your plan.
Provider Reputation
Consider a provider's reputation before committing to a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Trustpilot, Google Reviews, and Best Company. These reviews can give you an idea of how companies 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 service provider network. Providers should always use licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. If you can, use a provider that mentions the names of familiar service contractors. Residents of rural areas might consider home warranties that allow the customer 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 Gainesville
Do I need a home warranty in Gainesville?
What are preexisting conditions?
What is Gainesville's best home warranty provider?
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 long does a home warranty typically last?
How do I file a claim with my home warranty provider?
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