Best 7 Home Warranty Companies in Homestead, FL

Are Home Warranties Worth It for Homestead Residents?

Yes, home warranties are worth it for Homestead residents. Summers in Homestead are very hot, which makes it extremely important that your air conditioner works well. However, this system can malfunction over time from heavy use.

Homestead 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 coming in at around $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. Homestead's heavy rain can damage your home's roof.

Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, a home warranty connects you with trustworthy service providers. Investing in a reputable home warranty company is worth it because companies vet their technicians.

If you're focused on work or other priorities, your home warranty company can give you peace of mind that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

These important factors can help you select the right home warranty plan for your needs.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $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 warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before selecting a plan.

Coverage

Figure out which appliances and systems you use most often. You'll want a home warranty plan that covers these items. Most plans can be tailored to your needs, and many companies offer systems-only plans for those who only want select coverage (such as for air conditioning). You can also get a plan that only covers select appliances. The following 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 normal wear and tear. They don't cover preexisting conditions or improper installation. Additionally, home warranties don't cover appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers outline their limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand your plan's terms and conditions.

Provider Reputation

Also, consider provider reputation. You can also browse customer reviews on sites like Best Company, Google Reviews, and Trustpilot. Reviews and ratings can show 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 network of service providers. Ask your company how and where it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. If you can, use a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider choosing a home warranty that lets them select their technicians. You'll want the option to source your own providers if there are no in-network ones available in your area.