Are Home Warranties Worth It for Horizon West Residents?
Home warranties are worth it for Horizon West residents. Horizon West experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioning system can malfunction over time from heavy use.
Horizon West 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.
Horizon West's heavy rain can damage your home's roof. Some home warranty companies offer limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, a home warranty connects you with service providers you can trust.
A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when determining the right home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost roughly $53–$62 per month. There are also service call fees each time you file a claim. These fees range from $65–$125 per claim. A basic home warranty is more affordable than a comprehensive one. Appliance plans are typically less costly than home systems coverage plans. Most plans give you the option of getting add-on coverage options for an additional monthly cost. Consider your particular needs before choosing a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Think about which systems and appliances you use often and need coverage for. If you only want coverage for select systems or appliances (such as your air conditioning), you can often find plans to fit. 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 breakdowns 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, theft, defects, or routine maintenance. A provider will outline its limitations and exclusions in your service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.
Provider Reputation
You should also consider a provider's reputation. You can also read real customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. Ratings and reviews can show how a company handles claims and customer service. Check with the Florida Division of Consumer Services to verify a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Providers should always send 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. Homeowners in rural areas may prefer a home warranty that lets them choose their technician. You'll want to be able to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Horizon West
Do I need a home warranty in Horizon West?
What are preexisting conditions?
What is the best home warranty provider in Horizon West?
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 is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
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