Are Home Warranties Worth It for Largo Residents?
Home warranties are worth it for Largo residents. Largo 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.
Largo winters are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
The frequent rain in Largo can damage your roof. The cost of repairs will be lower if your home warranty has roof-leak coverage. Lastly, home warranties connect you with trustworthy service providers.
Reputable home warranty companies vet all their service providers. If life keeps you busy, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when choosing the right home warranty plan for you.
Cost
We requested 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 whenever you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before choosing a plan.
Coverage
Figure out which systems and appliances you use the most. Most home warranties offer customizable coverage tailored to your needs. If you only want coverage for certain systems, such as your air conditioner, most providers offer systems-only plans. The same is true if you only want coverage for select appliances. 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
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, theft, defects, or routine maintenance. Your provider will outline its limitations and exclusions in your service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Provider Reputation
Also, consider a provider's reputation. You can also find real customer reviews on sites such as Google Reviews, Best Company, and Trustpilot. Ratings and reviews can show you 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
Consider a home warranty company's network of service providers. The provider you choose should use licensed and registered contractors to handle service requests; make sure to ask your company where and how it sources technicians. Select a provider that mentions the names of familiar service contractors. Homeowners in rural areas may prefer home warranty policies that allow you to choose your technician. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Largo
Is a home warranty required in Largo?
What are preexisting conditions?
What is the best home warranty provider in Largo?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How long does a home warranty typically last?
How can I maximize the value of my home warranty?
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