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 you still want a reliable heating system. HVAC system replacement can cost anywhere from $2,500–$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. Largo's heavy rain can damage your roof.
Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, home warranties connect you with reliable service providers. Reputable home warranty companies vet every service provider they use.
If you don't have time to do the research yourself, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when picking your home warranty plan.
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost roughly $53–$62 per month. You'll also pay service call fees each time you file a claim. Service call 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. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before committing to a plan.
Determine which systems and appliances you use most often. Most home warranties offer custom coverage tailored to your needs. If you only need coverage for select systems, like your air conditioner, most providers offer systems-only plans. The same is true if you only need coverage for select appliances. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Generally, home warranties don't cover improper installation or preexisting conditions. Most policies will only cover damage from normal wear and tear. Most also exclude cosmetic issues or appliance components, routine maintenance, defects, or theft. A provider will outline its limitations and exclusions in its service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Also, consider a provider's reputation. You can also browse real customer reviews on sites like Google Reviews, Best Company, and Trustpilot. Reviews and ratings 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.
Take into account a home warranty company's service provider network. Any company you choose should use licensed and registered contractors to handle service requests; make sure to ask your company how and where it sources technicians. Select a provider that mentions the names of familiar service contractors. Residents of rural areas may prefer a home warranty that lets them choose their technician. You may need to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Largo
Is a home warranty required in Largo?
What are preexisting conditions?
What is Largo's best home warranty provider?
Can I get a home warranty that covers 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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