Are Home Warranties Worth It for Miami Beach Residents?
Home warranties are worth it for Miami Beach residents. Miami Beach summers are very hot, which makes it extremely important that your air conditioner works well. However, over time this system can malfunction from heavy use.
Winters in Miami Beach 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 received from home warranty companies across the nation. Miami Beach's heavy rain can damage your home's roof.
Some home warranty providers offer limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, your home warranty will connect you with trustworthy service providers. Investing in a reputable home warranty company is worth it because companies vet their technicians.
When life keeps you busy, your home warranty provider can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when determining the right home warranty plan for you.
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost an average of $53–$62 monthly. Additionally, you'll pay a service call fee whenever you file a claim. Service call fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know your specific needs before selecting a plan.
Most home warranty companies can tailor a plan to your needs. Make a list of the appliances and systems that you use often and want 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
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Typically, home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, routine maintenance, theft, or defects are also not covered. Providers will outline limitations and exclusions in their service contracts. Thoroughly read your contract to ensure you understand your plan's terms and conditions.
Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. These 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 license with the state.
Consider a home warranty company's network of service providers. Any company you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company how and where it sources technicians. We recommend picking a provider that mentions the names of familiar service contractors. Residents of rural areas may consider choosing a home warranty that lets them pick their technicians. It's good to have the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in Miami Beach
Do I need a home warranty in Miami Beach?
What are preexisting conditions?
What is Miami Beach's best home warranty provider?
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 do I file a claim with my home warranty provider?
To share feedback or ask a question about this article, send a note to our Reviews Team at firstname.lastname@example.org.