Are Home Warranties Worth It for Miami Gardens Residents?
Home warranties are worth it for Miami Gardens residents. Miami Gardens summers are very hot, which makes it very important to have a reliable air conditioner. However, over time this system can malfunction from heavy use.
Winters in Miami Gardens 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 nationwide. Miami Gardens' heavy rain can also affect your roof.
Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Finally, home warranties connect you with trustworthy service providers. Reputable home warranty companies vet each service provider they work with.
If you're busy with work or other priorities, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when choosing the best home warranty plan for you.
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. You'll also pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranty plans typically cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Consider your specific needs before choosing a plan, as getting add-on coverage options will increase your monthly price.
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 homeowners that only want select coverage (such as for air conditioning). You can also find plans that cover only 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
Most home warranties cover only normal wear and tear, which excludes improper installation and preexisting conditions. Most policies also exclude appliance components or cosmetic issues, routine maintenance, theft, or defects. Each provider outlines exclusions and limitations within its service contract. We recommend reading it to understand your protection plan's specific terms and conditions.
Provider reputation is another key factor to consider. You can read real customer reviews on sites such as Trustpilot, Best Company, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can give you insight into how a company handles customer service and claims. 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. Ask your company how and where it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. Select a provider that mentions the names of familiar service contractors. Those who live in rural areas should consider a home warranty policy that lets them choose their technician. You may not have any in-network service providers in your area, so you want the option to source your own.
Frequently Asked Questions About Home Warranty in Miami Gardens
Do I need a home warranty in Miami Gardens?
What are preexisting conditions?
What is the best home warranty provider in Miami Gardens?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How do I file a claim with my home warranty provider?
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