Are Home Warranties Worth It for Palm Beach Gardens Residents?
Yes, home warranties are worth it for Palm Beach Gardens residents. Palm Beach Gardens experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioner may malfunction over time from heavy use.
Palm Beach Gardens winters are fairly mild, but you still want a reliable heating system. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. Palm Beach Gardens' heavy rain can also affect your home's roof.
Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Lastly, home warranties connect you with trustworthy service providers. When life is keeping you busy, you want to know that a reliable technician is handling your repairs.
Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors to determine the right home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $53–$62 per month. There are also service call fees that apply each time you file a claim. These fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before committing to a plan.
Coverage
You can look for a home warranty plan that covers specific appliances and systems. Decide whether you want coverage for major systems (like air conditioning), specific appliances, or both. Then ask your provider about its options for customized coverage. 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
Usually, home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, defects, theft, or routine maintenance aren't covered either. Your provider will outline its limitations and exclusions in its service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.
Provider Reputation
Also, consider a provider's reputation when making a decision. You can find customer reviews on sites like Google Reviews, Trustpilot, and Best Company or look at a company's rating with the Better Business Bureau (BBB). Reviews and ratings are a great way to see how providers handle claims and customer service. Check with the Florida Division of Consumer Services to verify a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Providers should always send licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. Select a provider that mentions service contractors you're familiar with. 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, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Palm Beach Gardens
Do I need a home warranty in Palm Beach Gardens?
What are preexisting conditions?
What is the best home warranty provider in Palm Beach 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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