Are Home Warranties Worth It for Palm Harbor Residents?
Yes, home warranties are worth it for Palm Harbor residents. Summers in Palm Harbor are very hot, which makes it very important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.
Winters in Palm Harbor 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 Harbor's heavy rain can damage your roof.
Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof 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 every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you choose the right home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost approximately $53–$62 per month. You'll also pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are generally more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. 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.
Coverage
Most home warranties can be somewhat customized to your needs. Make a list of the systems and appliances that you use often and need coverage for. If you only need coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. 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
Most home warranties only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. In addition, home warranties don't cover appliance components or cosmetic issues, defects, routine maintenance, or theft. Providers will outline limitations and exclusions in their service contracts. Read your contract thoroughly to make sure you understand the terms and conditions of your plan.
Provider Reputation
Consider a provider's reputation before committing to a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Best Company, Trustpilot, and Google Reviews. Reading these reviews gives you an idea of 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.
Contractor Network
Take into account a home warranty company's network of service providers. Quality home warranty companies source licensed and registered contractors to fulfill service requests. We suggest asking a provider where and how it sources technicians. We recommend picking a provider that mentions the names of familiar service contractors. Residents of rural areas should consider choosing a home warranty that lets them select their technician. Rural areas may not have any in-network service providers available, and customers may need to source their own.
Frequently Asked Questions About Home Warranty in Palm Harbor
Do I need a home warranty in Palm Harbor?
What are preexisting conditions?
What is Palm Harbor's best home warranty provider?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
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