Are Home Warranties Worth It for Plant City Residents?
Home warranties are worth it for Plant City residents. Plant City summers 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.
Plant City winters are fairly mild, but you still want a reliable heating system. Replacing your HVAC system 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. Plant City's heavy rain can also affect your roof.
Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Lastly, a home warranty connects you with service providers you can trust. 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 give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you determine the right home warranty plan for your needs.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost an average of $53–$62 a month. Additionally, you'll pay a service call fee every time you file a claim. These fees can range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before choosing a plan.
Coverage
Most home warranty companies can tailor a plan to your needs. Make a list of the systems and appliances that you use often and need 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
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Home warranties typically only cover normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover appliance components or cosmetic issues, routine maintenance, defects, or theft. Each provider will outline its limitations and exclusions in your service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.
Provider Reputation
Consider a company's 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 give you a sense of how companies handle customer service and claims. Check with the Florida Division of Consumer Services to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Make sure to ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. If you can, use a provider that mentions contractors you're familiar with. Homeowners in rural areas might prefer home warranty policies that allow customers to choose their technicians. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Plant City
Is a home warranty required in Plant City?
What are preexisting conditions?
What is Plant City'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 long does a home warranty typically last?
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