Are Home Warranties Worth It for Port St. Lucie Residents?
Yes, home warranties are worth it for Port St. Lucie residents. Port St. Lucie experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioning system may malfunction over time from heavy use.
Port St. Lucie has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of replacing your HVAC system can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 a year, based on 120 quotes we received from home warranty companies nationwide.
Port St. Lucie'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, your home warranty will connect you with service providers you can trust.
A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, your home warranty company can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you select the best home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of roughly $65–$125 every time you file a claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before selecting a plan.
Coverage
Figure out which systems and appliances you use the most. You'll want a home warranty plan that covers these items. Most home warranties can be tailored to your needs, and many providers offer systems-only plans for those who only need 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
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Home warranties usually only cover damage from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies will also not cover appliance components or cosmetic issues, defects, routine maintenance, or theft. You can read about your provider's limitations and exclusions within your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another important factor to consider. You can browse real customer reviews on sites like Best Company, Google Reviews, and Trustpilot 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 the status of a provider's state license.
Contractor Network
Consider 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. Select a provider that mentions the names of familiar contractors. Residents of rural areas should consider choosing a home warranty that lets them select their technician. There may be no in-network service providers available in these areas, and customers might need to source their own.
Frequently Asked Questions About Home Warranty in Port St. Lucie
Do I need a home warranty in Port St. Lucie?
What are preexisting conditions?
What is the best home warranty provider in Port St. Lucie?
Do home warranties cover 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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