Are Home Warranties Worth It for Sarasota Residents?
Home warranties are worth it for Sarasota residents. Sarasota 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.
Sarasota winters are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
Sarasota's heavy rain can also affect your roof. Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair. Finally, your home warranty will connect you with service providers you can trust.
Investing in a reputable home warranty company is worth it 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 problem.
What To Consider Before Choosing a Home Warranty Company
Think about the following factors to determine the right home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and found that the average home warranty costs between $53–$62 per month. You also have to 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. Appliance plans are more affordable than home systems coverage plans. You can often get add-on coverage for an additional monthly cost. Be sure you know your specific needs before selecting a plan.
Coverage
Figure out which systems and appliances 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 get a plan that only covers 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 generally only cover breakdowns from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies will also not cover cosmetic issues or appliance components, theft, routine maintenance, or defects. Providers outline limitations and exclusions within their service contracts. Make sure you read yours carefully to fully understand your plan's terms and conditions.
Provider Reputation
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. Customer reviews can show you how providers handle claims and customer service. 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 where and how it sources technicians—reputable companies should always use licensed and registered contractors. Select a provider that mentions the names of familiar contractors. Residents of rural areas might consider home warranties that allow the customer to choose their technician. You'll want to be able to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Sarasota
Do I need a home warranty in Sarasota?
What are preexisting conditions?
What is Sarasota'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 long does a home warranty typically last?
To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.