Are Home Warranties Worth It for Spring Hill Residents?
Yes, home warranties are worth it for Spring Hill residents. Spring Hill experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioning system may malfunction over time from heavy use.
Spring Hill 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 anywhere from $2,500–$8,000. A home warranty plan is comparatively cheaper, only $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.
The frequent rain in Spring Hill can damage your roof. The financial burden of this will be lessened if your home warranty has roof-leak coverage. Lastly, home warranties connect you with reliable technicians.
When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you choose the best home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. There are also service call fees that apply whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Consider your specific needs before choosing a plan, as getting add-on coverage options will increase your monthly price.
Coverage
Figure out which systems and appliances you use most often. 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 get a plan that only covers select appliances. 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
Generally, home warranties don't cover improper installation or preexisting conditions. Most policies will only cover normal wear and tear. Most also exclude appliance components or cosmetic issues, routine maintenance, theft, or defects. Providers outline limitations and exclusions in their service contracts. Make sure you read yours carefully to fully understand the terms and conditions of your plan.
Provider Reputation
Also, consider provider reputation when making a decision. You can read customer reviews on sites such as Trustpilot, Google Reviews, and Best Company or look at a company's rating with the Better Business Bureau (BBB). Ratings and reviews are a great way to learn 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
Consider a home warranty company's network of service providers. Ask your company where and how it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. Select a provider that mentions service contractors you're familiar with. Those residing in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so you'll need the option to source your own.
Frequently Asked Questions About Home Warranty in Spring Hill
Is a home warranty required in Spring Hill?
What are preexisting conditions?
What is Spring Hill's best home warranty provider?
Do home warranties cover 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?
How do I file a claim with my home warranty provider?
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