Are Home Warranties Worth It for St. Petersburg Residents?
Home warranties are worth it for St. Petersburg residents. Summers in St. Petersburg are very hot, which makes it extremely important that your air conditioner is working well. However, over time this system can malfunction from heavy use.
St. Petersburg 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, on the other hand, run about $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
The frequent rain in St. Petersburg can damage your roof. The cost of repairs will be lower if your home warranty has roof-leak coverage. Finally, home warranties connect you with trustworthy service providers.
Reputable home warranty companies vet every service provider they use. If you don't have time to do the research yourself, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when picking the best home warranty plan for you.
We requested 120 quotes for a 2,000-square-foot, single-family home and discovered 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. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before choosing a plan.
You can look for a home warranty plan that covers specific systems and appliances. Determine whether you want coverage for major systems (such as air conditioning), specific appliances, or for both. Then ask your provider what its options are for customized coverage. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Typically, home warranties don't cover preexisting conditions or improper installation. Most policies will only cover normal wear and tear. Most will also exclude cosmetic issues or appliance components, defects, routine maintenance, or theft. Each provider will outline its limitations and exclusions in its service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.
Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. 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.
Consider a home warranty company's service provider network. Ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. Choose a provider that mentions the names of familiar contractors. Homeowners in rural areas should consider a home warranty that allows you to choose your technician. You may not have any in-network service providers in your area, so you want the option to source your own.
Frequently Asked Questions About Home Warranty in St. Petersburg
Do I need a home warranty in St. Petersburg?
What are preexisting conditions?
What is St. Petersburg's best home warranty provider?
Can I get a home warranty that covers other types of home items?
Why do home warranties have a waiting period before 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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