Are Home Warranties Worth It for Titusville Residents?
Home warranties are worth it for Titusville residents. Titusville experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioner may malfunction over time from heavy use.
Winters in Titusville are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we requested from home warranty companies across the nation.
Titusville's heavy rain can damage your home's roof. Some home warranty providers offer limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, a home warranty connects you with trustworthy service providers.
Investing in a reputable home warranty company is worth it because companies vet their technicians. When life keeps you busy, 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 these important factors when choosing the best home warranty plan for you.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost approximately $53–$62 monthly. Additionally, you'll pay a service call fee each time you file a claim. These fees typically range from $65–$125 per claim. Basic home warranty plans are typically more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know what you need before selecting a plan.
Coverage
Figure out which appliances and systems you use most often. You want your home warranty plan to cover these items. Most home warranties can be customized to your needs, and many companies offer systems-only plans for homeowners that only need select coverage (such as for air conditioning). You can also find plans that cover only 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
Usually, home warranties only cover breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, appliance components or cosmetic issues, routine maintenance, defects, or theft aren't covered either. You can find your provider's exclusions and limitations within your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Provider Reputation
Carefully consider a provider's reputation before choosing a plan. Check its Better Business Bureau rating. Also read customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. These reviews can give you an idea of how providers handle customer service and claims. Check with the Florida Division of Consumer Services to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's service provider network. Be sure to ask your company how and where it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. If you can, use a provider that mentions the names of familiar service contractors. Rural homeowners might opt for a home warranty that allows them 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 Titusville
Is a home warranty required in Titusville?
What are preexisting conditions?
What is the best home warranty provider in Titusville?
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 long does a home warranty typically last?
How do I file a claim with my home warranty provider?
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