Are Home Warranties Worth It for Atlanta Residents?
Yes, home warranties are worth it for Atlanta residents. Summers in Atlanta 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.
Winters in Atlanta 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 are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.
The frequent rain in Atlanta can damage your home's roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Lastly, a home warranty connects you with trustworthy service providers.
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 provider can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider the following factors to determine the right home warranty plan for your needs.
We received 120 quotes for a 2,000-square-foot, single-family home. From this we determined that home warranties cost an average of $53–$62 per month. Additionally, you'll pay a service call fee of between $65–$125 each time you file a claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Home systems coverage plans will cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly fee. Consider your specific needs before choosing a plan.
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 companies offer systems-only plans for homeowners that only want 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
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Most home warranties cover only normal wear and tear, which excludes improper installation and preexisting conditions. Most policies also exclude cosmetic issues or appliance components, theft, defects, or routine maintenance. Providers outline exclusions and limitations within their service contracts. Make sure you read yours carefully to fully understand your plan's terms and conditions.
Consider a provider's reputation before purchasing a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Google Reviews, Best Company, and Trustpilot. These reviews can give you an idea of how providers handle claims and customer service. Check with the Georgia Consumer Protection Division to verify the status of a provider's state license.
Consider a home warranty company's service provider network. Make sure to ask where and how it sources technicians—reputable providers should always use licensed and registered contractors. If you can, use a provider that mentions the names of familiar contractors. Rural homeowners might prefer home warranty policies that allow you to choose your technician. In-network service providers may be unavailable in these areas, so you'll want the option to choose your own.