Are Home Warranties Worth It for Gainesville Residents?
Home warranties are worth it for Gainesville residents. Gainesville summers 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.
Gainesville winters 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 requested from home warranty companies nationwide.
Gainesville's heavy rain can damage your home's roof. Some home warranty companies offer limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, 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 ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when choosing the right home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of roughly $65–$125 every time you file a claim. Basic home warranty plans are more affordable than comprehensive ones. Appliance plans are typically less expensive than home systems coverage plans. Most plans give you the option of getting add-on coverage options for an additional monthly cost. Consider your specific needs before committing to a plan.
Coverage
You can look for a home warranty plan that covers specific appliances and systems. Determine whether you want coverage for major systems (like air conditioning), specific appliances, or for both. Then ask your provider about its options for customized coverage. 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
Typically, home warranties don't cover preexisting conditions or improper installation. Most policies only cover normal wear and tear. Most also exclude cosmetic issues or appliance components, routine maintenance, theft, or defects. Providers will outline exclusions and limitations in their service contracts. Read your contract thoroughly to ensure you understand the terms and conditions of your plan.
Provider Reputation
Provider reputation is another key factor to consider. You can find customer reviews on sites such as Best Company, Trustpilot, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can provide insight into how a company handles claims and customer service. Check with the Georgia Consumer Protection Division to verify a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Trustworthy home warranty providers source licensed and registered contractors to fulfill service requests. We suggest asking a provider how and where it sources technicians. Select a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider choosing a home warranty that lets them select their technician. There may be no in-network service providers available in these areas, and customers may need to source their own.
Frequently Asked Questions About Home Warranty in Gainesville
Is a home warranty required in Gainesville?
What are preexisting conditions?
What is Gainesville'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 do I file a claim with my home warranty provider?
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