Are Home Warranties Worth It for Biloxi Residents?
Home warranties are worth it for Biloxi residents. Biloxi summers are very hot, which makes it extremely important that your air conditioner works well. However, this system can malfunction over time from heavy use.
Biloxi 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. Home warranties, on the other hand, come in at only $644–$737 a year, based on 120 quotes we received from home warranty companies nationwide.
The frequent rain in Biloxi can damage your roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Finally, 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 every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you select the best home warranty plan for your needs.
Cost
We pulled 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 each time 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 get add-on coverage options, but this will increase your monthly cost—consider your specific needs before choosing a plan.
Coverage
Figure out which appliances and systems you use most often. Most home warranty providers offer customizable coverage tailored to your needs. If you only need coverage for select systems, such as your air conditioner, most providers offer systems-only plans. The same is true if you only need coverage for 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 only cover breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, theft, routine maintenance, or defects aren't covered either. Providers outline exclusions and limitations with their service contracts. We recommend reading it to understand your plan's specific terms and conditions.
Provider Reputation
Consider a provider's reputation before committing to a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Best Company, Trustpilot, and Google Reviews. These reviews can give you an idea of how companies handle claims and customer service. Check with the Mississippi Consumer Protection Division to verify that a provider holds a valid state license.
Contractor Network
Take into account a home warranty company's service provider network. Any provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company how and where it sources technicians. If you can, use a provider that mentions the names of familiar service contractors. Rural homeowners might consider choosing a home warranty provider that lets customers select their technicians. It's good to have the option to source your own providers if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Biloxi
Is a home warranty required in Biloxi?
What are preexisting conditions?
What is the best home warranty provider in Biloxi?
Can I get a home warranty that covers 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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