Are Home Warranties Worth It for Gulfport Residents?
Home warranties are worth it for Gulfport residents. Gulfport summers are very hot, which makes it very important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.
Gulfport 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 requested from home warranty companies across the nation.
Gulfport's heavy rain can cause damage to your roof. Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, home warranties connect you with trusted service providers.
Reputable home warranty companies vet all their service providers. If life keeps you busy, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when selecting the right home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home. From this we determined that the average home warranty cost is $53–$62 per month. Additionally, you'll pay a service call fee of approximately $65–$125 whenever you file a claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before selecting a plan.
Coverage
Most home warranty companies can tailor a plan to your needs. Make a list of the appliances and systems that you use often and need coverage for. If you only want coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. 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
Usually, home warranties don't cover improper installation or preexisting conditions. Most policies only cover breakdowns from normal wear and tear. Most also exclude cosmetic issues or appliance components, defects, theft, or routine maintenance. Each provider outlines exclusions and limitations within its service contract. We recommend reading it to understand your plan's exact terms and conditions.
Provider Reputation
Carefully consider a provider's reputation before committing to a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites like Google Reviews, Best Company, and Trustpilot. Reading these reviews gives you an idea of how companies handle customer service and claims. Check with the Mississippi Consumer Protection Division to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's network of service providers. Make sure to ask where and how it sources technicians—reputable companies should always use licensed and registered contractors. If you can, use a provider that mentions the names of familiar contractors. Residents of rural areas may consider choosing a home warranty provider that lets customers pick their technicians. It's important 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 Gulfport
Do I need a home warranty in Gulfport?
What are preexisting conditions?
What is Gulfport's best home warranty provider?
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 can I maximize the value of my home warranty?
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