Are Home Warranties Worth It for Hattiesburg Residents?
Home warranties are worth it for Hattiesburg residents. Hattiesburg 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.
Hattiesburg 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 are comparatively cheaper at only $644–$737 per year, based on 120 quotes we requested from home warranty companies across the nation.
Hattiesburg's heavy rain can cause damage to your home's roof. Some home warranty companies offer limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, home warranties connect you with reliable service providers.
Reputable home warranty companies vet each service provider they work with. If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when determining the right home warranty plan for you.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost approximately $53–$62 per month. There are also service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Appliance plans are typically less expensive than home systems coverage plans. Most plans offer add-on coverage options for an additional monthly cost. Consider your particular needs before purchasing a plan.
Coverage
Figure out which systems and appliances you use the most. Most home warranties offer customizable coverage tailored to your needs. If you only want coverage for certain systems, like your air conditioner, most companies offer systems-only plans. The same is true if you only need coverage for certain 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
Typically, home warranties only cover damage from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, appliance components or cosmetic issues, theft, routine maintenance, or defects aren't covered either. You can read about 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
Provider reputation is another key factor to consider. You can read customer reviews on sites such as Google Reviews, Best Company, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can provide insight into how a company handles claims and customer service. 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 service provider network. Make sure to ask where and how it sources technicians—reputable companies should always use licensed and registered contractors. Choose a provider that mentions the names of familiar contractors. Residents of rural areas might 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 Hattiesburg
Is a home warranty required in Hattiesburg?
What are preexisting conditions?
What is the best home warranty provider in Hattiesburg?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How long does a home warranty typically last?
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