Are Home Warranties Worth It for Apex Residents?
Home warranties are worth it for Apex residents. Apex experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioning system can malfunction over time from heavy use.
Winters in Apex are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
The regular rain in Apex can damage your home's roof. The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Finally, home warranties connect you with reliable service providers.
Reputable home warranty companies vet every service provider they use. If you're busy with work or other priorities, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Think about the following factors to determine the best home warranty for your needs.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 per month. Additionally, you'll pay a service call fee every time you file a claim. Service call fees typically range from $65–$125 per claim. Basic home warranty plans are typically more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know your specific needs before selecting a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Think about which appliances and systems you use often and would like coverage for. If you only need coverage for select systems or appliances (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
Typically, home warranties don't cover improper installation or preexisting conditions. Most policies will only cover damage from normal wear and tear. Most will also exclude cosmetic issues or appliance components, theft, defects, or routine maintenance. Each provider will outline its exclusions and limitations in your service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.
Provider Reputation
Also, consider provider reputation when making a decision. You can find customer reviews on sites like Trustpilot, Best Company, and Google Reviews or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to see how providers handle customer service and claims. Check with the North Carolina Attorney General to verify a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Your provider should always send licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. Choose a provider that mentions the names of familiar service contractors. Homeowners in rural areas might consider home warranties that allow the customer to choose their technician. You'll want to be able to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Apex
Do I need a home warranty in Apex?
What are preexisting conditions?
What is the best home warranty provider in Apex?
Can I get a home warranty that covers other types of home items?
Why do home warranties have a waiting period before coverage begins?
How is a home warranty different from homeowners insurance?
How long does a home warranty typically last?
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