Are Home Warranties Worth It for Huntersville Residents?
Home warranties are worth it for Huntersville residents. Huntersville experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioning system may malfunction over time from heavy use.
Winters in Huntersville 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 received from home warranty companies across the nation.
The regular rain in Huntersville can damage your roof. The cost of repairs will be lower if your home warranty has roof-leak coverage. Finally, home warranties connect you with trusted service providers.
Reputable home warranty companies vet every service provider they use. If you don't have time to do the research yourself, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when selecting your home warranty plan.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and discovered that the average home warranty costs between $53–$62 per month. There are also service call fees that apply 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 costly than home systems coverage plans. With most plans, you can get add-on coverage options for an additional monthly fee. Consider your specific needs before choosing a plan.
Coverage
You can look for a home warranty plan that covers specific systems and appliances. Decide whether you want coverage for major systems (such as air conditioning), specific appliances, or for both. Then ask your provider what its options are 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
Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude appliance components or cosmetic issues, routine maintenance, theft, or defects. A 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
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Customer reviews can give you a sense of how providers handle claims and customer service. Check with the North Carolina Attorney General to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's network of service providers. Reputable home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. If you can, use a provider that mentions the names of familiar service contractors. Rural homeowners might consider home warranties that allow the customer to choose their technician. You may need to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Huntersville
Do I need a home warranty in Huntersville?
What are preexisting conditions?
What is the best home warranty provider in Huntersville?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
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