Are Home Warranties Worth It for Rocky Mount Residents?
Yes, home warranties are worth it for Rocky Mount residents. Summers in Rocky Mount are very hot, which makes it extremely important that your air conditioner is working well. However, over time this system can malfunction from heavy use.
Rocky Mount winters are fairly mild, but you still want a reliable heating system. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies across the nation. Rocky Mount's regular rain showers can also affect your roof.
Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Finally, home warranties connect you with trustworthy service providers. When life is keeping you busy, you want to know that a reliable technician is handling your repairs.
Reputable home warranty companies vet every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Think about 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. From this we determined that the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of approximately $65–$125 each time you file a claim. Basic home warranty plans are more affordable than comprehensive ones. Home systems coverage plans will cost more than appliance plans. Most plans give you the option of getting add-on coverage options for an additional monthly fee. Consider your particular needs before committing to a plan.
Coverage
Many home warranty providers offer systems-only plans or plans for select appliances. Determine which appliances and systems you use most often before choosing a plan. If you only need to cover certain major systems (like air conditioning) or specific appliances, you can find a plan that meets your needs. 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
Home warranties generally only cover breakdowns from normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies will also not cover appliance components or cosmetic issues, routine maintenance, defects, or theft. You can find your provider's exclusions and limitations in your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Provider Reputation
Consider a provider's reputation before deciding on a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. These reviews can give you an idea of how providers handle customer service and claims. Check with the North Carolina Attorney General to verify a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Companies should always send licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. We recommend picking a provider that mentions service contractors you're familiar with. Rural homeowners might prefer home warranty policies that allow customers to choose their technicians. There may not be any in-network service providers in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Rocky Mount
Is a home warranty required in Rocky Mount?
What are preexisting conditions?
What is Rocky Mount's best home warranty provider?
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?
How do I file a claim with my home warranty provider?
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