Are Home Warranties Worth It for Salisbury Residents?
Yes, home warranties are worth it for Salisbury residents. Salisbury experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioner may malfunction over time from heavy use.
Salisbury has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. Home warranties, on the other hand, come in at only $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.
Salisbury's regular rain showers can also affect your roof. Some home warranty companies offer limited roof-leak protection 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 all their service providers.
What To Consider Before Choosing a Home Warranty Company
Consider the following factors when selecting the right home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. Additionally, you'll pay a service call fee of roughly $65–$125 each time you file a claim. A basic home warranty is more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly cost. Consider your specific needs before committing to a plan.
Coverage
Figure out which appliances and systems you use the most. You'll want a home warranty plan that covers these items. Most home warranties can be tailored to your needs, and many companies offer systems-only plans for those who only need select coverage (such as for air conditioning). You can also get a plan that only covers select 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
Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude appliance components or cosmetic issues, theft, defects, or routine maintenance. You can read about your provider's exclusions and limitations in your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Provider Reputation
You should also consider a provider's reputation. You can also browse customer reviews on sites like Best Company, Google Reviews, and Trustpilot. Ratings and reviews can show you 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 should consider choosing a home warranty that lets them select their technician. There may be no in-network service providers available in these areas, and customers may need to source their own.
Frequently Asked Questions About Home Warranty in Salisbury
Is a home warranty required in Salisbury?
What are preexisting conditions?
What is Salisbury's best home warranty provider?
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 can I maximize the value of my home warranty?
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