Are Home Warranties Worth It for Charleston Residents?
Yes, home warranties are worth it for Charleston residents. Summers in Charleston 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.
Winters in Charleston are fairly mild, but you still want a reliable heating system. Replacing your HVAC system can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. The frequent rain in Charleston can damage your roof.
The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Lastly, home warranties connect you with reliable technicians. When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs.
Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when determining the right home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost roughly $53–$62 per month. You'll also pay service call fees each time you file a claim. Service call fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before choosing a plan.
Coverage
Many home warranty providers offer plans for select appliances or systems. Determine which systems and appliances you use most often before selecting a plan. If you only need to cover certain major systems (such as 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 usually only cover normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover appliance components or cosmetic issues, theft, routine maintenance, or defects. Providers outline exclusions and limitations within their service contracts. We recommend reading carefully to fully understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another important factor to consider. You can read real 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 South Carolina Department of Consumer Affairs to verify a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. We recommend picking a provider that mentions contractors you're familiar with. Rural homeowners might consider choosing a home warranty that lets them select their technicians. It's good to have the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in Charleston
Do I need a home warranty in Charleston?
What are preexisting conditions?
What is the best home warranty provider in Charleston?
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 do I file a claim with my home warranty provider?
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