Are Home Warranties Worth It for Hilton Head Island Residents?
Yes, home warranties are worth it for Hilton Head Island residents. Summers in Hilton Head Island are very hot, which makes it very important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.
Winters in Hilton Head Island 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, on the other hand, run about $644–$737 annually, based on 120 quotes we requested from home warranty companies nationwide.
Hilton Head Island's heavy rain can cause damage to your home's roof. Some home warranty companies offer limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, home warranties connect you with reliable 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 a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when picking the best home warranty plan for you.
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 each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans tend to be 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 specific needs before choosing a plan.
Coverage
Determine the systems and appliances you use most often. Most home warranty providers offer customizable coverage tailored to your needs. If you only want coverage for select systems, like your air conditioner, most providers offer systems-only plans. The same is true if you only want coverage for select appliances. 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 breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. In addition, home warranties don't cover appliance components or cosmetic issues, routine maintenance, theft, or defects. Providers outline their exclusions and limitations in their service contracts. Thoroughly read your contract to make sure you understand your plan's terms and conditions.
Provider Reputation
Carefully consider a provider's reputation before deciding on a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. These reviews can give you an idea of how providers handle customer service and claims. 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. Make sure you ask your provider where and how it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. Choose a provider that mentions service contractors you're familiar with. Residents of rural areas should consider a home warranty policy that allows the customer to choose their technician. Rural areas may not have any in-network service providers available, and customers may need to source their own.
Frequently Asked Questions About Home Warranty in Hilton Head Island
Do I need a home warranty in Hilton Head Island?
What are preexisting conditions?
What is Hilton Head Island's best home warranty provider?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How do I file a claim with my home warranty provider?
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