Are Home Warranties Worth It for Mount Pleasant Residents?
Home warranties are worth it for Mount Pleasant residents. Mount Pleasant summers are very hot, which makes it very important to have a reliable air conditioner. However, over time this system can malfunction from heavy use.
Mount Pleasant 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.
Mount Pleasant's heavy rain can also affect your home's roof. Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair. Finally, a home warranty connects you with trustworthy service providers.
A reputable home warranty is a good investment because companies vet their technicians. When life keeps you busy, your home warranty company can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when picking the best home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and discovered that the average home warranty costs between $53–$62 per month. You also have to pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans generally cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options raise the monthly cost, so consider your specific needs before purchasing a plan.
Coverage
You can often find home warranty plans that cover specific appliances and systems. Decide whether you need coverage for major systems (like air conditioning), specific appliances, or both. Then ask your provider what its options are for customized coverage. 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
Home warranties usually only cover breakdowns from normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover cosmetic issues or appliance components, theft, routine maintenance, or defects. Providers outline their exclusions and limitations in their service contracts. Read your contract thoroughly to make sure you understand the terms and conditions of your plan.
Provider Reputation
Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Google Reviews, Best Company, and Trustpilot. Looking at reviews can give you a sense of how companies handle customer service and claims. Check with the South Carolina Department of Consumer Affairs to verify that a provider holds a license with the state.
Contractor Network
Consider a home warranty company's service provider network. Make sure to ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. We recommend picking a provider that mentions contractors you're familiar with. Those residing in rural areas should consider a home warranty policy that lets them choose their technician. You may not have any in-network service providers in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in Mount Pleasant
Is a home warranty required in Mount Pleasant?
What are preexisting conditions?
What is the best home warranty provider in Mount Pleasant?
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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