Are Home Warranties Worth It for Rock Hill Residents?
Yes, home warranties are worth it for Rock Hill residents. Rock Hill experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioner may malfunction over time from heavy use.
Rock Hill winters 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 across the nation.
Rock Hill's regular rain showers can also affect your home's roof. Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Finally, your home warranty will connect you with service providers you can trust.
A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these important 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 an average of $53–$62 per month. There are also service call fees each time you file a claim. These fees range from $65–$125 per claim. A basic home warranty will be more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. With most plans, you can get add-on coverage options for an additional monthly fee. Consider your specific needs before purchasing a plan.
Coverage
Determine which appliances and systems you use most frequently. Most home warranty plans offer custom coverage tailored to your needs. If you only want coverage for select systems, like your air conditioner, most companies offer systems-only plans. The same is true if you only need coverage for certain 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
Generally, home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, routine maintenance, defects, or theft are also not covered. Providers outline limitations and exclusions within their service contracts. Make sure you read yours carefully to fully understand your plan's terms and conditions.
Provider Reputation
Also, consider a provider's reputation when choosing a plan. You can find customer reviews on sites such as Google Reviews, Trustpilot, and Best Company or look at a company's rating with the Better Business Bureau (BBB). Ratings and reviews are a great way to learn how providers 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
Take into account a home warranty company's service provider network. Your company should always use licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. We recommend picking a provider that mentions the names of familiar service contractors. Rural homeowners should consider going with a home warranty provider that customers choose their technician. There may be no in-network service providers available in these areas, so customers may need to source their own.
Frequently Asked Questions About Home Warranty in Rock Hill
Is a home warranty required in Rock Hill?
What are preexisting conditions?
What is Rock Hill'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 long does a home warranty typically last?
How do I file a claim with my home warranty provider?
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