Are Home Warranties Worth It for Summerville Residents?
Home warranties are worth it for Summerville residents. Summerville summers are very hot, which makes it very important for your air conditioner to work properly. However, this system can malfunction over time from heavy use.
Summerville has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of replacing your HVAC system can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 per year, based on 120 quotes we requested from home warranty companies across the nation.
Summerville's heavy rain can damage your roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. 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 choosing your home warranty plan.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. There are also service call fees whenever you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranty plans generally cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as getting add-on coverage options will raise the monthly price.
Coverage
You can look for a home warranty plan that covers specific appliances and systems. Decide whether you want coverage for major systems (like air conditioning), specific appliances, or both. Then ask your provider what its options are for customized coverage. 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
Usually, home warranties don't cover improper installation or preexisting conditions. Most policies will only cover normal wear and tear. Most will also exclude appliance components or cosmetic issues, theft, routine maintenance, or defects. Providers outline exclusions and limitations with their service contracts. Make sure you read it and understand your plan's specific terms and conditions.
Provider Reputation
Also, consider provider reputation when making a decision. You can find customer reviews on sites like Best Company, Trustpilot, and Google Reviews or look at a company's Better Business Bureau (BBB) rating. Ratings and reviews are a great way to learn how providers handle claims and customer service. Check with the South Carolina Department of Consumer Affairs to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. Choose a provider that mentions contractors you're familiar with. Rural homeowners may prefer home warranty policies that allow you to choose your technician. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Summerville
Do I need a home warranty in Summerville?
What are preexisting conditions?
What is Summerville'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?
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