Are Home Warranties Worth It for Sumter Residents?
Yes, home warranties are worth it for Sumter residents. Summers in Sumter are very hot, which makes it very important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.
Sumter winters are fairly mild, but you still want a reliable heating system. HVAC system replacement can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. The frequent rain in Sumter can damage your roof.
The cost of repairs will be lower if your home warranty has roof-leak coverage. Lastly, home warranties connect you with trustworthy service providers. When life is keeping you busy, you want to know that a reliable technician is handling your repairs.
Reputable home warranty companies vet every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when selecting your home warranty plan.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost approximately $53–$62 per month. You'll also pay service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options increase your monthly price, so consider your specific needs before purchasing a plan.
Coverage
Determine which systems and appliances you use most frequently. Most home warranties offer custom coverage tailored to your needs. If you only want coverage for select systems, such as 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 normal wear and tear, which excludes improper installation and preexisting conditions. Most policies also exclude cosmetic issues or appliance components, defects, theft, or routine maintenance. A provider will outline its exclusions and limitations in your service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another key factor to consider. You can read customer reviews on sites like Trustpilot, Best Company, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can give you insight into how a company handles claims and customer service. 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 network of service providers. Trustworthy home warranty providers source licensed and registered contractors to handle service requests. We suggest asking a provider where and how it sources technicians. Select a provider that mentions service contractors you're familiar with. Rural homeowners may prefer home warranty policies that allow you to choose your technician. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Sumter
Is a home warranty required in Sumter?
What are preexisting conditions?
What is Sumter's best home warranty provider?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How can I maximize the value of my home warranty?
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