Are Home Warranties Worth It for Columbia Residents?
Home warranties are worth it for Columbia residents. Columbia summers are very hot, which makes it very important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.
Columbia winters are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we requested from home warranty companies across the nation.
Columbia's heavy rain can cause damage to your home's roof. Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, a home warranty connects you with service providers you can trust.
Investing in a reputable home warranty company is worth it because companies vet their technicians. If you don't have time to do the research yourself, your home warranty provider can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider the following factors when selecting the best home warranty for your needs.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost approximately $53–$62 monthly. You'll also pay a service call fee each time you file a claim. Service call fees typically range from $65–$125 per claim. Basic home warranty plans are more affordable than comprehensive ones. Appliance plans are typically less expensive than home systems coverage plans. Most plans give you the option of getting add-on coverage options for an additional monthly fee. Consider your particular needs before committing to a plan.
Coverage
You can look for a home warranty plan that covers specific appliances and systems. Determine whether you want coverage for major systems (like air conditioning), specific appliances, or for 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
Most home warranties cover only normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude 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 ensure you understand the terms and conditions of your plan.
Provider Reputation
Also, consider provider reputation. You can also browse real customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. Ratings and reviews can show how a company handles customer service and claims. Check with the Tennessee Division of Consumer Affairs to verify that a provider holds a valid state license.
Contractor Network
Take into account a home warranty company's service provider network. Reliable home warranty companies source licensed and registered contractors to fulfill service requests. We suggest asking a provider how and where it sources technicians. Select a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so you'll need the option to source your own.
Frequently Asked Questions About Home Warranty in Columbia
Do I need a home warranty in Columbia?
What are preexisting conditions?
What is Columbia'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 long does a home warranty typically last?
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