Are Home Warranties Worth It for Gallatin Residents?
Home warranties are worth it for Gallatin residents. Gallatin summers can get hot, which makes it important for your air conditioner to work properly. However, this system can malfunction over time from heavy use.
Gallatin winters are fairly mild, but you still want a reliable heating system. Replacing your HVAC system can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies across the nation. Gallatin's heavy rain can also affect your roof.
Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair. Lastly, 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.
When life keeps you busy, your home warranty provider can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when picking the right home warranty plan for you.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home. From this we determined that home warranties cost an average of $53–$62 per month. Additionally, you'll pay a service call fee of roughly $65–$125 each time you file a claim. A basic home warranty is generally more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly cost. Consider your particular needs before purchasing a plan.
Coverage
Determine which systems and appliances you use most often. Most home warranty plans offer customizable coverage tailored to your needs. If you only want coverage for certain systems, such as your air conditioner, most companies offer systems-only plans. The same is true if you only want coverage for certain 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
Usually, home warranties don't cover preexisting conditions or improper installation. Most policies only cover breakdowns from normal wear and tear. Most will also exclude appliance components or cosmetic issues, routine maintenance, theft, or defects. You can read about your provider's limitations and exclusions within your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another key factor to consider. You can browse customer reviews on sites such as 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 customer service and claims. Check with the Tennessee Division 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. The company you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company how and where it sources technicians. If you can, use a provider that mentions the names of familiar service contractors. Homeowners in rural areas may prefer home warranty policies with the option to choose their technicians. 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 Gallatin
Is a home warranty required in Gallatin?
What are preexisting conditions?
What is Gallatin's best home warranty provider?
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 is a home warranty different from homeowners insurance?
How long does a home warranty typically last?
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