Are Home Warranties Worth It for Jackson Residents?
Yes, home warranties are worth it for Jackson residents. Jackson experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioner may malfunction over time from heavy use.
Winters in Jackson 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 requested from home warranty companies across the nation. The frequent rain in Jackson can damage your home's roof.
The cost of repairs will be lower if your home warranty has roof-leak coverage. Lastly, home warranties connect you with reliable service providers. Reputable home warranty companies vet each service provider they work with.
If you're busy with work or other priorities, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when picking the best 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. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before selecting a plan.
Coverage
Determine which appliances and systems you use the most. Most home warranty plans offer custom coverage tailored to your needs. If you only need coverage for certain systems, like your air conditioner, most companies offer systems-only plans. The same is true if you only need coverage for select 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
Home warranties typically only cover normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover appliance components or cosmetic issues, defects, routine maintenance, or theft. A provider will outline its exclusions and limitations in its service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.
Provider Reputation
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. Looking at reviews can show you how providers handle 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
Consider a home warranty company's network of service providers. Companies should always send licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. Select a provider that mentions service contractors you're familiar with. Rural homeowners might prefer a home warranty that lets them choose their technician. You may need to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Jackson
Is a home warranty required in Jackson?
What are preexisting conditions?
What is the best home warranty provider in Jackson?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
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