Are Home Warranties Worth It for Abilene Residents?
Home warranties are worth it for Abilene residents. Abilene experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioner may malfunction over time from heavy use.
Winters in Abilene 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 coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. Even Abilene's irregular rain can affect your home's roof.
Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair. 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
These important factors can help you choose the right home warranty plan for your needs.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty costs between $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. A basic home warranty is generally more affordable than a comprehensive one. 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 specific needs before committing to a plan.
Coverage
Determine the systems and appliances you use the most. Most home warranties offer customizable coverage tailored to your needs. If you only need coverage for select systems, like your air conditioner, most providers offer systems-only plans. The same is true if you only want coverage for certain 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 generally only cover normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies will also not cover cosmetic issues or appliance components, routine maintenance, defects, or theft. Providers outline their limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand your plan's terms and conditions.
Provider Reputation
Also, consider provider reputation. You can also browse customer reviews on sites like Trustpilot, Google Reviews, and Best Company. Ratings and reviews can show how providers handle claims and customer service. Check with the Texas Attorney General to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Reputable home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider where and how it sources technicians. Choose a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider going with a home warranty provider that customers choose their technician. There may be no in-network service providers available in these areas, so customers might need to source their own.
Frequently Asked Questions About Home Warranty in Abilene
Do I need a home warranty in Abilene?
What are preexisting conditions?
What is Abilene's best home warranty provider?
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?
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