Are Home Warranties Worth It for Allen Residents?
Yes, home warranties are worth it for Allen residents. Allen 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 Allen are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.
Allen's regular rain showers can also affect your home's roof. Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Finally, your home warranty will connect you with service providers you can trust.
Investing in a reputable home warranty company is worth it because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when selecting the right home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You'll also pay a service call fee of between $65–$125 each time you file a claim. Comprehensive home warranty plans generally cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Consider your specific needs before choosing a plan, as add-on coverage options will raise the monthly price.
Coverage
Figure out which appliances and systems you use most often. You'll want a home warranty plan that covers these items. Most plans can be tailored to your needs, and many companies offer systems-only plans for those who only need select coverage (such as for air conditioning). You can also find plans that cover only 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
Generally, home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, defects, theft, or routine maintenance are also not covered. Providers outline exclusions and limitations with their service contracts. Make sure you read it and understand your protection plan's specific terms and conditions.
Provider Reputation
Provider reputation is another key factor to consider. You can find real customer reviews on sites such as Google Reviews, Best Company, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can provide insight into how a company handles customer service and claims. Check with the Texas Attorney General to verify that a provider holds a license with the state.
Contractor Network
Consider a home warranty company's service provider network. Ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. We recommend picking a provider that mentions the names of familiar contractors. Residents of rural areas might consider choosing a home warranty that lets them pick their technicians. It's important to have the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in Allen
Is a home warranty required in Allen?
What are preexisting conditions?
What is the best home warranty provider in Allen?
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 can I maximize the value of my home warranty?
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