Are Home Warranties Worth It for Amarillo Residents?
Home warranties are worth it for Amarillo residents. Summers in Amarillo are very hot, which makes it very important to have a reliable air conditioner. However, over time this system can malfunction from heavy use.
Amarillo winters can be mild, but there are still 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.
Even in Amarillo, over time rain can damage your roof. Some home warranty companies offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, 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
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 determined that home warranties cost roughly $53–$62 per month. There are also service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. A basic home warranty is more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. With most plans, you can get add-on coverage options for an additional monthly fee. Consider your specific needs before choosing a plan.
Coverage
Figure out which systems and appliances you use most often. Most home warranty providers offer custom 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
Home warranties usually only cover damage from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover appliance components or cosmetic issues, routine maintenance, theft, or defects. You can read about your provider's limitations and exclusions within your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another key factor to consider. You can browse real customer reviews on sites such as Google Reviews, Trustpilot, and Best Company 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 valid state license.
Contractor Network
Consider a home warranty company's service provider network. Be sure to ask your company how and where it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. If you can, use a provider that mentions the names of familiar service contractors. Those residing in rural areas should consider a home warranty policy that lets them choose their technician. You may not have any in-network service providers in your area, so you want the option to source your own.
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Amarillo Home Warranties FAQ
Do I need a home warranty in Amarillo?
No, home warranties are not required in Amarillo. However, we still recommend purchasing a home warranty to help you maintain a budget to cover expensive system and appliance breakdowns. Home warranty providers also save you time by sourcing reputable technicians themselves.
What are preexisting conditions?
A preexisting condition is a breakdown or issue a home appliance or system experienced before your coverage began. Many providers don't cover preexisting conditions. You should purchase a home warranty policy while all your systems and appliances still work for full protection.
What is Amarillo's best home warranty provider?
The best home warranty in Amarillo depends on your specific needs. Liberty Home Guard is a solid choice if you require unique coverage. Consider American Home Shield for comprehensive coverage limits.
Can I get a home warranty that covers other types of home items?
Yes, home warranties cover many kinds of home items besides common systems and appliances. For example, home warranties cover septic systems, pools and spas, well pumps, stand-alone freezers, sump pumps, and more. Providers usually cover these items as add-ons. Check your provider's sample contract to see what add-ons are available.
Why is there a waiting period before my home warranty coverage begins?
Home warranty policies usually don't cover already broken items. Therefore, most home warranty providers have a 30-day waiting period before the start of coverage to ensure system and appliance breakdowns are from normal wear and tear rather than preexisting conditions.
How do I file a claim with my home warranty provider?
Filing a claim with your home warranty provider is generally simple. When one of your appliances or systems has an issue, reach out to your provider and provide information about the problem. You can typically do so on the phone or online. From there, your provider will arrange for a qualified contractor to visit your home, and you'll pay the service fee. The contractor will then assess and repair the problem.
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