Are Home Warranties Worth It for Baytown Residents?
Home warranties are worth it for Baytown residents. Baytown summers are very hot, which makes it very important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.
Winters in Baytown 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. Baytown's heavy rain can damage your roof.
Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, a home warranty connects you with trustworthy service providers. Investing in a reputable home warranty company is worth it because companies vet their technicians.
When life keeps you busy, your home warranty company can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you select the right home warranty plan for your needs.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost an average of $53–$62 monthly. Additionally, you'll pay a service call fee whenever you file a claim. These fees can range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Appliance plans are typically less costly than home systems coverage plans. Most plans give you the option of getting add-on coverage options for an additional monthly fee. Consider your particular needs before choosing a plan.
Coverage
Figure out which systems and appliances you use the most. You'll want a home warranty plan that covers these items. Most home warranties can be customized 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 get a plan that only covers 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
Generally, home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, theft, routine maintenance, or defects are also not covered. Providers outline limitations and exclusions with their service contracts. We recommend reading it to understand your plan's exact terms and conditions.
Provider Reputation
Provider reputation is another key factor to consider. You can browse real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can provide insight into how a company handles claims and customer service. Check with the Texas Attorney General to verify that a provider holds a license with the state.
Contractor Network
Take into account a home warranty company's network of service providers. Your company should always use licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. If you can, use a provider that mentions service contractors you're familiar with. Rural homeowners should consider a home warranty policy that allows the customer to choose their technician. Rural areas may not have any in-network service providers available, and customers might need to source their own.
Frequently Asked Questions About Home Warranty in Baytown
Is a home warranty required in Baytown?
What are preexisting conditions?
What is the best home warranty provider in Baytown?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How do I file a claim with my home warranty provider?
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