Are Home Warranties Worth It for Brownsville Residents?
Home warranties are worth it for Brownsville residents. Brownsville summers are very hot, which makes it very important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.
Brownsville winters 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, on the other hand, run about $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
Even the infrequent rain in Brownsville can damage your roof. The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. 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
These key factors can help you select the best 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 per month. You'll also pay a service call fee whenever you file a claim. These fees 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 cost. Consider your particular needs before choosing a plan.
Coverage
Many home warranty companies offer plans for select appliances or systems. Figure out which systems and appliances you use most often before selecting a plan. If you only want to cover certain major systems (like air conditioning) or specific appliances, you can find a plan that meets your needs. 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
Most home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. In addition, home warranties don't cover cosmetic issues or appliance components, routine maintenance, defects, or theft. Providers outline limitations and exclusions in their service contracts. We recommend reading carefully to fully understand the terms and conditions of your plan.
Provider Reputation
Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Google Reviews, Best Company, and Trustpilot. Looking at reviews can give you a sense of how companies handle 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 network of service providers. Make sure you ask your provider where and how it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. Choose a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider a home warranty that allows you to choose your technician. You may not have any in-network service providers in your area, so you'll need the option to source your own.
Frequently Asked Questions About Home Warranty in Brownsville
Do I need a home warranty in Brownsville?
What are preexisting conditions?
What is Brownsville'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 can I maximize the value of my home warranty?
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