Are Home Warranties Worth It for Copperas Cove Residents?
Home warranties are worth it for Copperas Cove residents. Copperas Cove experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioner can malfunction over time from heavy use.
Copperas Cove has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. Home warranties are comparatively cheaper at only $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.
The regular rain in Copperas Cove can damage your roof. The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Lastly, 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. When life keeps you busy, your home warranty provider can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when picking the right home warranty plan for you.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 monthly. Additionally, you'll 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
You can often find home warranty plans that cover specific systems and appliances. Decide whether you want coverage for major systems (like air conditioning), specific appliances, or for both. Then ask your provider about its options for customized coverage. 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
Usually, home warranties don't cover improper installation or preexisting conditions. Most policies only cover damage from normal wear and tear. Most will also exclude cosmetic issues or appliance components, defects, routine maintenance, or theft. Each provider will outline its exclusions and limitations in your service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another key factor to consider. You can browse customer reviews on sites such as Google Reviews, Best Company, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can give you 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. Reliable home warranty providers source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. We recommend picking a provider that mentions service contractors you're familiar with. Homeowners in rural areas may prefer home warranty policies that allow you to choose your technician. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Copperas Cove
Do I need a home warranty in Copperas Cove?
What are preexisting conditions?
What is Copperas Cove's best home warranty provider?
Do home warranties cover 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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