Are Home Warranties Worth It for DeSoto Residents?
Yes, home warranties are worth it for DeSoto residents. DeSoto summers are very hot, which makes it extremely important that your air conditioner is working well. However, this system can malfunction over time from heavy use.
DeSoto winters are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
The regular rain in DeSoto can cause damage to your home's roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, home warranties connect you with reliable technicians.
When work and other priorities keep you busy, you want to know a trustworthy service provider 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 right home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. There are also service call fees that apply whenever you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranty plans typically cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Consider your specific needs before choosing a plan, as getting add-on coverage options will increase your monthly price.
Coverage
Most home warranties can be somewhat customized to your needs. Make a list of the appliances and systems that you use often and want covered. If you only want coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. 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 don't cover improper installation or preexisting conditions. Most policies only cover breakdowns from normal wear and tear. Most will also exclude appliance components or cosmetic issues, routine maintenance, theft, or defects. Each provider outlines exclusions and limitations within its service contract. Make sure you read it and understand your plan's specific terms and conditions.
Provider Reputation
Consider a provider's reputation before choosing a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. Reading these reviews gives you an idea of how providers handle customer service and claims. Check with the Texas Attorney General to verify a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Trustworthy home warranty providers source licensed and registered contractors to fulfill service requests. We suggest asking a provider where and how it sources technicians. Select 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. In-network service providers may not be available in your area, so you want the option to source your own.
Frequently Asked Questions About Home Warranty in DeSoto
Do I need a home warranty in DeSoto?
What are preexisting conditions?
What is the best home warranty provider in DeSoto?
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 long does a home warranty typically last?
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