Are Home Warranties Worth It for Edinburg Residents?
Yes, home warranties are worth it for Edinburg residents. Edinburg summers are very hot, which makes it extremely important that your air conditioner works well. However, this system can malfunction over time from heavy use.
Edinburg 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. A home warranty plan is comparatively cheaper, only $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.
Even Edinburg's irregular rain can affect your roof. Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Lastly, 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 all their service providers.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you choose the right home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. Additionally, you'll pay a service call fee of between $65–$125 whenever you file a claim. Basic home warranty plans generally cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options increase your monthly price, so consider your particular needs before purchasing a plan.
Coverage
Figure out which appliances and systems you use most often. You want your home warranty plan to cover these items. Most plans can be customized to your needs, and many companies offer systems-only plans for homeowners that only need select coverage (such as for air conditioning). You can also get a plan that only covers select 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
Usually, home warranties only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, theft, routine maintenance, or defects are also not covered. Providers outline their exclusions and limitations in their service contracts. Thoroughly read your contract to make sure you understand the terms and conditions of your plan.
Provider Reputation
Carefully consider a provider's reputation before choosing a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites like Best Company, Trustpilot, and Google Reviews. Reading these reviews gives you an idea of how companies handle 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. Ask your provider how and where it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. 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 Edinburg
Do I need a home warranty in Edinburg?
What are preexisting conditions?
What is Edinburg'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 do I file a claim with my home warranty provider?
To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.