Are Home Warranties Worth It for Fort Worth Residents?
Home warranties are worth it for Fort Worth residents. Fort Worth summers are very hot, which makes it very important to have a reliable air conditioner. However, over time this system can malfunction from heavy use.
Fort Worth 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 between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 per year, based on 120 quotes we requested from home warranty companies across the nation.
The regular rain in Fort Worth can damage your roof. Some home warranty companies offer limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, home warranties connect you with trustworthy service providers.
Reputable home warranty companies vet each service provider they work with. If life keeps you busy, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when selecting your home warranty plan.
We requested 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. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before committing to a plan.
Most home warranty companies can tailor a plan to your needs. Make a list of the systems and appliances that you use often and need covered. If you only need coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Generally, home warranties don't cover preexisting conditions or improper installation. Most policies only cover breakdowns from normal wear and tear. Most also exclude appliance components or cosmetic issues, defects, routine maintenance, or theft. You can read about your provider's limitations and exclusions within your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. Looking at reviews can give you a sense of how providers handle customer service and claims. Check with the Texas Attorney General to verify that a provider holds a license with the state.
Take into account a home warranty company's network of service providers. Be sure to ask your company how and where it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. Choose a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider choosing a home warranty provider that lets customers select their technicians. It's important to have the option to source your own providers if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Fort Worth
Do I need a home warranty in Fort Worth?
What are preexisting conditions?
What is Fort Worth's best home warranty provider?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How long does a home warranty typically last?
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