Are Home Warranties Worth It for Galveston Residents?
Home warranties are worth it for Galveston residents. Galveston experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioner may malfunction over time from heavy use.
Galveston winters are fairly mild, but you still want a reliable heating system. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies across the nation. Galveston's heavy rain can also affect your home's roof.
Some home warranty providers offer limited roof-leak coverage to financially assist with repair. 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 all their service providers.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you select the right home warranty plan for your needs.
We received 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost approximately $53–$62 per month. There are also service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before selecting a plan.
Determine which appliances and systems you use most frequently. Most home warranties offer custom coverage tailored to your needs. If you only want coverage for select systems, such as your air conditioner, most companies offer systems-only plans. The same is true if you only want coverage for certain appliances. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
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, theft, or defects. Each provider outlines exclusions and limitations within its service contract. Make sure you read it and understand your protection plan's exact terms and conditions.
Carefully consider a provider's reputation before purchasing a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites like Trustpilot, Google Reviews, and Best Company. These reviews can give you an idea of how companies handle customer service and claims. Check with the Texas Attorney General to verify that a provider holds a valid state license.
Consider a home warranty company's network of service providers. Ask your provider how and where it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. We recommend picking a provider that mentions service contractors you're familiar with. Residents of rural areas might prefer a home warranty that lets them choose their technician. You may need to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Galveston
Do I need a home warranty in Galveston?
What are preexisting conditions?
What is the best home warranty provider in Galveston?
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 is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
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