Are Home Warranties Worth It for Haltom City Residents?
Yes, home warranties are worth it for Haltom City residents. Haltom City 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.
Haltom City 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 requested from home warranty companies nationwide. The regular rain in Haltom City can cause damage to your home's roof.
Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, home warranties connect you with reliable service providers. Reputable home warranty companies vet all their service providers.
If you don't have time to do the research yourself, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you choose the best home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home. From this we determined that home warranties cost an average of $53–$62 per month. You'll also pay a service call fee of roughly $65–$125 whenever you file a claim. A basic home warranty is generally more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly cost. Consider your specific needs before choosing a plan.
Coverage
You can often find home warranty plans that cover specific appliances and systems. Determine whether you need coverage for major systems (such as air conditioning), specific appliances, or for both. Then ask your provider what its options are 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
Most home warranties cover only normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude cosmetic issues or appliance components, theft, defects, or routine maintenance. Your provider will outline its exclusions and limitations in its service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Provider Reputation
Carefully consider a provider's reputation before deciding on a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Google Reviews, Trustpilot, and Best Company. Reading these reviews gives you an idea of how companies handle claims and customer service. Check with the Texas Attorney General to verify a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Your provider should always send licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. Choose 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 Haltom City
Is a home warranty required in Haltom City?
What are preexisting conditions?
What is Haltom City'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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