Are Home Warranties Worth It for Harlingen Residents?
Yes, home warranties are worth it for Harlingen residents. Harlingen experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioning system can malfunction over time from heavy use.
Winters in Harlingen are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.
Even Harlingen's irregular rain can affect your roof. Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Finally, a home warranty connects you with trustworthy service providers.
A reputable home warranty is a good investment because companies vet their technicians. If you don't have time to do the research yourself, your home warranty company can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you determine the best home warranty plan for your needs.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home. From this we determined that the average home warranty cost is $53–$62 per month. Additionally, you'll pay a service call fee of roughly $65–$125 whenever you file a claim. Basic home warranty plans are more affordable than comprehensive ones. Home systems coverage plans tend to cost more than appliance plans. Most plans give you the option of getting add-on coverage options for an additional monthly cost. Consider your particular needs before choosing a plan.
Coverage
You can often find home warranty plans that cover specific systems and appliances. Decide whether you want coverage for major systems (such as air conditioning), specific appliances, or for both. Then ask your provider about its options 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
Typically, home warranties don't cover preexisting conditions or improper installation. Most policies only cover breakdowns from normal wear and tear. Most will also exclude appliance components or cosmetic issues, defects, theft, or routine maintenance. Each provider outlines exclusions and limitations within its service contract. Make sure you read it and understand your plan's exact terms and conditions.
Provider Reputation
Consider a provider's reputation before selecting a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites like Google Reviews, Best Company, and Trustpilot. These reviews can give you an idea of how providers handle claims and customer service. Check with the Texas Attorney General to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Your company should always send licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. Select a provider that mentions the names of familiar service contractors. Residents of rural areas may prefer a home warranty that lets them choose their technician. You may need to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Harlingen
Is a home warranty required in Harlingen?
What are preexisting conditions?
What is Harlingen's best home warranty provider?
Can I get a home warranty that covers other types of home items?
Why do home warranties have a waiting period before coverage begins?
How is a home warranty different from homeowners insurance?
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