Are Home Warranties Worth It for Killeen Residents?
Home warranties are worth it for Killeen residents. Killeen experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioner may malfunction over time from heavy use.
Killeen winters are fairly mild, but you still want a reliable heating system. HVAC system replacement can cost between $2,500 and $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. The regular rain in Killeen can damage your roof.
The financial burden of this will be lessened if your home warranty has roof-leak coverage. Lastly, your home warranty will connect you with trustworthy service providers. A reputable home warranty is a good investment because companies vet their technicians.
If you're focused on work or other priorities, your home warranty provider can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors to determine the best home warranty for your needs.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost approximately $53–$62 a month. You'll also pay a service call fee every time you file a claim. These fees typically range from $65–$125 per claim. Basic home warranty plans are more affordable than comprehensive ones. Home systems coverage plans will cost more than appliance plans. With most plans, you can get add-on coverage options for an additional monthly fee. Consider your particular needs before choosing a plan.
Coverage
Many home warranty providers offer systems-only plans or plans for select appliances. Figure out which appliances and systems you use most often before committing to a plan. If you only want to cover certain major systems (such as air conditioning) or specific appliances, you can find a plan that meets your needs. 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 only cover normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers will outline exclusions and limitations in their service contracts. Thoroughly read your contract to ensure you understand the terms and conditions of your plan.
Provider Reputation
Also, consider provider reputation when choosing a plan. You can find customer reviews on sites like Trustpilot, Google Reviews, and Best Company or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to see how providers handle customer service and claims. Check with the Texas Attorney General to verify a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. Select a provider that mentions contractors you're familiar with. Rural homeowners may consider choosing a home warranty provider that lets customers select their technicians. You'll want the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in Killeen
Is a home warranty required in Killeen?
What are preexisting conditions?
What is Killeen's best home warranty provider?
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 can I maximize the value of my home warranty?
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