Best 7 Home Warranty Companies in McKinney, TX

Are Home Warranties Worth It for McKinney Residents?

Home warranties are worth it for McKinney residents. Summers in McKinney are very hot, which makes it very important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.

Winters in McKinney 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 received from home warranty companies nationwide.

The regular rain in McKinney can cause damage to your home's roof. Some home warranty companies offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, home warranties connect you with reliable technicians.

When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet every service provider they work with.

What To Consider Before Choosing a Home Warranty Company

Consider these important factors when picking your home warranty plan.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost roughly $53–$62 per month. You'll also pay service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Appliance plans are typically less costly than home systems coverage 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

Many home warranty companies offer plans for select appliances or systems. Figure out which appliances and systems you use the most before selecting a plan. If you only need to cover certain major systems (like air conditioning) or certain appliances, you can find a plan that meets your needs. The following 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 breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. In addition, home warranties don't cover appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers outline exclusions and limitations in their service contracts. We recommend reading carefully to fully understand your plan's terms and conditions.

Provider Reputation

Also, consider a provider's reputation. You can also read real customer reviews on sites like Google Reviews, Best Company, and Trustpilot. Reviews and ratings can show 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. Trustworthy home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. Choose a provider that mentions service contractors you're familiar with. Rural homeowners may opt for a home warranty that allows them to choose their technician. You'll want to be able to source your own provider if no in-network ones are available in your area.