Are Home Warranties Worth It for Missouri City Residents?
Yes, home warranties are worth it for Missouri City residents. Missouri City summers 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.
Missouri City has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of an HVAC system replacement can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 a year, based on 120 quotes we requested from home warranty companies nationwide.
Missouri City's heavy rain can damage your home's roof. Some home warranty providers offer limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, a home warranty connects you with trustworthy service providers.
Investing in a reputable home warranty company is worth it because companies vet their technicians. If you don't have time to do the research yourself, your home warranty company can ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you choose the right home warranty plan for your needs.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost an average of $53–$62 a month. You'll also pay a service call fee every time you file a claim. These fees can range from $65–$125 per claim. Basic home warranty plans are generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know your specific needs before selecting a plan.
Coverage
Figure out which systems and appliances you use most often. You'll want a home warranty plan that covers these items. Most home warranties can be customized to your needs, and many providers offer systems-only plans for homeowners that only want select coverage (such as for air conditioning). You can also get a plan that only covers select appliances. 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
Usually, home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, theft, routine maintenance, or defects aren't covered either. 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.
Provider Reputation
Also, consider provider reputation when making a decision. You can read customer reviews on sites like Best Company, Google Reviews, and Trustpilot or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to assess how providers handle claims and customer service. Check with the Texas Attorney General to verify that a provider holds a license with the state.
Contractor Network
Take into account a home warranty company's service provider network. The provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company where and how it sources technicians. Select a provider that mentions the names of familiar service contractors. Rural homeowners might prefer home warranty policies that allow customers to choose their technicians. In-network service providers may be unavailable in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Missouri City
Is a home warranty required in Missouri City?
What are preexisting conditions?
What is the best home warranty provider in Missouri City?
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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