Are Home Warranties Worth It for New Braunfels Residents?
Home warranties are worth it for New Braunfels residents. New Braunfels experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioner can malfunction over time from heavy use.
New Braunfels winters 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 across the nation.
The regular rain in New Braunfels can cause damage to your roof. Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, home warranties connect you with trustworthy service providers.
When life is keeping you busy, you want to know that a reliable technician is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you determine the best 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 approximately $53–$62 monthly. Additionally, you'll pay a service call fee whenever you file a claim. Service call fees typically range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. 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 purchasing a plan.
Coverage
Determine which appliances and systems you use most often. Most home warranty providers offer customizable coverage tailored to your needs. If you only want coverage for select systems, such as your air conditioner, most companies offer systems-only plans. The same is true if you only want coverage for certain 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
Most home warranties cover only normal wear and tear, which excludes improper installation and preexisting conditions. Most policies also exclude cosmetic issues or appliance components, routine maintenance, theft, or defects. You can find your provider's limitations and exclusions in your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Provider Reputation
Look into a provider's reputation before committing to a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites like Best Company, Google Reviews, and Trustpilot. Reading these reviews gives you an idea of how providers handle customer service and claims. Check with the Texas Attorney General to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Any provider you choose should use licensed and registered contractors to handle service requests; make sure to ask your company how and where it sources technicians. Select a provider that mentions the names of familiar service contractors. Residents of rural areas may opt for a home warranty that allows them to choose their technician. You may need to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in New Braunfels
Do I need a home warranty in New Braunfels?
What are preexisting conditions?
What is New Braunfels' 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 long does a home warranty typically last?
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