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 the warmer months. Your air conditioning system may malfunction over time from heavy use.
Winters in New Braunfels are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $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 New Braunfels can damage your roof. The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Finally, a home warranty connects you with service providers you can trust.
A reputable home warranty is a good investment because companies vet their technicians. When life keeps you busy, your home warranty company can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you select the right home warranty plan for your needs.
We received 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 generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know your specific needs before choosing a plan.
Most home warranties can be somewhat customized to your needs. Think about which appliances and systems you use often and would like coverage for. If you only want coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Home warranties generally only cover damage from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover cosmetic issues or appliance components, theft, routine maintenance, or defects. Your provider will outline its limitations and exclusions in your service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Also, consider a provider's reputation when choosing a plan. You can find customer reviews on sites such as Trustpilot, Google Reviews, and Best Company or look at a company's Better Business Bureau (BBB) rating. Ratings and reviews are a great way to learn how providers handle claims and customer service. Check with the Texas Attorney General to verify that a provider holds a license with the state.
Consider 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 how and where it sources technicians. Choose a provider that mentions service contractors you're familiar with. Residents of rural areas may consider home warranties that allow the customer to choose their technician. You'll want to be able to source your own provider if there are no in-network ones in your area.