Are Home Warranties Worth It for Rockwall Residents?
Home warranties are worth it for Rockwall residents. Rockwall summers are very hot, which makes it extremely important that your air conditioner is working well. However, over time this system can malfunction from heavy use.
Rockwall has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of replacing your HVAC system can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.
Rockwall's regular rain showers can also affect your home's roof. Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair. Finally, home warranties connect you with trusted service providers.
Reputable home warranty companies vet every service provider they use. If you're busy with work or other priorities, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you determine the right home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost roughly $53–$62 per month. There are also service call fees each time you file a claim. Service call fees range from $65–$125 per claim. A basic home warranty will be more affordable than a comprehensive one. 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 specific needs before purchasing a plan.
Coverage
Many home warranty companies offer plans for select appliances or systems. Figure out which systems and appliances you use the most before choosing a plan. If you only need coverage for 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
Generally, home warranties only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, routine maintenance, defects, or theft aren't covered either. Each provider will outline its limitations and exclusions in your service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another key factor to consider. You can browse real customer reviews on sites like Google Reviews, Best Company, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can give you insight into how a company handles 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. Be sure to ask your provider where and how it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. Choose a provider that mentions service contractors you're familiar with. Homeowners in rural areas may opt for a home warranty that allows them to choose their technician. It's important to have the option to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Rockwall
Is a home warranty required in Rockwall?
What are preexisting conditions?
What is the best home warranty provider in Rockwall?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How is a home warranty different from homeowners insurance?
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