Are Home Warranties Worth It for San Antonio Residents?
Home warranties are worth it for San Antonio residents. Summers in San Antonio are very hot, which makes it extremely important that your air conditioner is working well. However, this system can malfunction over time from heavy use.
Winters in San Antonio are fairly mild, but you still want a reliable heating system. Replacing your HVAC system can cost between $2,500 and $8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies across the nation. The regular rain in San Antonio can cause damage to your home's roof.
Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, a home warranty connects you with service providers you can trust. Investing in a reputable home warranty company is worth it because companies vet their technicians.
If you're focused on work or other priorities, your home warranty company can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when determining the right home warranty plan for you.
We received 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $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 generally cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as getting add-on coverage options will raise the monthly price.
Figure out which appliances and systems you use most frequently. Most home warranty plans offer customizable coverage tailored to your needs. If you only want coverage for certain systems, like your air conditioner, most providers 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
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Generally, home warranties only cover breakdowns 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. Providers will outline limitations and exclusions in their service contracts. Thoroughly read your contract to ensure you understand the terms and conditions of your plan.
Provider reputation is another key factor to consider. You can browse real customer reviews on sites such as Google Reviews, Trustpilot, and Best Company or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can give you insight into how a company handles claims and customer service. Check with the Texas Attorney General to verify that a provider holds a valid state license.
Consider a home warranty company's network of service providers. Your provider should always send licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. Choose a provider that mentions service contractors you're familiar with. Residents of rural areas may consider choosing a home warranty that lets them choose their technicians. It's good to have the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in San Antonio
Do I need a home warranty in San Antonio?
What are preexisting conditions?
What is San Antonio's best home warranty provider?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How long does a home warranty typically last?
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