Are Home Warranties Worth It for San Marcos Residents?
Home warranties are worth it for San Marcos residents. Summers in San Marcos are very hot, which makes it extremely important that your air conditioner works well. However, this system can malfunction over time from heavy use.
San Marcos 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 anywhere from $2,500–$8,000. A home warranty plan is comparatively cheaper, only $644–$737 a year, based on 120 quotes we received from home warranty companies across the nation.
San Marcos' regular rain showers can also affect your roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Finally, home warranties connect you with reliable service providers.
Reputable home warranty companies vet every service provider they use. If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider the following factors when selecting the best home warranty 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. You'll also pay service call fees each time you file a claim. Service call fees range from $65–$125 per claim. Basic home warranty plans are typically more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. You can often get add-on coverage for an additional monthly cost. Be sure you know your specific needs before choosing a plan.
Coverage
You can look for a home warranty plan that covers specific appliances and systems. Decide whether you want coverage for major systems (like air conditioning), specific appliances, or for both. Then ask your provider about its options for customized coverage. Here 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
Home warranties generally only cover normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies will also not cover appliance components or cosmetic issues, routine maintenance, defects, or theft. Providers outline their limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand the terms and conditions of your plan.
Provider Reputation
Provider reputation is another important factor to consider. You can browse customer reviews on sites like Google Reviews, Best Company, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can provide 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
Consider a home warranty company's service provider network. Be sure to ask your provider how and where it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. Select a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider a home warranty policy that allows the customer to choose their technician. Rural areas may not have any in-network service providers available, and customers may need to source their own.
Frequently Asked Questions About Home Warranty in San Marcos
Do I need a home warranty in San Marcos?
What are preexisting conditions?
What is the best home warranty provider in San Marcos?
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?
How do I file a claim with my home warranty provider?
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