Are Home Warranties Worth It for Schertz Residents?
Home warranties are worth it for Schertz residents. Schertz experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioner can malfunction over time from heavy use.
Schertz winters are fairly mild, but you still want a reliable heating system. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. The regular rain in Schertz can damage your roof.
Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, your home warranty will connect 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 important factors can help you choose the best home warranty plan for your needs.
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty costs between $53–$62 per month. There are also service call fees that apply each time you file a claim. These fees range from $65–$125 per claim. A basic home warranty is generally more affordable than a comprehensive one. Appliance plans are typically less costly than home systems coverage plans. Most plans give you the option of getting add-on coverage options for an additional monthly cost. Consider your specific needs before committing to a plan.
Determine which systems and appliances you use most often. Most home warranties offer custom coverage tailored to your needs. If you only want coverage for select systems, like your air conditioner, most companies offer systems-only plans. The same is true if you only want coverage for select 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
Home warranties generally only cover damage from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies will also not cover cosmetic issues or appliance components, routine maintenance, theft, or defects. Providers outline limitations and exclusions in their service contracts. We recommend reading carefully to fully understand the terms and conditions of your plan.
Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. These reviews can show you how companies handle customer service and claims. Check with the Texas Attorney General to verify a provider's state license.
Take into account a home warranty company's network of service providers. Any provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company where and how it sources technicians. We recommend picking a provider that mentions service contractors you're familiar with. Those who live in rural areas should consider a home warranty that allows you to choose your technician. You may not have any in-network service providers in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in Schertz
Is a home warranty required in Schertz?
What are preexisting conditions?
What is Schertz's best home warranty provider?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How do I file a claim with my home warranty provider?
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