Are Home Warranties Worth It for Texas City Residents?
Home warranties are worth it for Texas City residents. Texas City summers 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.
Texas City 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, on the other hand, come in at only $644–$737 a year, based on 120 quotes we received from home warranty companies nationwide.
Texas City's heavy rain can damage your roof. Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, home warranties connect you with trustworthy 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 you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when selecting your home warranty plan.
Cost
We requested 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. You'll also pay a service call fee of between $65–$125 every time you file a claim. Basic home warranty plans are typically more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know your specific needs before selecting a plan.
Coverage
Figure out which systems and appliances you use most often. You want your home warranty plan to cover these items. Most home warranties can be customized to your needs, and many providers offer systems-only plans for those who only need select coverage (such as for air conditioning). You can also get a plan that only covers select appliances. 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
Home warranties typically only cover 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, defects, or routine maintenance. Each provider will outline its exclusions and limitations in its service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.
Provider Reputation
Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Customer reviews can give you a sense of how providers handle claims and customer service. 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. The provider you choose should use licensed and registered contractors to handle service requests; make sure to ask your company where and how it sources technicians. If you can, use 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 you want the option to source your own.
Frequently Asked Questions About Home Warranty in Texas City
Do I need a home warranty in Texas City?
What are preexisting conditions?
What is the best home warranty provider in Texas City?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How can I maximize the value of my home warranty?
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