Are Home Warranties Worth It for Victoria Residents?
Yes, home warranties are worth it for Victoria residents. Victoria summers are very hot, which makes it very important for your air conditioner to work properly. However, this system can malfunction over time from heavy use.
Winters in Victoria are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
The regular rain in Victoria can cause damage to your home's roof. Some home warranty companies offer limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, 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
Think about these key factors when selecting your home warranty plan.
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per 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. You can often get add-on coverage for an additional monthly cost. Be sure you know your specific needs before purchasing a plan.
Most home warranty companies can tailor a plan to your needs. Think about which systems and appliances you use often and want coverage for. If you only want coverage for select systems or appliances (such as your air conditioning), you can often find plans to fit. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Home warranties usually 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, theft, routine maintenance, or defects. Providers outline exclusions and limitations within their service contracts. Make sure you read yours carefully to fully understand your plan's terms and conditions.
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. Customer reviews can give you a sense of how companies handle claims and customer service. Check with the Texas Attorney General to verify that a provider holds a license with the state.
Take into account a home warranty company's service provider network. Trustworthy home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider where and how it sources technicians. Choose a provider that mentions service contractors you're familiar with. Residents of rural areas might consider choosing a home warranty provider that lets customers select their technicians. It's important 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 Victoria
Is a home warranty required in Victoria?
What are preexisting conditions?
What is the best home warranty provider in Victoria?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How do I file a claim with my home warranty provider?
How can I maximize the value of my home warranty?
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