Best 6 Home Warranty Companies in Miami, FL

Are Home Warranties Worth It for Miami Residents?

Home warranties are valuable for Miami residents. Summers in Miami are very hot, which makes it very important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.

Miami 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. Home warranties are comparatively cheaper at only $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.

Miami's heavy rain can also affect your home's roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Finally, a home warranty connects you with service providers you can trust.

A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can ensure that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

These important factors can help you choose the best home warranty plan for your needs.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost approximately $53–$62 per month. There are also service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before committing to a plan.

Coverage

You can often find home warranty plans that cover specific appliances and systems. Determine whether you need coverage for major systems (like air conditioning), specific appliances, or 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

Typically, home warranties only cover damage from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, appliance components or cosmetic issues, defects, routine maintenance, or theft are also not covered. You can find your provider's limitations and exclusions in your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.

Provider Reputation

Provider reputation is another important factor to consider. You can find real customer reviews on sites like Trustpilot, Google Reviews, and Best Company or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can provide insight into how a company handles claims and customer service. Check with the Florida Division of Consumer Services to verify a provider's state license.

Contractor Network

Consider a home warranty company's network of service providers. Make sure you ask your provider where and how it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. Select a provider that mentions the names of familiar service contractors. Residents of rural areas might consider choosing a home warranty that lets them pick their technicians. It's good to have the option to source your own providers if no in-network ones are available in your area.