Are Home Warranties Worth It for Tampa Residents?
Home warranties are worthwhile for Tampa residents. Tampa experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioner can malfunction over time from heavy use.
Tampa 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 received from home warranty companies across the nation. The frequent rain in Tampa can damage your roof.
The financial burden of this will be lessened if you have a home warranty with roof-leak protection. Finally, home warranties connect you with trustworthy service providers. Reputable home warranty companies vet all their service providers.
If life keeps you busy, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Consider the following factors when selecting the right home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. Additionally, you'll pay a service call fee of between $65–$125 whenever 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. You can often get add-on coverage for an additional monthly cost. Be sure you know what you need before choosing a plan.
Coverage
Figure out which appliances and systems 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 homeowners that only need select coverage (such as for air conditioning). You can also find plans that cover only select appliances. 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 cosmetic issues or appliance components, theft, routine maintenance, or defects. Providers outline exclusions and limitations with their service contracts. We recommend reading it to understand your protection plan's specific terms and conditions.
Provider Reputation
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. Looking at reviews can give you a sense of how providers handle customer service and claims. Check with the Florida Division of Consumer Services to verify a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Ask your provider where and how it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. Choose a provider that mentions the names of familiar service contractors. Residents of rural areas may consider home warranties that allow the customer to choose their technician. You may need to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Tampa
Do I need a home warranty in Tampa?
What are preexisting conditions?
What is Tampa's best home warranty provider?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty 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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