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You can save several hundred to several thousands on home repairs with a home warranty. For example, an air conditioner replacement could cost upward of $2,000, but you will only pay the service fee outlined in your policy contract and your provider will cover the rest. This can offer you peace of mind of not having to pull from your savings for unexpected home repairs. Is the best overall home warranty policy in the state of Florida.
If you live in Florida and want extra protection for your home systems and appliances, consider investing in a home warranty. In this article, we’ll discuss the top five home warranty companies in Florida and help you pick a home protection plan that gives you peace of mind. For either a basic appliance or systems plan, you’ll likely pay from the mid-$30s to the mid-$40s per month, or the low $400s to low $500s per year.
How to Find the Best Home Warranty in Florida
Florida homeowners know the best way to avoid being the subject of a “Florida Man” or “Florida Woman” headline is to ensure their sanity with working air conditioning. Gators also become dormant below about 55 degrees Fahrenheit, so a working A/C unit, functioning ductwork and cold refrigerators are also critical safety features to any Florida home. He was able to get the repair covered by the warranty without any issue. But, after twelve months, it is up to the new homebuyer to opt for an extended warranty if interested. The home buyer and seller must agree beforehand regarding who will pay for the policy.
Failing to pay the service call fee can lead to the cancellation of the policy. Also, you must keep in mind to only file a claim when the device is giving trouble, as each time claims get filed, you will be charged. HVACwill get repaired or replaced depends on the condition of the equipment and your home warranty provider’s policy. Most companies inspect the device to check if the device can be repaired. Replacements are only considered if the device is deemed as unrepairable by the service contractors.
Choice Home Warranty
Broken or inoperable operation controls, unsafe exhaust disposal, etc., are examples of cooling device issues that Floridians often face. Cooling devices such as air conditioners are vital for Florida homes but are costly when regular fixes are required. Home leaks are frequently caused by the hot water system, faucets, sump pump, attic, and basement. Water stains, mold, and dampness on the walls or ceiling are visual indicators of a leak. Fixing a leak inside your home can cost anywhere from $100 to $1000 without a home warranty. And, if your air conditioner breaks down in the middle of July, the peak season, imagine how costly it will be to repair it.
First American does disappoint in the state availability category since it only services 34 states. Also, the company does not offer coverage for central air conditioning in its core plans, but it does offer it as an add-on. Providing coverage in 48 U.S. states, AFC Home Club offers four plans, as well as six add-on options. American Home Shield is a reputable choice for Florida homeowners who value comprehensive coverage. AHS covers a variety of systems and appliances in your home and provides three plan and service call fee options to choose from.
American Home Shield
Your home warranty policy also will not cover damage caused my misuse or improper maintenance, pre-existing conditions, or cosmetic defects. Some home warranty companies will also offer a total coverage plan to cover your systems and appliances. All companies will also offer additional add-on coverage for any specific appliances or systems you may have in your home.
CHW’s basic plan costs $46 monthly, and if you purchase the Total plan, you will have to pay around $54 monthly. The Basic Plan primarily covers appliances, while the Premier Plan provides coverage for both major appliances and systems. Founded in 2019, Liberty Home Guard has established a competitive edge by offering accessible customer service via the built-in live-chat feature on the website and a long list of unique add-on options. Before buying a home warranty and making a final decision, we encourage you to get quotes from several of these providers. Once you have quotes from a few companies, compare coverage options and try to price match with your favorite company to get the best deal possible. In general, customers will pay between $41 and $53 per month for a plan.
Best for Quick Coverage: Home Service Club
Our consumers rely on us to provide objective and accurate information — as such, we create a comprehensive rating system to formulate our rankings of the best home warranty companies. This system accounts for a wide range of ranking factors, and we collect data on dozens of home warranty providers to grade the companies on each factor. The end result is a cumulative score for each provider — companies that score the most points top the list. Three price points per plan option, depending on the service call fee you select.
Although First Premier Home Warranty has only been on the market for just about a year, it has earned an A- rating with the BBB. It has collected tons of positive responses about the coverage choices and the overall affordability of the plan. Liberty Home Guard has been in the market for only five years but has made impressive progress. It provides round-the-clock services and has a network of over 10,000 contractors. Liberty’s add-on list covers 43 items, including pest control, second, pro-series refrigerators, and more, making it a noteworthy option. American Home Shield offers unlimited coverage for systems and up to $6k on appliances, a unique offer in the industry.
However, if you still need to figure out the difference between the two and whether you need them, reading our home warranty vs. home insurance guide may help. Once the technician comes over, he/she will diagnose the problematic device thoroughly. Depending on its condition, it will either get repaired or replaced. When filing your home warranty claim, you must also remember to pay the necessary service call fee. Additionally, the home warranty company may not cover it if the old HVAC comes with pre-existing conditions. However, some warranty providers do offer coverage for items with pre-existing conditions.
Each of the Select Home Warranty plans is fairly priced, and all come with free roof leak coverage. With the summer storms in Florida, you will be happy you have free roof leak coverage if the rain starts coming down. Select is known for offering a great value of coverage for the cost. There are three standard plans offered by Liberty Home Guard; however, you can add quite a bit of add-on coverage to these plans.
Although your chances of finding warm weather in Florida during the winter are quite high, there are areas such as Jacksonville, Destin, and even Orlando that can get some nights with freezing temperatures. This means that Florida homeowners will also want to consider heating systems to help them keep the home comfortable all year. We put in a work order with Choice Home Warranty, and within a few days Rabbit Heating and Air came to help.
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