A home warranty in Miami can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop functioning due to normal wear and tear.
With hot summers, keeping your home appliances and systems working, particularly HVAC, are very important for homeowners in the Miami area of Florida.
Finding the best home warranty on the market can be quite overwhelming as there are dozens of companies to decide between. That's why the House Method team did the research and made a list of the best home warranty companies in Miami for you.
The first step in protecting your house with a home warranty is determining which company's plan is right for you. Figure out which items in your home you'd like coverage for and compare the policies. Before deciding which home warranty to purchase, here are a few other factors to keep in mind:
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
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A home warranty is a protection plan that covers home systems and appliances. When your HVAC breaks down and the repair is several hundred dollars, a home warranty will make sure that your only cost is a predetermined service fee. Home warranty coverage often starts without an inspection and generally goes into place about thirty days after purchasing the policy.
For Miami homeowners, when an issue arises with a covered appliance or system, it is very simple to file a claim. Most home warranty providers have an online portal where you can file a claim. At this point, you will pay the service fee. Service fees for home warranty customers range in price from $60 to $150. Most home warranties also have a coverage cap, which is the maximum amount per year or appliance that the home warranty plan will cover for repairs and replacements.
A home warranty in Miami usually covers the main systems and appliances in the house. The appliances covered are a stove, microwave, cooktop, dishwasher, refrigerator, clothes washer, clothes dryer, and more. The systems included are the air conditioner, heating system, plumbing, electrical, water heater, and more. You can also optionally opt to pay a bit extra for add-on coverage for items like swimming pools, septic systems, roof warranty, and spas.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things like cosmetic damages, misuse, lack of maintenance, and pre-existing conditions are excluded from the home warranty policy.
Since temperatures in Miami can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Purchasing a home warranty can help homeowners save money if one of these systems or appliances stops working all of a sudden.
A home warranty also can also save you time and energy. Instead of spending hours finding and choosing a contractor to fix your appliance or system, home warranty providers do the hard work for you and just send a trusted professional to your door whenever you need them.
One disadvantage of signing up for a home warranty is that there are usually exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it's important to read over the contracts you're considering thoroughly to understand what is included and what isn't. Another thing to consider is that some providers don't cover pre-existing problems and may require an inspection before coverage begins. Ask the home warranty provider for clarification about it if you need more information or if this is a problem for you.
Owning a home is a big responsibility that can be expensive, but worthwhile. A home warranty is one thing that can help with your home maintenance budget, but its worth for you is something you'll have to consider before purchasing a policy.
Hopefully, you now feel confident that you can choose a home warranty in Miami after reading our guide. Choice Home Warranty is the best overall home warranty provider in Miami. It offers great coverage at an affordable cost. However, other providers mentioned above are also great choices for Miami residents.
The best home warranty company in Miami is Choice Home Warranty. Choice Home Warranty has a large network of professional contractors and a great reputation in the Miami area.
Home warranties cover problems related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different kind of plan that protects your entire home from natural disasters and fires. It doesn't cover typical appliance or system breakage.
A home warranty can help home sellers, homebuyers, investors, real estate agents, and homeowners. It can offer peace of mind and savings to anyone involved in homeownership.
Usually coverage for a home warranty policy begins 30 days after payment. However, a few providers may let you file a claim before this, so check with customer service to find the exact waiting period for your case.
A home warranty policy can cost on average anywhere from around $300 to $800 a year in Miami. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. In addition, it's usually less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. The key is to compare plans to determine what you're really getting for the price.