When one of your systems or appliances breaks down, a home warranty will step in to help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less overwhelmed by homeownership.
Owning a home in Tampa has many great benefits, but there are, of course, some negatives too. The hot, humid weather can cause problems in a home and destroy some systems and appliances.
Finding the best home warranty on the market can be quite challenging as there are lots of companies to decide between. That's why our team at House Method did the research and put together a list of the top home warranty companies in Tampa for you.
Determining the right provider for your home warranty is the first step toward protecting your home. Plans can vary, so take into consideration the following factors when deciding on a home warranty policy:
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 home protection plan that can help homeowners save money on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Tampa home comfortable and convenient. When these things start to break down, it can be expensive and a inconvenience. Luckily, with a home warranty in place, an affordable repair is just a phone call away.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty provider. Most companies have an online portal where you can do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. The claim is then processed, and a homeowner will pay the service fee to schedule the repair for their home. This repair will usually happen within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees range between $60 and $150.
Home warranty plans help protect both your home systems and appliances. A home warranty can cover repair and replacement-related costs that are a result of normal wear and tear. The appliances include a refrigerator, dishwasher, stove, clothes washer, microwave, clothes dryer, cooktop, and more. The systems included are the electrical, heating system, air conditioner, plumbing, water heater, and more. You can also optionally choose to pay extra for add-on coverage for items such as septic systems, roof warranty, spas, and swimming pools.
Tampa homeowners should be aware that a home warranty plan will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like misuse of a system or appliance, cosmetic issues, pre-existing conditions, or natural disasters. You have to keep up with preventative maintenance on your home systems and appliances to make sure that your next repair or replacement-related complication will be covered by the policy.
Temperatures in Tampa can get quite high in the summer, which means your air conditioner is most likely going to get a lot of use. As a homeowner in Tampa, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
A home warranty can also give value in other ways. For example, some plans can be transferred to another owner when you sell your home.
Home warranties also have some drawbacks. Although it can give you less to worry about since the home warranty sends out a repair technician who carries out the repair for you, some may not like this, and they may want to choose their own contractor. If that's the case for you, some home warranty providers let you choose a contractor. Another downside is that home warranties may not include some repairs, such as those that are needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the systems and appliances that were affected most likely won't be covered by the home warranty.
Owning a home is a big responsibility that can be expensive, but valuable. A home warranty is one thing that can help ease the costs of home maintenance, but whether or not it's worth it for you is something you'll have to determine before getting a policy.
A home warranty in Tampa can save you thousands of dollars and offer you peace of mind when it comes to expensive home repairs and replacements. All of these top providers have impressive experience in the industry and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. It offers comprehensive coverage at an affordable monthly cost. However, other home warranties reviewed above are also great choices for Tampa residents.
The best overall home warranty in Tampa is Choice Home Warranty but the best company for you will depend on factors such as what appliances and systems you need coverage for.
A home warranty covers the normal wear and tear of systems and appliances in a home. Homeowners insurance protects a home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim if you need a new dryer or oven, unless the damage is a result of a natural disaster.
Typically coverage for a home warranty policy begins 30 days after payment. However, a few companies may allow you to file a claim before this, so verify with customer service to find the exact waiting period for your situation.
The service fee is the price homeowner pay every time there's an issue with a system or appliance. The service fees are commonly priced between $60 and $150.
A home warranty plan can cost on average about $300 to $800 a year in Tampa. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's typically less expensive to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best value is.