Home Warranty Alabama
Consumer Opinion Guide explains why you need and how to find the right home warranty in Alabama.
Purchasing a home warranty contract in Alabama makes a lot of sense. The state has some of the most unpredictable weather in the country, not to mention a copious amount of rainfall that averages 56 inches on an annual basis! However, finding the best contract from one of the best home warranty companies Alabama has to offer for your situation is not as easy as it should be. Before you sign anything, you will want to understand exactly why you need a home warranty in the first place, as well as the terms of the contract itself. But don’t worry, as the Consumer Opinion Guide will provide you with all the necessary information!
Why do you need a home warranty in Alabama?
There is no shortage of home warranty companies in Alabama due to the weather situation in the state. Alabama experiences an average of 70 to 80 days of thunder and has to survive around 60 tornadoes each year! These conditions have a significant effect on a number of home systems and appliances, including:
- HVAC systems
- Electrical wiring
- Home Exterior
Furthermore, Alabama experiences numerous tropical storms and hurricanes, further contributing to property damage. This is why it might be in your best interest to talk with one of the best home warranty companies Alabama has to offer and protect your systems and appliances. Do note, however, that there is a large difference between home warranty and home insurance, as they cover different situations. A home warranty will only protect your home systems and appliances but will not cover any structural damage.
How does a home warranty protect your home?
Basically, a home warranty contract is a form of insurance. By paying a monthly premium, you will be protected from unexpected repair/replacement costs on all covered systems. There are many reasons why you need a home warranty plan, but the most important one is that it provides you with peace of mind. If you sign a contract with one of the Alabama home warranty companies, you will always have someone to call whenever your home systems and appliances require repairs.
However, there is a slight “catch” to every home warranty contract. It can be rather easy for a company to deny you coverage unless you abide by the terms of the contract. For example, you will be expected to perform routine maintenance on all your systems and appliances, and you need to be aware of the coverage limits and exclusions.
Coverage limits and exclusions
Even the best home warranty companies Alabama has to offer will have notable coverage limits and exclusions within their home warranty contracts. These are usually quite standard, but they can differ greatly from one company to another. Therefore, it is always in your best interest to read the contract very carefully, lest you find yourself in a situation where you need to replace an expensive appliance without any coverage.
A perfect example of exclusions is the HVAC system coverage. While many home warranties will cover any HVAC repairs/replacements within their standard contracts, many will not. Some companies might exclude these systems to provide you with a lower monthly premium, while others may want you to purchase a premium plan to get HVAC coverage. Therefore, it is extremely important to ask what a home warranty covers before you sign the contract. Some of the other things that might not be included in the standard coverage include:
- roof leaks
- sprinkler systems
- septic systems
- garage doors
- hot tubs
Additionally, each home warranty policy will have a coverage limit. These can also vary wildly from one company to another. For example, one company might put a cap on coverage at $500 per appliance while another might set the same cap at $5,000. Furthermore, there is always the total amount of coverage that you can get in each given year. One of the most common mistakes is to only look at coverage limits per item and not realize that the total amount of coverage is exceedingly low.
Lastly, your home warranty will almost never cover any pre-existing conditions.
As far as most home warranty companies in Alabama are concerned, pre-existing conditions are an excellent way to deny coverage. Basically, if any of your appliances and systems have a pre-existing condition (a problem that was diagnosed during the home inspection), you will have a hard time getting a home warranty company to pay for its repair/replacement. It is not impossible, however, as some companies will still provide you with coverage but under vastly different terms. However, some companies might try to scam you by saying they will offer coverage and then state something else in the contract. If you want to avoid home warranty scams, it is always best to work with reputable companies in the first place. While they might not offer the best savings, their reliability is what makes them better than most “no-name” home warranty companies.
How to find the best home warranty
Sifting through Alabama home warranty companies can be a very time-consuming task. The fact that you need to be very careful with coverage limits, exclusions, and all the other variables makes finding a good home warranty contract in the state of Alabama all but impossible in a short period of time. Furthermore, you may need to spend additional time customizing your home warranty contract, and you want to avoid home warranty scams. You will also need to consider the difference in service call fees, add-ons, annual fees, etc. It can all get overwhelming quite fast.
Luckily, there is a way to minimize the time investment and maximize the results. You can utilize the Consumer Opinion Guide to find all the necessary information in one place and pick the best home warranty for you! We have already compared all the best home warranty companies Alabama has to offer and are happy to share our results!