Are Home Warranties Worth It for El Mirage Residents?
Yes, home warranties are worth it for El Mirage residents. El Mirage summers are very hot, which makes it very important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.
Winters in El Mirage 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 coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. Even the infrequent rain in El Mirage can damage your home's roof.
The financial burden of this will be lessened if your home warranty has roof-leak coverage. Lastly, home warranties connect you with trustworthy service providers. When life is keeping you busy, you want to know that a reliable technician is handling your repairs.
Reputable home warranty companies vet every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when determining the right home warranty plan for you.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost roughly $53–$62 per month. There are also service call fees each time you file a claim. Service call fees range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before choosing a plan.
Coverage
Figure out which appliances and systems you use the most. Most home warranty providers offer custom coverage tailored to your needs. If you only want coverage for select systems, such as your air conditioner, most providers offer systems-only plans. The same is true if you only need coverage for 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
Usually, home warranties don't cover preexisting conditions or improper installation. Most policies only cover damage from normal wear and tear. Most also exclude appliance components or cosmetic issues, routine maintenance, defects, or theft. Providers outline limitations and exclusions with their service contracts. We recommend reading it to understand your plan's exact terms and conditions.
Provider Reputation
Provider reputation is another important factor to consider. You can browse customer reviews on sites like Google Reviews, Trustpilot, and Best Company or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can give you insight into how a company handles customer service and claims. Check with the Arizona Attorney General to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Any company you choose should use licensed and registered contractors to handle service requests; make sure to ask your company how and where it sources technicians. Choose a provider that mentions service contractors you're familiar with. Rural homeowners may consider home warranties that allow the customer to choose their technician. It's important to have the option to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in El Mirage
Is a home warranty required in El Mirage?
What are preexisting conditions?
What is the best home warranty provider in El Mirage?
Can I get a home warranty that covers other types of home items?
Why do home warranties have a waiting period before coverage begins?
How long does a home warranty typically last?
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