Are Home Warranties Worth It for Phoenix Residents?
Home warranties are worth it for Phoenix residents. Phoenix summers are very hot, which makes it extremely important that your air conditioner is working well. However, this system can malfunction over time from heavy use.
Phoenix has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of replacing your HVAC system can range between $2,500 and $8,000. A home warranty plan is comparatively cheaper, only $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.
Even Phoenix's irregular rain can affect your roof. Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Lastly, home warranties connect you with reliable technicians.
When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when picking your home warranty plan.
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. There are also service call fees that apply whenever you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranty plans generally cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options raise the monthly cost, so consider your specific needs before purchasing a plan.
You can look for a home warranty plan that covers specific appliances and systems. Decide whether you need coverage for major systems (such as air conditioning), specific appliances, or for both. Then ask your provider what its options are for customized coverage. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Most home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. In addition, home warranties don't cover cosmetic issues or appliance components, routine maintenance, defects, or theft. Providers will outline exclusions and limitations in their service contracts. Read your contract thoroughly to ensure you understand the terms and conditions of your plan.
Also, consider provider reputation when choosing a plan. You can find customer reviews on sites such as Google Reviews, Best Company, and Trustpilot or look at a company's rating with the Better Business Bureau (BBB). Reviews and ratings are a great way to assess how providers handle claims and customer service. Check with the Arizona Attorney General to verify that a provider holds a license with the state.
Consider a home warranty company's service provider network. Companies should always use licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. Select a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider a home warranty that allows you to choose your technician. You may not have any in-network service providers in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in Phoenix
Do I need a home warranty in Phoenix?
What are preexisting conditions?
What is the best home warranty provider in Phoenix?
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 is a home warranty different from homeowners insurance?
How can I maximize the value of my home warranty?
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