Are Home Warranties Worth It for Prescott Valley Residents?
Home warranties are worth it for Prescott Valley residents. Summers in Prescott Valley are very hot, which makes it very important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.
Winters in Prescott Valley 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 Prescott Valley's irregular rain can affect your roof.
Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Lastly, home warranties connect you with trustworthy service providers. Reputable home warranty companies vet each service provider they work with.
If you don't have time to do the research yourself, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when picking the right home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. There are also service call fees that apply each time you file a claim. These fees range from $65–$125 per claim. A basic home warranty is more affordable than a comprehensive one. Appliance plans are typically less costly than home systems coverage plans. Most plans offer add-on coverage options for an additional monthly fee. Consider your specific needs before choosing a plan.
Coverage
Figure out which systems and appliances you use the most. You'll want a home warranty plan that covers these items. Most home warranties can be customized to your needs, and many providers offer systems-only plans for homeowners that only want select coverage (such as for air conditioning). You can also get a plan that only covers 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
Generally, home warranties only cover damage from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, appliance components or cosmetic issues, theft, routine maintenance, or defects are also not covered. Providers outline exclusions and limitations within their service contracts. Make sure you read yours carefully to fully understand your plan's terms and conditions.
Provider Reputation
Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. Reading reviews can give you a sense of how companies handle claims and customer service. Check with the Arizona Attorney General to verify that a provider holds a valid state license.
Contractor Network
Take into account a home warranty company's service provider network. Make sure to ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. Select a provider that mentions contractors you're familiar with. Residents of rural areas should consider going with a home warranty provider that customers choose their technician. Rural areas may not have any in-network service providers available, and customers might need to source their own.
Frequently Asked Questions About Home Warranty in Prescott Valley
Is a home warranty required in Prescott Valley?
What are preexisting conditions?
What is the best home warranty provider in Prescott Valley?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How long does a home warranty typically last?
How do I file a claim with my home warranty provider?
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