Are Home Warranties Worth It for Sun City Residents?
Home warranties are worth it for Sun City residents. Summers in Sun City are very hot, which makes it extremely important that your air conditioner works well. However, this system can malfunction over time from heavy use.
Sun City 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 anywhere from $2,500–$8,000. Home warranties are comparatively cheaper at only $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
Even in Sun City, over time rain can cause damage to your home's roof. Some home warranty providers offer limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, your home warranty will connect you with service providers you can trust.
A reputable home warranty is a good investment because companies vet their technicians. When life keeps you busy, your home warranty company can ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you select the best home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home. From this we determined that the average home warranty cost is $53–$62 per month. Additionally, you'll pay a service call fee of roughly $65–$125 whenever you file a claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before selecting a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Think about which appliances and systems you use often and would like coverage for. If you only need coverage for select systems or appliances (such as your air conditioning), you can often find plans to fit. 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
Home warranties generally only cover damage from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies will also not cover appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers will outline limitations and exclusions in their service contracts. Thoroughly read your contract to ensure you understand the terms and conditions of your plan.
Provider Reputation
Provider reputation is another key factor to consider. You can find real customer reviews on sites like Trustpilot, Best Company, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can give you insight into how a company handles claims and customer service. Check with the Arizona Attorney General to verify a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Any company you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company where and how it sources technicians. Select a provider that mentions service contractors you're familiar with. Homeowners in rural areas may prefer home warranty policies that allow you to choose your technician. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Sun City
Do I need a home warranty in Sun City?
What are preexisting conditions?
What is the best home warranty provider in Sun City?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How do I file a claim with my home warranty provider?
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