Are Home Warranties Worth It for Surprise Residents?
Yes, home warranties are worth it for Surprise residents. Surprise experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioner can malfunction over time from heavy use.
Winters in Surprise are fairly mild, but you still want a reliable heating system. HVAC system replacement can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. Even the infrequent rain in Surprise can damage your home's roof.
The financial burden of this will be lessened if your home warranty has roof-leak coverage. Lastly, a home warranty connects you with trustworthy service providers. Investing in a reputable home warranty company is worth it because companies vet their technicians.
If you're focused on work or other priorities, your home warranty provider can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when choosing your home warranty plan.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. You'll also pay service call fees whenever you file a claim. These 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
Most home warranties can be somewhat customized to your needs. Make a list of the systems and appliances that you use often and need covered. 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
Typically, home warranties don't cover improper installation or preexisting conditions. Most policies will only cover breakdowns from normal wear and tear. Most will also exclude appliance components or cosmetic issues, routine maintenance, defects, or theft. Each provider will outline its exclusions and limitations in its service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.
Provider Reputation
Look into a provider's reputation before selecting a plan. Check its Better Business Bureau rating. Also read customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. Reading these reviews gives you an idea of how companies handle customer service and claims. Check with the Arizona Attorney General to verify that a provider holds a license with the state.
Contractor Network
Consider a home warranty company's network of service providers. Ask where and how it sources technicians—reputable providers should always use licensed and registered contractors. We recommend picking a provider that mentions the names of familiar contractors. Residents of rural areas should consider going with a home warranty provider that customers choose their technician. There may be no in-network service providers available in these areas, so customers may need to source their own.
Frequently Asked Questions About Home Warranty in Surprise
Is a home warranty required in Surprise?
What are preexisting conditions?
What is Surprise's best home warranty provider?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty 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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