Are Home Warranties Worth It for Yuma Residents?
Yes, home warranties are worth it for Yuma residents. Yuma summers are very hot, which makes it extremely important that your air conditioner works well. However, over time this system can malfunction from heavy use.
Yuma winters 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 requested from home warranty companies nationwide. Even in Yuma, over time rain can cause damage to your roof.
Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. 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 all their service providers.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when picking your home warranty plan.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost an average of $53–$62 per month. Additionally, you'll pay a service call fee each time you file a claim. Service call fees typically range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Consider your specific needs before choosing a plan, as getting add-on coverage options will increase your monthly price.
Coverage
You can often find home warranty plans that cover specific systems and appliances. Determine 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
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Typically, home warranties only cover normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, defects, theft, or routine maintenance aren't covered either. Providers outline limitations and exclusions within their service contracts. We recommend reading carefully to fully understand the terms and conditions of your plan.
Provider Reputation
You should also consider provider reputation. You can also browse real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. Reviews and ratings can show how a company handles claims and customer service. Check with the Arizona Attorney General to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Your provider should always use licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. We recommend picking a provider that mentions the names of familiar service contractors. Residents of rural areas may consider choosing a home warranty provider that lets customers select their technicians. It's important to have the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in Yuma
Do I need a home warranty in Yuma?
What are preexisting conditions?
What is Yuma's best home warranty provider?
Do home warranties cover 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?
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