Are Home Warranties Worth It for Alameda Residents?
Yes, home warranties are worth it for Alameda residents. Alameda summers are very hot, which makes it very important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.
Winters in Alameda are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
Even Alameda's irregular rain can affect your home's roof. Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Finally, 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
Think about these important factors when picking the right home warranty plan for you.
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 also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are typically more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know your specific needs before selecting a plan.
Coverage
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. 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
Usually, home warranties only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, routine maintenance, theft, or defects aren't covered either. Your provider will outline its limitations and exclusions in your service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.
Provider Reputation
Consider a provider's reputation before purchasing a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. Reading these reviews gives you an idea of how providers handle customer service and claims. Check with the California Department of Consumer Affairs to verify that a provider holds a license with the state.
Contractor Network
Consider a home warranty company's service provider network. The provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company how and where it sources technicians. We recommend picking a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider a home warranty policy that lets them choose their technician. In-network service providers may not be available in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in Alameda
Do I need a home warranty in Alameda?
What are preexisting conditions?
What is Alameda's best home warranty provider?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How long does a home warranty typically last?
How can I maximize the value of my home warranty?
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