Are Home Warranties Worth It for Apple Valley Residents?
Home warranties are worth it for Apple Valley residents. Apple Valley experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioner can malfunction over time from heavy use.
Apple Valley winters 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 received from home warranty companies nationwide.
Even the infrequent rain in Apple Valley can damage your home's roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. 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
These key factors can help you select the right home warranty plan for your needs.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost approximately $53–$62 per month. There are also service call fees each time 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. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before selecting a plan.
Coverage
Figure out which systems and appliances you use most often. Most home warranty providers offer custom coverage tailored to your needs. If you only need coverage for select systems, like your air conditioner, most companies offer systems-only plans. The same is true if you only want coverage for 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
Home warranties generally only cover breakdowns from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover cosmetic issues or appliance components, routine maintenance, defects, or theft. Providers outline their exclusions and limitations in their service contracts. Read your contract thoroughly to ensure you understand your plan's terms and conditions.
Provider Reputation
You should also consider a provider's reputation. You can also find customer reviews on sites like Best Company, Trustpilot, and Google Reviews. Ratings and reviews can show how a company handles claims and customer service. 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. Make sure you ask your provider where and how it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. If you can, use a provider that mentions the names of familiar service contractors. Homeowners in rural areas might consider choosing a home warranty provider that lets customers choose 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 Apple Valley
Do I need a home warranty in Apple Valley?
What are preexisting conditions?
What is Apple Valley'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 is a home warranty different from homeowners insurance?
How can I maximize the value of my home warranty?
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