Are Home Warranties Worth It for Cathedral City Residents?
Yes, home warranties are worth it for Cathedral City residents. Summers in Cathedral City are very hot, which makes it very important for your air conditioner to work properly. However, this system can malfunction over time from heavy use.
Cathedral City winters are fairly mild, but you still want a reliable heating system. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies across the nation. Even Cathedral City's irregular rain can affect your roof.
Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Lastly, home warranties connect you with reliable service providers. Reputable home warranty companies vet all their service providers.
If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Think about the following factors when selecting the best home warranty for your needs.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $53–$62 per month. You also have to pay service call fees whenever you file a claim. These fees range from $65–$125 per 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 choosing a plan.
Coverage
Most home warranty companies can tailor a plan to your needs. Make a list of the appliances and systems that you use often and want coverage for. If you only want coverage for select appliances or systems (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
Most home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Additionally, home warranties don't cover cosmetic issues or appliance components, defects, theft, or routine maintenance. 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
Also, consider a provider's reputation when making a decision. You can read customer reviews on sites like Best Company, Trustpilot, and Google Reviews or look at a company's Better Business Bureau (BBB) rating. Ratings and reviews are a great way to learn how providers handle customer service and claims. Check with the California Department of Consumer Affairs to verify that a provider holds a valid state license.
Contractor Network
Take into account a home warranty company's service provider network. Reputable home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. Select a provider that mentions the names of familiar service contractors. Homeowners in rural areas might prefer home warranty policies that allow customers to choose their technicians. In-network service providers may be unavailable in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Cathedral City
Do I need a home warranty in Cathedral City?
What are preexisting conditions?
What is the best home warranty provider in Cathedral City?
Can I get a home warranty that covers other types of home items?
Why do home warranties have a waiting period before coverage begins?
How can I maximize the value of my home warranty?
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