Are Home Warranties Worth It for Cerritos Residents?
Yes, home warranties are worth it for Cerritos residents. Cerritos 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 Cerritos 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 per year, based on 120 quotes we requested from home warranty companies nationwide.
Even in Cerritos, over time rain can damage your home's roof. Some home warranty companies offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, a home warranty connects you with service providers you can trust.
Investing in a reputable home warranty company is worth it because companies vet their technicians. When life keeps you busy, your home warranty company can ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when choosing your home warranty plan.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home. From this we determined that home warranties cost an average of $53–$62 per month. Additionally, you'll pay a service call fee of approximately $65–$125 each time you file a claim. Comprehensive home warranty plans typically cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as add-on coverage options will raise the monthly price.
Coverage
Most home warranty companies can tailor a plan to your needs. Think about which systems and appliances you use often and want covered. If you only want coverage for select systems or appliances (such as your air conditioning), you can often find plans to fit. 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
Usually, home warranties don't cover preexisting conditions or improper installation. Most policies only cover breakdowns from normal wear and tear. Most will also exclude appliance components or cosmetic issues, routine maintenance, theft, or defects. Your provider will outline its exclusions and limitations in your 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, Google Reviews, and Trustpilot 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 license with the state.
Contractor Network
Consider a home warranty company's service provider network. Ask where and how it sources technicians—reputable companies should always use licensed and registered contractors. Select a provider that mentions the names of familiar contractors. Homeowners in rural areas might consider choosing a home warranty that lets them select their technicians. It's important to have the option to source your own providers if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Cerritos
Is a home warranty required in Cerritos?
What are preexisting conditions?
What is Cerritos' best home warranty provider?
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 do I file a claim with my home warranty provider?
How can I maximize the value of my home warranty?
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