Are Home Warranties Worth It for Citrus Heights Residents?
Home warranties are worth it for Citrus Heights residents. Citrus Heights 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.
Citrus Heights 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 costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. Even the infrequent rain in Citrus Heights can damage your roof.
The financial burden of this will be lessened if your home warranty has roof-leak coverage. 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 every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors to determine the right home warranty plan for your needs.
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 a month. You'll also pay a service call fee every 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
Figure out which appliances and systems you use the most. You'll want a home warranty plan that covers these items. Most home warranties can be tailored to your needs, and many companies offer systems-only plans for those who only need select coverage (such as for air conditioning). You can also find plans that cover only select appliances. 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
Home warranties usually only cover damage 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. A provider will outline its exclusions and limitations in its service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.
Provider Reputation
Provider reputation is another key factor to consider. You can find real customer reviews on sites such as Google Reviews, Best Company, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can provide insight into how a company handles claims and customer service. Check with the California Department of Consumer Affairs to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. The provider you choose should use licensed and registered contractors to handle service requests; make sure to ask your company where and how it sources technicians. We recommend picking a provider that mentions service contractors you're familiar with. Rural homeowners may prefer home warranty policies that allow customers to choose their technicians. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Citrus Heights
Is a home warranty required in Citrus Heights?
What are preexisting conditions?
What is the best home warranty provider in Citrus Heights?
Can I get a home warranty that covers 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 do I file a claim with my home warranty provider?
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