Are Home Warranties Worth It for Coachella Residents?
Home warranties are worth it for Coachella residents. Coachella experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioner may malfunction over time from heavy use.
Coachella winters are fairly mild, but you still want a reliable heating system. Replacing your HVAC system can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. Even Coachella's irregular rain can affect your roof.
Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Lastly, a home warranty connects you with service providers you can trust. A reputable home warranty is a good investment because companies vet their technicians.
When life keeps you busy, your home warranty company can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when picking the best home warranty plan for you.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and discovered that the average home warranty costs between $53–$62 per month. There are also service call fees that apply whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as getting add-on coverage options will increase your monthly price.
Coverage
Determine the systems and appliances you use most often. Most home warranties offer customizable coverage tailored to your needs. If you only want coverage for select systems, such as your air conditioner, most companies offer systems-only plans. The same is true if you only need coverage for 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
Typically, home warranties only cover breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, defects, theft, or routine maintenance aren't covered either. Providers outline exclusions and limitations in their service contracts. Make sure you read yours carefully to fully understand your plan's terms and conditions.
Provider Reputation
Look into 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, Best Company, and Trustpilot. These reviews can give you an idea of how companies 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. The company you choose should use licensed and registered contractors to handle service requests; make sure to ask your company where and how it sources technicians. If you can, use a provider that mentions service contractors you're familiar with. Rural homeowners should consider choosing a home warranty that lets them select their technicians. You'll want the option to source your own providers if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Coachella
Do I need a home warranty in Coachella?
What are preexisting conditions?
What is Coachella's best home warranty provider?
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 do I file a claim with my home warranty provider?
How can I maximize the value of my home warranty?
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