Are Home Warranties Worth It for Colton Residents?
Home warranties are worth it for Colton residents. Colton summers 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.
Colton has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of replacing your HVAC system can range between $2,500 and $8,000. Home warranties, on the other hand, come in at only $644–$737 a year, based on 120 quotes we requested from home warranty companies across the nation.
Even in Colton, over time rain can cause damage to your roof. Some home warranty companies offer limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, home warranties connect you with trusted service providers.
Reputable home warranty companies vet every service provider they use. If you're busy with work or other priorities, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when selecting the best home warranty for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and found 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 warranty plans tend to be more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know what you need before selecting a plan.
Coverage
Figure out which appliances and systems you use most often. You'll want a home warranty plan that covers these items. Most plans can be customized to your needs, and many providers offer systems-only plans for those who only want select coverage (such as for air conditioning). You can also find plans that cover only 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
Most home warranties only cover breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. In addition, home warranties don't cover cosmetic issues or appliance components, theft, defects, or routine maintenance. Each provider outlines exclusions and limitations within its service contract. Make sure you read it and understand your protection plan's exact terms and conditions.
Provider Reputation
Also, consider a provider's reputation when choosing a plan. You can read customer reviews on sites such as Google Reviews, Trustpilot, and Best Company or look at a company's rating with the Better Business Bureau (BBB). Ratings and reviews are a great way to assess how providers handle claims and customer service. Check with the California Department of Consumer Affairs to verify a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Any company you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company where and how it sources technicians. Choose a provider that mentions the names of familiar service contractors. Rural homeowners should consider choosing a home warranty that lets them pick 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 Colton
Do I need a home warranty in Colton?
What are preexisting conditions?
What is Colton'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 is a home warranty different from homeowners insurance?
How long does a home warranty typically last?
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