Are Home Warranties Worth It for Covina Residents?
Home warranties are worth it for Covina residents. Covina experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioning system can malfunction over time from heavy use.
Covina winters are fairly mild, but you still want a reliable heating system. HVAC system replacement 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 Covina's irregular rain can affect your home's roof.
Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Lastly, a home warranty connects you with trustworthy service providers. Investing in a reputable home warranty company is worth it because companies vet their technicians.
If you're focused on work or other priorities, your home warranty provider can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Think about the following factors when selecting the right home warranty plan for your needs.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $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 warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before choosing a plan.
Coverage
Determine the systems and appliances you use most often. Most home warranty plans offer customizable coverage tailored to your needs. If you only want coverage for certain systems, such as your air conditioner, most companies offer systems-only plans. The same is true if you only want coverage for certain 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
Typically, home warranties don't cover preexisting conditions or improper installation. Most policies only cover breakdowns from normal wear and tear. Most also exclude cosmetic issues or appliance components, theft, defects, or routine maintenance. Providers outline their exclusions and limitations in their service contracts. Thoroughly read your contract to ensure you understand your plan's terms and conditions.
Provider Reputation
Also, consider provider reputation when making a decision. You can find 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 see how providers handle customer service and claims. 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 service provider network. Ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. Select a provider that mentions the names of familiar contractors. Rural homeowners may prefer home warranty policies that allow you to choose your technician. 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 Covina
Is a home warranty required in Covina?
What are preexisting conditions?
What is Covina's 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 is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
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