Are Home Warranties Worth It for Cupertino Residents?
Yes, home warranties are worth it for Cupertino residents. Cupertino summers are very hot, which makes it very important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.
Cupertino has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of an HVAC system replacement can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 per year, based on 120 quotes we requested from home warranty companies across the nation.
Even the infrequent rain in Cupertino can damage your home's roof. The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Lastly, your home warranty will connect you with trustworthy service providers.
A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, 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 key factors when choosing the best home warranty plan for you.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 per month. Additionally, you'll pay a service call fee every time you file a claim. Service call fees range from $65–$125 per claim. A basic home warranty will be more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. Most plans give you the option of getting add-on coverage options for an additional monthly cost. Consider your specific needs before choosing a plan.
Coverage
Determine which appliances and systems you use most often. Most home warranty providers offer custom coverage tailored to your needs. If you only want coverage for select systems, such as your air conditioner, most providers offer systems-only plans. The same is true if you only want 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 normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, theft, routine maintenance, or defects are also not covered. Providers outline limitations and exclusions in their service contracts. We recommend reading carefully to fully understand the terms and conditions of your plan.
Provider Reputation
Look into a provider's reputation before selecting a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites like Best Company, Trustpilot, and Google Reviews. These reviews can give you an idea of how companies handle claims and customer service. Check with the California Department of Consumer Affairs to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's service provider network. Ask your provider where and how it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. Choose a provider that mentions service contractors you're familiar with. Homeowners in rural areas might prefer home warranty policies that allow customers to choose their technicians. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Cupertino
Is a home warranty required in Cupertino?
What are preexisting conditions?
What is the best home warranty provider in Cupertino?
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 long does a home warranty typically last?
How do I file a claim with my home warranty provider?
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