Are Home Warranties Worth It for Dublin Residents?
Yes, home warranties are worth it for Dublin residents. Summers in Dublin are very hot, which makes it very important to have a reliable air conditioner. However, over time this system can malfunction from heavy use.
Dublin 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 are comparatively cheaper at only $644–$737 a year, based on 120 quotes we requested from home warranty companies across the nation.
Even the infrequent rain in Dublin can damage your home's roof. The financial burden of this will be lessened if your home warranty has roof-leak coverage. Lastly, home warranties connect you with trustworthy service providers.
Reputable home warranty companies vet each service provider they work with. If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when determining the right home warranty plan for you.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost roughly $53–$62 per month. You'll also pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are generally 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
You can often find home warranty plans that cover specific appliances and systems. Determine whether you want coverage for major systems (such as air conditioning), specific appliances, or for both. Then ask your provider what its options are for customized coverage. 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 cover only normal wear and tear, which excludes improper installation and preexisting conditions. Additionally, most policies will exclude cosmetic issues or appliance components, theft, routine maintenance, or defects. Providers outline limitations and exclusions in their service contracts. Make sure you read yours carefully to fully understand the terms and conditions of your plan.
Provider Reputation
Also, consider a provider's reputation. You can also find real customer reviews on sites like Google Reviews, Best Company, and Trustpilot. Ratings and reviews can show you how providers handle claims and customer service. Check with the California Department of Consumer Affairs to verify a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Ask your provider where and how it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. We recommend picking a provider that mentions the names of familiar service contractors. Rural homeowners might prefer home warranty policies that allow customers to choose their technicians. There may not be any in-network service providers in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Dublin
Is a home warranty required in Dublin?
What are preexisting conditions?
What is Dublin's best home warranty provider?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How long does a home warranty typically last?
How can I maximize the value of my home warranty?
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