Are Home Warranties Worth It for El Dorado Hills Residents?
Home warranties are worth it for El Dorado Hills residents. Summers in El Dorado Hills can get hot, which makes it important to have a reliable air conditioner. However, over time this system can malfunction due to breakdowns from regular wear and tear.
El Dorado Hills winters are very cold, meaning you rely on your heating system often. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. El Dorado Hills' regular rain showers can also affect your roof.
Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair. Finally, home warranties connect you with trusted service providers. Reputable home warranty companies vet all their service providers.
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
Think about these important factors when choosing the best home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and determined 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. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options increase your monthly price, so consider your specific needs before purchasing a plan.
Coverage
Most home warranty companies can tailor a plan to your needs. Think about which systems and appliances you use often and want coverage for. If you only need coverage for select systems or appliances (such as your heating), you can often find plans to fit. 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 normal wear and tear, which excludes improper installation and preexisting conditions. Additionally, most policies will exclude cosmetic issues or appliance components, defects, theft, or routine maintenance. Providers outline limitations and exclusions within their service contracts. We recommend reading carefully to fully understand your plan's terms and conditions.
Provider Reputation
Also, consider a provider's reputation when choosing a plan. You can read customer reviews on sites like Best Company, Trustpilot, and Google Reviews or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to assess how providers 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. Ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. We recommend picking a provider that mentions contractors you're familiar with. Homeowners in rural areas might prefer home warranty policies that allow customers to choose their technicians. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in El Dorado Hills
Is a home warranty required in El Dorado Hills?
What are preexisting conditions?
What is El Dorado Hills' 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 can I maximize the value of my home warranty?
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