Are Home Warranties Worth It for El Monte Residents?
Home warranties are worth it for El Monte residents. Summers in El Monte are very hot, which makes it extremely important that your air conditioner works well. However, over time this system can malfunction from heavy use.
El Monte 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. A home warranty plan is comparatively cheaper, only $644–$737 per year, based on 120 quotes we requested from home warranty companies across the nation.
Even the infrequent rain in El Monte can damage your home's roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Finally, 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 ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Think about the following factors to determine the best home warranty for your needs.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost an average of $53–$62 per month. You'll also pay a service call fee whenever you file a claim. Service call fees typically range from $65–$125 per claim. Comprehensive home warranty plans generally cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options raise the monthly cost, so consider your particular needs before purchasing a plan.
Coverage
Figure out which systems and appliances you use the most. Most home warranties offer customizable coverage tailored to your needs. If you only need coverage for select systems, such as your air conditioner, most companies offer systems-only plans. The same is true if you only need 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
Usually, home warranties don't cover preexisting conditions or improper installation. Most policies only cover damage from normal wear and tear. Most will also exclude appliance components or cosmetic issues, defects, routine maintenance, or theft. Providers outline limitations and exclusions in their service contracts. We recommend reading carefully to fully understand your plan's terms and conditions.
Provider Reputation
Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. Reading reviews can show you how companies 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 service provider network. Make sure you ask your provider how and where it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. Select a provider that mentions service contractors you're familiar with. Those residing in rural areas should consider a home warranty policy that lets them choose their technician. In-network service providers may not be available in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in El Monte
Do I need a home warranty in El Monte?
What are preexisting conditions?
What is El Monte'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 do I file a claim with my home warranty provider?
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