Are Home Warranties Worth It for Elk Grove Residents?
Home warranties are worth it for Elk Grove residents. Summers in Elk Grove 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.
Elk Grove winters are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
Even Elk Grove's irregular rain can affect your home's roof. Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair. Lastly, home warranties connect you with reliable service providers.
Reputable home warranty companies vet all their service providers. 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
Consider these key factors to determine the right home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and discovered that the average home warranty costs between $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before committing to a plan.
Coverage
You can look for a home warranty plan that covers specific systems and appliances. Decide whether you need coverage for major systems (such as air conditioning), specific appliances, or for both. Then ask your provider about its options 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 only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Additionally, home warranties don't cover cosmetic issues or appliance components, defects, theft, or routine maintenance. A provider will outline its exclusions and limitations in its service contract. Thoroughly read your contract to fully 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, Best Company, and Trustpilot or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings 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 network of service providers. Make sure you ask your company where and how it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. We recommend picking a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider choosing a home warranty that lets them select their technician. Rural areas may not have any in-network service providers available, so customers might need to source their own.
Frequently Asked Questions About Home Warranty in Elk Grove
Do I need a home warranty in Elk Grove?
What are preexisting conditions?
What is the best home warranty provider in Elk Grove?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How is a home warranty different from homeowners insurance?
How long does a home warranty typically last?
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