Are Home Warranties Worth It for Escondido Residents?
Yes, home warranties are worth it for Escondido residents. Summers in Escondido are very hot, which makes it very important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.
Escondido 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 anywhere from $2,500–$8,000. A home warranty plan is comparatively cheaper, only $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.
Even the infrequent rain in Escondido can damage your roof. The cost of repairs will be lower if your home warranty has roof-leak coverage. Lastly, your home warranty will connect you with service providers you can trust.
Investing in a reputable home warranty company is worth it because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when picking your home warranty plan.
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. You'll also pay a service call fee each time you file a claim. Service call fees typically 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
Figure out which systems and appliances you use the most. You'll want a home warranty plan that covers these items. Most plans can be tailored to your needs, and many companies offer systems-only plans for those who only need select coverage (such as for air conditioning). You can also find plans that cover only 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
Generally, home warranties don't cover preexisting conditions or improper installation. Most policies will only cover damage from normal wear and tear. Most also exclude cosmetic issues or appliance components, routine maintenance, defects, or theft. You can read about your provider's exclusions and limitations in your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Provider Reputation
Look into a provider's reputation before deciding on a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites like Trustpilot, Best Company, and Google Reviews. Reading these reviews gives 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 license with the state.
Contractor Network
Take into account a home warranty company's service provider network. Any provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company how and where it sources technicians. Choose a provider that mentions service contractors you're familiar with. Those who live 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 Escondido
Do I need a home warranty in Escondido?
What are preexisting conditions?
What is the best home warranty provider in Escondido?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How can I maximize the value of my home warranty?
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