Are Home Warranties Worth It for Fontana Residents?
Yes, home warranties are worth it for Fontana residents. Fontana experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioning system may malfunction over time from heavy use.
Fontana 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 anywhere from $2,500–$8,000. Home warranties are comparatively cheaper at only $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.
Even in Fontana, over time rain can damage your home's roof. Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, a home warranty connects you with trustworthy service providers.
A reputable home warranty is a good investment because companies vet their technicians. If you don't have time to do the research yourself, your home warranty company can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when determining the right home warranty plan for you.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost approximately $53–$62 monthly. You'll also pay a service call fee whenever you file a claim. These fees can range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before choosing a plan.
Coverage
Figure out which systems and appliances you use the most. You want your home warranty plan to cover these items. Most home warranties can be customized to your needs, and many companies offer systems-only plans for homeowners that 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
Home warranties typically only cover damage from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover cosmetic issues or appliance components, routine maintenance, defects, or theft. You can read about your provider's limitations and exclusions within your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Provider Reputation
Consider a provider's reputation before deciding on a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. These reviews can give you an idea of how companies 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 service provider network. Providers should always send licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. Choose a provider that mentions service contractors you're familiar with. Residents of rural areas may consider choosing a home warranty that lets them choose their technicians. It's good to have the option to source your own providers if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Fontana
Do I need a home warranty in Fontana?
What are preexisting conditions?
What is Fontana'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 is a home warranty different from homeowners insurance?
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