Are Home Warranties Worth It for French Valley Residents?
Yes, home warranties are worth it for French Valley residents. French Valley experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioner may malfunction over time from heavy use.
Winters in French Valley are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.
Even French Valley's irregular rain can affect your roof. Some home warranty companies offer limited roof-leak coverage to financially assist with 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're focused on work or other priorities, your home warranty company can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when choosing the best home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You'll also pay service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. Basic home warranty plans generally 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
Determine the appliances and systems you use most often. Most home warranty providers 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. 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
Typically, home warranties don't cover preexisting conditions or improper installation. Most policies will only cover damage from normal wear and tear. Most will also exclude cosmetic issues or appliance components, defects, theft, or routine maintenance. Providers will outline limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand your plan's terms and conditions.
Provider Reputation
Also, consider a provider's reputation. You can also read real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. Reviews and ratings can show how providers handle claims and customer service. Check with the California Department of Consumer Affairs to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Make sure to ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. Select a provider that mentions contractors you're familiar with. Those who live in rural areas should consider a home warranty that allows you to choose your technician. You may not have any in-network service providers in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in French Valley
Is a home warranty required in French Valley?
What are preexisting conditions?
What is French Valley'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 long does a home warranty typically last?
How can I maximize the value of my home warranty?
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