Are Home Warranties Worth It for Fresno Residents?
Yes, home warranties are worth it for Fresno residents. Fresno summers are very hot, which makes it extremely important that your air conditioner works well. However, this system can malfunction over time from heavy use.
Winters in Fresno can be fairly mild, but there are still times when you want to have a reliable heating system. HVAC system replacement can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. Even the infrequent rain in Fresno can damage your roof.
The cost of repairs will be lower if your home warranty has roof-leak coverage. Finally, your home warranty will connect you with service providers you can trust. A reputable home warranty is a good investment because companies vet their technicians.
When life keeps you busy, your home warranty company can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when picking the best home warranty plan for you.
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 each time you file a claim. These fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before committing to a plan.
Determine the systems and appliances you use most frequently. Most home warranty plans offer custom coverage tailored to your needs. If you only need coverage for select systems, like your air conditioner, most companies offer systems-only plans. The same is true if you only need coverage for select appliances. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Usually, home warranties only cover normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, defects, routine maintenance, or theft aren't covered either. Providers outline their exclusions and limitations in their service contracts. Thoroughly read your contract to make sure you understand your plan's terms and conditions.
Provider reputation is another important factor to consider. You can browse customer reviews on sites like Best Company, Trustpilot, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can give you insight into how a company handles claims and customer service. Check with the California Department of Consumer Affairs to verify that a provider holds a valid state license.
Take into account a home warranty company's network of service providers. Your company should always send licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. Choose a provider that mentions the names of familiar service contractors. Rural homeowners should consider a home warranty policy that allows the customer to choose their technician. Rural areas may not have any in-network service providers available, so customers might need to source their own.