Are Home Warranties Worth It for Hemet Residents?
Yes, home warranties are worth it for Hemet residents. Hemet experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioner can malfunction over time from heavy use.
Hemet 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, on the other hand, come in at only $644–$737 a year, based on 120 quotes we requested from home warranty companies across the nation.
Even Hemet's irregular rain can affect your home's roof. Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Finally, home warranties connect you with reliable service providers.
Reputable home warranty companies vet all their service providers. If you're busy with work or other priorities, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these key 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 an average of $53–$62 monthly. Additionally, you'll pay a service call fee every time you file a claim. Service call fees can range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know your specific needs before choosing a plan.
Coverage
Figure out which systems and appliances you use most often. You want your home warranty plan to cover these items. Most plans can be tailored 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. 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
Generally, home warranties don't cover preexisting conditions or improper installation. Most policies only cover damage from normal wear and tear. Most also exclude cosmetic issues or appliance components, defects, routine maintenance, or theft. Providers outline their exclusions and limitations in their service contracts. Read your contract thoroughly to ensure you understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another key factor to consider. You can find customer reviews on sites such as Best Company, Trustpilot, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can provide insight into how a company handles customer service and claims. Check with the California Department of Consumer Affairs to verify a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Make sure to ask where and how it sources technicians—reputable companies should always use licensed and registered contractors. Choose a provider that mentions the names of familiar contractors. Homeowners in rural areas may prefer home warranty policies that allow customers to choose their technicians. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Hemet
Is a home warranty required in Hemet?
What are preexisting conditions?
What is Hemet'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 long does a home warranty typically last?
How can I maximize the value of my home warranty?
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