Are Home Warranties Worth It for Irvine Residents?
Home warranties are worth it for Irvine residents. Summers in Irvine are very hot, which makes it very important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.
Irvine 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. Home warranties are comparatively cheaper at only $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
Even Irvine's irregular rain can affect your home's roof. Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Finally, your home warranty will connect you with trustworthy service providers.
Investing in a reputable home warranty company is worth it because companies vet their technicians. When life keeps you busy, 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
Think about the following factors to determine the best home warranty for your needs.
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 typically range from $65–$125 per claim. Comprehensive home warranty plans typically cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options increase your monthly price, so consider your particular needs before purchasing a plan.
Coverage
Determine the systems and appliances you use most often. Most home warranty providers offer customizable coverage tailored to your needs. If you only want coverage for certain systems, like your air conditioner, most companies offer systems-only plans. The same is true if you only want coverage for 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
Typically, home warranties only cover normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, routine maintenance, theft, or defects aren't covered either. Providers outline exclusions and limitations with their service contracts. Make sure you read it and understand your plan's specific terms and conditions.
Provider Reputation
Look into a provider's reputation before purchasing a plan. Check its Better Business Bureau rating. Also read customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. Reading these reviews gives 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
Consider a home warranty company's service provider network. Ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. Choose a provider that mentions the names of familiar contractors. Homeowners in rural areas might consider choosing a home warranty provider that lets customers pick their technicians. It's important 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 Irvine
Do I need a home warranty in Irvine?
What are preexisting conditions?
What is the best home warranty provider in Irvine?
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?
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