Are Home Warranties Worth It for Lancaster Residents?
Home warranties are worth it for Lancaster residents. Summers in Lancaster are very hot, which makes it very important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.
Lancaster winters 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 annually, based on 120 quotes we received from home warranty companies across the nation.
Even Lancaster's irregular rain can affect your home's roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Finally, home warranties connect you with reliable technicians.
When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Consider the following factors to determine the right home warranty plan for your needs.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and found that the average home warranty costs between $53–$62 per month. There are also service call fees that apply whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are typically more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know what you need before selecting a plan.
Coverage
You can look for a home warranty plan that covers specific systems and appliances. Determine whether you want coverage for major systems (like air conditioning), specific appliances, or for both. Then ask your provider about its options for customized coverage. 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
Most home warranties only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. Additionally, home warranties don't cover cosmetic issues or appliance components, routine maintenance, defects, or theft. Each provider outlines exclusions and limitations within its service contract. We recommend reading it to understand your protection plan's exact terms and conditions.
Provider Reputation
Look into 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 Google Reviews, Best Company, and Trustpilot. 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 that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's network of service providers. Be sure to ask your company how and where it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. If you can, use a provider that mentions the names of familiar service contractors. Rural homeowners 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 Lancaster
Do I need a home warranty in Lancaster?
What are preexisting conditions?
What is Lancaster's best home warranty provider?
Can I get a home warranty that covers 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?
How do I file a claim with my home warranty provider?
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