Are Home Warranties Worth It for Livermore Residents?
Home warranties are worth it for Livermore residents. Livermore summers are very hot, which makes it very important to have a reliable air conditioner. However, over time this system can malfunction from heavy use.
Winters in Livermore are fairly mild, but you still want a reliable heating system. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. Even Livermore'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 trusted service providers. Reputable home warranty companies vet each service provider they work with.
If life keeps you busy, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when picking the right home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home. From this we determined that the average home warranty cost is $53–$62 per month. Additionally, you'll pay a service call fee of roughly $65–$125 each time you file a claim. Basic home warranty plans typically cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Consider your specific needs before choosing a plan, as getting add-on coverage options will increase your monthly price.
Coverage
You can look for a home warranty plan that covers specific systems and appliances. Decide 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. 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
Most home warranties only cover normal wear and tear. They don't cover improper installation or preexisting conditions. In addition, home warranties don't cover cosmetic issues or appliance components, theft, routine maintenance, or defects. Providers outline exclusions and limitations with their service contracts. We recommend reading it to understand your protection plan's exact terms and conditions.
Provider Reputation
Look into a provider's reputation before committing to a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. Reading these reviews gives you an idea of how providers handle customer service and claims. Check with the California Department of Consumer Affairs to verify that a provider holds a license with the state.
Contractor Network
Take into account a home warranty company's service provider network. Providers should always send licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. If you can, use a provider that mentions service contractors you're familiar with. Rural homeowners might prefer home warranty policies with the option to choose their technicians. In-network service providers may be unavailable in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Livermore
Do I need a home warranty in Livermore?
What are preexisting conditions?
What is Livermore's best home warranty provider?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty 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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