Are Home Warranties Worth It for Madera Residents?
Yes, home warranties are worth it for Madera residents. Madera summers are very hot, which makes it very important for your air conditioner to work properly. However, this system can malfunction over time from heavy use.
Winters in Madera can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
Even the infrequent rain in Madera can damage your home's roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Finally, home warranties connect you with trusted 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
Consider these key factors when picking the best 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 roughly $53–$62 a month. Additionally, you'll pay a service call fee each time you file a claim. These fees can range from $65–$125 per claim. Basic home warranty plans tend to be 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 your specific needs before choosing a plan.
Coverage
Figure out which appliances and systems you use most often. You want your home warranty plan to cover these items. Most plans can be tailored to your needs, and many providers offer systems-only plans for homeowners that only want 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
Most home warranties cover only normal wear and tear, which excludes improper installation and preexisting conditions. Most policies also exclude appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers outline their exclusions and limitations in their service contracts. Read your contract thoroughly to ensure you understand the terms and conditions of your plan.
Provider Reputation
Also, consider provider reputation. You can also read real customer reviews on sites such as Google Reviews, Best Company, and Trustpilot. Reviews and ratings can show 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.
Contractor Network
Consider a home warranty company's network of service providers. Trustworthy home warranty providers source licensed and registered contractors to fulfill service requests. We suggest asking a provider where and how it sources technicians. Choose a provider that mentions service contractors you're familiar with. Rural homeowners might prefer a home warranty that lets them choose their technician. You'll want to be able to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Madera
Do I need a home warranty in Madera?
What are preexisting conditions?
What is the best home warranty provider in Madera?
Do home warranties cover 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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