Best 6 Home Warranty Companies in Merced, CA

Are Home Warranties Worth It for Merced Residents?

Home warranties are worth it for Merced residents. Merced 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 Merced are fairly mild, but there will still be 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 nationwide.

Even Merced's irregular rain can affect your roof. Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Finally, your home warranty will connect you with service providers you can trust.

Investing in a reputable home warranty company is worth it because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can ensure that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

Think about these key factors when selecting the right home warranty plan for your needs.

Cost

We received 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost roughly $53–$62 per month. You'll also pay service call fees each time you file a claim. Service call fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Home systems coverage plans tend to cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly fee. Consider your particular needs before purchasing a plan.

Coverage

Many home warranty providers offer systems-only plans or plans for select appliances. Figure out which appliances and systems you use most often before selecting a plan. If you only need coverage for certain major systems (such as air conditioning) or specific appliances, you can find a plan that meets your needs. 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 preexisting conditions or improper installation. Additionally, home warranties don't cover appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers will outline exclusions and limitations in their service contracts. Thoroughly read your contract to ensure you understand your plan's terms and conditions.

Provider Reputation

Carefully consider a provider's reputation before choosing 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 claims and customer service. 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. Your company should always send licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. We recommend picking a provider that mentions the names of familiar service contractors. Residents of rural areas may consider home warranties that allow the customer to choose their technician. It's important to have the option to source your own provider if there are no in-network ones in your area.