Are Home Warranties Worth It for Milpitas Residents?
Yes, home warranties are worth it for Milpitas residents. Summers in Milpitas are very hot, which makes it extremely important that your air conditioner is working well. However, this system can malfunction over time from heavy use.
Milpitas 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 between $2,500 and $8,000. A home warranty plan is comparatively cheaper, only $644–$737 per year, based on 120 quotes we requested from home warranty companies across the nation.
Even the infrequent rain in Milpitas can damage your home's roof. The financial burden of this will be lessened if your home warranty has roof-leak coverage. Lastly, a home warranty connects you with trustworthy service providers.
Investing in a reputable home warranty company is worth it because companies vet their technicians. If you don't have time to do the research yourself, your home warranty company can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when choosing your home warranty plan.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. You also have to pay service call fees 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. You can often get add-on coverage for an additional monthly cost. Be sure you know what you need before choosing a plan.
Coverage
You can look for a home warranty plan that covers specific appliances and systems. Decide whether you need 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
Usually, home warranties don't cover preexisting conditions or improper installation. Most policies will only cover breakdowns from normal wear and tear. Most will also exclude cosmetic issues or appliance components, defects, theft, 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
Provider reputation is another key factor to consider. You can read customer reviews on sites such as Google Reviews, Trustpilot, and Best Company or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can give you insight into how a company handles claims and customer service. Check with the California Department of Consumer Affairs to verify a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Your company should always use licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. Choose a provider that mentions the names of familiar service contractors. Rural homeowners might prefer home warranty policies with the option to choose their technicians. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Milpitas
Do I need a home warranty in Milpitas?
What are preexisting conditions?
What is Milpitas' 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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