Are Home Warranties Worth It for Modesto Residents?
Home warranties are worth it for Modesto residents. Modesto experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioner can malfunction over time from heavy use.
Modesto 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 are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
Even in Modesto, over time rain can damage your home's roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, home warranties connect you with trustworthy service providers.
When life is keeping you busy, you want to know that a reliable technician is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when selecting your home warranty plan.
Cost
We pulled 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. You'll also pay a service call fee of between $65–$125 whenever you file a claim. Comprehensive home warranty plans generally cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as getting add-on coverage options will raise the monthly price.
Coverage
Determine the appliances and systems you use most frequently. Most home warranty providers offer customizable coverage tailored to your needs. If you only need coverage for certain systems, like your air conditioner, most companies offer systems-only plans. The same is true if you only want coverage for 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, defects, theft, or routine maintenance. Providers will outline exclusions and limitations in their service contracts. Read your contract thoroughly to make sure you understand your plan's terms and conditions.
Provider Reputation
Also, consider provider reputation when making a decision. You can find customer reviews on sites such as Best Company, Google Reviews, and Trustpilot or look at a company's Better Business Bureau (BBB) rating. Ratings and reviews are a great way to see 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
Consider a home warranty company's service provider network. Make sure to ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. Select a provider that mentions the names of familiar contractors. Homeowners in rural areas should consider a home warranty that allows you to choose your technician. You may not have any in-network service providers in your area, so you'll need the option to source your own.
Frequently Asked Questions About Home Warranty in Modesto
Is a home warranty required in Modesto?
What are preexisting conditions?
What is Modesto'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 long does a home warranty typically last?
To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.