Are Home Warranties Worth It for Montclair Residents?
Yes, home warranties are worth it for Montclair residents. Summers in Montclair 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 Montclair 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 coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies across the nation. Even the infrequent rain in Montclair can damage your home's roof.
The cost of repairs will be lower if your home warranty has roof-leak coverage. Lastly, home warranties connect you with reliable technicians. When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs.
Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when picking your home warranty plan.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home. From this we determined that home warranties cost an average of $53–$62 per month. Additionally, you'll pay a service call fee of between $65–$125 every time you file a claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before choosing a plan.
Coverage
Figure out which 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, such as your air conditioner, most providers offer systems-only plans. The same is true if you only want coverage for certain appliances. The following 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, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude cosmetic issues or appliance components, defects, theft, or routine maintenance. Providers outline limitations and exclusions with their service contracts. We recommend reading it to understand your plan's exact 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 the status of a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Any provider you choose should use licensed and registered contractors to handle service requests; make sure to ask your company where and how it sources technicians. We recommend picking a provider that mentions service contractors you're familiar with. Residents of rural areas may prefer a home warranty that lets them choose their technician. You may need to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Montclair
Is a home warranty required in Montclair?
What are preexisting conditions?
What is Montclair's 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 can I maximize the value of my home warranty?
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