Are Home Warranties Worth It for Oakland Residents?
Home warranties are worth it for Oakland residents. Oakland summers are very hot, which makes it extremely important that your air conditioner works well. However, over time this system can malfunction from heavy use.
Oakland 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. Home warranties, on the other hand, come in at only $644–$737 annually, based on 120 quotes we requested from home warranty companies nationwide.
Even the infrequent rain in Oakland can damage your home's roof. The financial burden of this will be lessened 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 every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when choosing the best home warranty plan for you.
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 approximately $65–$125 whenever you file a claim. Basic home warranty plans are generally 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 your specific needs before choosing a plan.
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 select systems, such as your air conditioner, most companies offer systems-only plans. The same is true if you only need coverage for select appliances. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Home warranties generally only cover breakdowns from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover appliance components or cosmetic issues, defects, theft, or routine maintenance. Each provider outlines exclusions and limitations within its service contract. Make sure you read it and understand your plan's specific terms and conditions.
Look into a provider's reputation before deciding on a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. These reviews can give you an idea of how companies handle claims and customer service. Check with the California Department of Consumer Affairs to verify a provider's state license.
Consider a home warranty company's network of service providers. Make sure to ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. Select a provider that mentions the names of familiar contractors. Residents of rural areas should consider going with a home warranty provider that customers choose their technician. Rural areas may not have any in-network service providers available, so customers may need to source their own.
Frequently Asked Questions About Home Warranty in Oakland
Do I need a home warranty in Oakland?
What are preexisting conditions?
What is the best home warranty provider in Oakland?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How do I file a claim with my home warranty provider?
How can I maximize the value of my home warranty?
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