Are Home Warranties Worth It for Palm Desert Residents?
Home warranties are worth it for Palm Desert residents. Summers in Palm Desert are very hot, which makes it very important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.
Palm Desert winters 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 are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we requested from home warranty companies across the nation.
Even Palm Desert's irregular rain can affect your home's roof. Some home warranty companies offer limited roof-leak coverage to financially assist with repair. 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
Think about these important 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 roughly $65–$125 whenever you file a claim. A basic home warranty is more affordable than a comprehensive one. Appliance plans are typically less expensive than home systems coverage plans. Most plans offer add-on coverage options for an additional monthly cost. Consider your specific needs before committing to a plan.
Coverage
Figure out which systems and appliances you use most often. Most home warranty plans offer customizable coverage tailored to your needs. If you only want coverage for select 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 cover only normal wear and tear, which excludes improper installation and preexisting conditions. Additionally, most policies will exclude appliance components or cosmetic issues, defects, routine maintenance, or theft. Each provider will outline its limitations and exclusions in its service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another key factor to consider. You can find real customer reviews on sites like Trustpilot, Google Reviews, 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. 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. Rural homeowners should consider a home warranty policy that allows the customer to choose their technician. There may be no in-network service providers available in these areas, so customers may need to source their own.
Frequently Asked Questions About Home Warranty in Palm Desert
Is a home warranty required in Palm Desert?
What are preexisting conditions?
What is the best home warranty provider in Palm Desert?
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?
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