Are Home Warranties Worth It for Pasadena Residents?
Yes, home warranties are worth it for Pasadena residents. Pasadena experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioning system can malfunction over time from heavy use.
Pasadena 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 anywhere from $2,500–$8,000. Home warranties are comparatively cheaper at only $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
Even in Pasadena, over time rain can damage your home's roof. Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, home warranties connect you with trustworthy service providers.
Reputable home warranty companies vet each service provider they work with. If life keeps you busy, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you choose the best home warranty plan for your needs.
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 monthly. You'll also pay a service call fee whenever you file a claim. These fees can range from $65–$125 per claim. Comprehensive home warranty plans generally cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options raise the monthly cost, so consider your particular needs before purchasing a plan.
Most home warranty companies can tailor a plan to your needs. Think about which appliances and systems you use often and would like covered. If you only need coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Typically, home warranties only cover breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, theft, defects, or routine maintenance aren't covered either. Providers outline their limitations and exclusions in their service contracts. Read your contract thoroughly to make sure you understand your plan's terms and conditions.
Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Google Reviews, Best Company, and Trustpilot. Looking at reviews can give you a sense of how companies handle customer service and claims. Check with the California Department of Consumer Affairs to verify that a provider holds a valid state license.
Consider a home warranty company's service provider network. The provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company where and how it sources technicians. We recommend picking a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider a home warranty policy that lets them choose their technician. You may not have any in-network service providers in your area, so you'll need the option to source your own.