Are Home Warranties Worth It for Rancho Cordova Residents?
Home warranties are worth it for Rancho Cordova residents. Summers in Rancho Cordova are very hot, which makes it extremely important that your air conditioner is working well. However, this system can malfunction over time from heavy use.
Rancho Cordova winters are fairly mild, but you still want a reliable heating system. Replacing your HVAC system can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. Even the infrequent rain in Rancho Cordova can damage your home's roof.
The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Finally, a home warranty connects you with trustworthy service providers. Investing in a reputable home warranty company is worth it because companies vet their technicians.
When life keeps you busy, your home warranty provider can ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when choosing the best home warranty plan for you.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You'll also pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranty plans generally cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options increase your monthly price, so consider your specific needs before purchasing a plan.
Coverage
Figure out which appliances and systems you use the most. Most home warranty providers offer custom coverage tailored to your needs. If you only need coverage for select systems, like 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
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Home warranties generally only cover normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies will also not cover cosmetic issues or appliance components, routine maintenance, theft, or defects. Each provider outlines exclusions and limitations within its service contract. We recommend reading it to understand your protection plan's exact terms and conditions.
Provider Reputation
You should also consider a provider's reputation. You can also find customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. Reviews and ratings can show you how a company handles 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 network of service providers. The company you choose should use licensed and registered contractors to handle service requests; make sure to ask your company how and where it sources technicians. Select a provider that mentions service contractors you're familiar with. Homeowners in rural areas might 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 Rancho Cordova
Is a home warranty required in Rancho Cordova?
What are preexisting conditions?
What is the best home warranty provider in Rancho Cordova?
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 is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
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