Are Home Warranties Worth It for Redding Residents?
Home warranties are worth it for Redding residents. Redding can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioner can malfunction over time from heavy use.
Redding winters can be fairly mild, but there are still times when you want to have 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. Redding's heavy 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. Finally, 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 the right home warranty plan for you.
Cost
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 range from $65–$125 per claim. Basic home warranty plans are generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know what you need before selecting a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Think about which systems and appliances you use often and would like coverage for. If you only need coverage for select systems or appliances (such as your air conditioning), you can often find plans to fit. Here 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 usually only cover breakdowns from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover cosmetic issues or appliance components, theft, routine maintenance, or defects. You can read about your provider's limitations and exclusions in your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Provider Reputation
You should also consider provider reputation. You can also find real customer reviews on sites like Trustpilot, Google Reviews, and Best Company. Reviews and ratings can show you 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
Take into account a home warranty company's service provider network. 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. If you can, use a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in Redding
Do I need a home warranty in Redding?
What are preexisting conditions?
What is the best home warranty provider in Redding?
Do home warranties cover 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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