Are Home Warranties Worth It for Rocklin Residents?
Home warranties are worth it for Rocklin residents. Summers in Rocklin can have some very hot days, which means it's important that your air conditioner is working well. However, over time this system can malfunction from heavy use.
Rocklin also has cold winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range anywhere from $2,500–$8,000. Home warranties, on the other hand, come in at only $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.
The regular rain in Rocklin can damage your home's roof. Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, your home warranty will connect you with service providers you can trust.
Investing in a reputable home warranty company is worth it because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you choose the best home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty cost is $53–$62 per month. Additionally, you'll pay a service call fee of roughly $65–$125 each time you file a claim. Basic home warranty plans typically cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options increase your monthly price, so consider your particular needs before purchasing a plan.
Coverage
Figure out which appliances and systems you use most often. You'll want a home warranty plan that covers these items. Most plans can be customized to your needs, and many providers offer systems-only plans for those who only need select coverage (such as for heating). You can also find plans that cover only select appliances. 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
Most home warranties only cover breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. In addition, home warranties don't cover appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers will outline limitations and exclusions in their service contracts. Thoroughly read your contract to make sure you understand the terms and conditions of your plan.
Provider Reputation
Also, consider a provider's reputation when making a decision. You can find customer reviews on sites such as Trustpilot, Google Reviews, and Best Company or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to learn how providers handle customer service and claims. Check with the California Department of Consumer Affairs to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Reliable home warranty providers source licensed and registered contractors to fulfill service requests. We suggest asking a provider where and how it sources technicians. If you can, use a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider a home warranty policy that allows the customer to choose their technician. Rural areas may not have any in-network service providers available, so customers might need to source their own.
Frequently Asked Questions About Home Warranty in Rocklin
Do I need a home warranty in Rocklin?
What are preexisting conditions?
What is the best home warranty provider in Rocklin?
Can I get a home warranty that covers other types of home items?
Why do home warranties have a waiting period before coverage begins?
How is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.