Are Home Warranties Worth It for Sacramento Residents?
Yes, home warranties are worth it for Sacramento residents. Sacramento summers 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.
Sacramento 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 between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.
Even Sacramento's irregular rain can affect your home's roof. Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Lastly, a home warranty connects you with trustworthy service providers.
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 company can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you determine the right 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 a month. You'll also pay a service call fee each time you file a claim. Service call fees range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before choosing a plan.
Figure out which appliances and systems you use most often. Most home warranty providers offer custom coverage tailored to your needs. If you only want coverage for select systems, such as your air conditioner, most companies offer systems-only plans. The same is true if you only want coverage for select appliances. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Home warranties usually only cover breakdowns from normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover appliance components or cosmetic issues, routine maintenance, defects, or theft. Providers outline their exclusions and limitations in their service contracts. Read your contract thoroughly to make sure you understand your plan's terms and conditions.
Also, consider a provider's reputation when making a decision. You can read customer reviews on sites such as Best Company, Trustpilot, and Google Reviews or look at a company's rating with the Better Business Bureau (BBB). 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 a provider's state license.
Take into account a home warranty company's service provider network. Companies should always send licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. We recommend picking a provider that mentions the names of familiar service contractors. Rural homeowners may prefer home warranty policies that allow customers to choose their technicians. In-network service providers may be unavailable in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Sacramento
Do I need a home warranty in Sacramento?
What are preexisting conditions?
What is the best home warranty provider in Sacramento?
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 long does a home warranty typically last?
How can I maximize the value of my home warranty?
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