Are Home Warranties Worth It for Salinas Residents?
Home warranties are worth it for Salinas residents. Summers in Salinas are very hot, which makes it extremely important that your air conditioner works well. However, this system can malfunction over time from heavy use.
Winters in Salinas are fairly mild, but you still want a reliable heating system. HVAC system replacement can cost anywhere from $2,500–$8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. Even in Salinas, over time rain can cause damage to your 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.
When life keeps you busy, 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 important factors can help you select the best home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and discovered that the average home warranty costs between $53–$62 per month. There are also service call fees that apply each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are typically more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know what you need before choosing a plan.
Coverage
Figure out which systems and appliances you use the most. You'll want a home warranty plan that covers these items. Most plans can be tailored to your needs, and many providers offer systems-only plans for homeowners that only want select coverage (such as for air conditioning). 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 normal wear and tear, which excludes improper installation and preexisting conditions. Additionally, most policies will exclude cosmetic issues or appliance components, routine maintenance, defects, or theft. A provider will outline its exclusions and limitations in your service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Provider Reputation
Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Google Reviews, Best Company, and Trustpilot. These 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.
Contractor Network
Take into account a home warranty company's network of service providers. Be sure to ask your provider how and where it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. If you can, use a provider that mentions the names of familiar service contractors. Those who live in rural areas should consider a home warranty policy that lets them choose their technician. In-network service providers may not be available in your area, so you want the option to source your own.
Frequently Asked Questions About Home Warranty in Salinas
Do I need a home warranty in Salinas?
What are preexisting conditions?
What is Salinas' best home warranty provider?
Do home warranties cover 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?
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