Are Home Warranties Worth It for San Jacinto Residents?
Home warranties are worth it for San Jacinto residents. San Jacinto summers are very hot, which makes it very important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.
Winters in San Jacinto 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 San Jacinto'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 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 ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when selecting the right home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost approximately $53–$62 per month. There are also service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. You can often get add-on coverage for an additional monthly cost. Be sure you know what you need before choosing a plan.
Coverage
Figure out which appliances and systems you use most often. You want your home warranty plan to cover these items. Most plans can be tailored to your needs, and many companies offer systems-only plans for those who 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
Home warranties usually only cover breakdowns from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies will also not cover cosmetic issues or appliance components, defects, routine maintenance, or theft. Each provider outlines exclusions and limitations within its service contract. We recommend reading it to understand your plan's exact terms and conditions.
Provider Reputation
Carefully consider a provider's reputation before choosing a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Google Reviews, Best Company, and Trustpilot. Reading these reviews gives you an idea of how companies handle claims and customer service. Check with the California Department of Consumer Affairs to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's service provider network. The provider you choose should use licensed and registered contractors to handle service requests; make sure to ask your company where and how it sources technicians. Choose a provider that mentions service contractors you're familiar with. Homeowners in rural areas might 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 San Jacinto
Is a home warranty required in San Jacinto?
What are preexisting conditions?
What is San Jacinto's best home warranty provider?
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 can I maximize the value of my home warranty?
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