Are Home Warranties Worth It for San Jose Residents?
Yes, home warranties are worth it for San Jose residents. San Jose experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioning system can malfunction over time from heavy use.
Winters in San Jose 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 across the nation. Even in San Jose, 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, home warranties connect you with trustworthy service providers. Reputable home warranty companies vet every service provider they use.
If life keeps you busy, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when choosing the best 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 every time you file a claim. These fees can range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before committing to a plan.
Coverage
Figure out which systems and appliances you use most often. Most home warranty plans offer customizable coverage tailored to your needs. If you only want coverage for certain 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
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Most home warranties cover only normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude cosmetic issues or appliance components, theft, defects, or routine maintenance. Providers outline limitations and exclusions with their service contracts. Make sure you read it and understand your plan's specific terms and conditions.
Provider Reputation
Also, consider provider reputation when choosing a plan. You can read customer reviews on sites like Google Reviews, Trustpilot, and Best Company or look at a company's rating with the Better Business Bureau (BBB). Ratings and reviews are a great way to assess how providers handle 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 network of service providers. Reputable home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. We recommend picking a provider that mentions service contractors you're familiar with. Homeowners in rural areas might prefer home warranty policies that allow you to choose your technician. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in San Jose
Do I need a home warranty in San Jose?
What are preexisting conditions?
What is the best home warranty provider in San Jose?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How do I file a claim with my home warranty provider?
How can I maximize the value of my home warranty?
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