Are Home Warranties Worth It for San Mateo Residents?
Home warranties are worth it for San Mateo residents. San Mateo can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioning system can malfunction over time from heavy use.
Winters in San Mateo are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we requested from home warranty companies nationwide.
Even San Mateo's irregular rain can affect your home's roof. Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair. Finally, home warranties connect you with trustworthy service providers.
When life is keeping you busy, you want to know that a reliable technician is handling your repairs. Reputable home warranty companies vet every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors to determine the best home warranty for your needs.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $53–$62 per month. You also have to pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know your specific needs before selecting a plan.
Coverage
You can often find home warranty plans that cover specific systems and appliances. Determine whether you need coverage for major systems (like air conditioning), specific appliances, or for both. Then ask your provider about its options for customized coverage. 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
Usually, home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, defects, routine maintenance, or theft aren't covered either. Providers outline exclusions and limitations in their service contracts. We recommend reading carefully to fully understand the terms and conditions of your plan.
Provider Reputation
You should also consider a provider's reputation. You can also browse real customer reviews on sites like Trustpilot, Best Company, and Google Reviews. Ratings and reviews can show how providers handle claims and customer service. Check with the California Department of Consumer Affairs to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Ask your provider how and where it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. Select a provider that mentions the names of familiar service contractors. Residents of rural areas should consider going with a home warranty provider that customers choose their technician. Rural areas may not have any in-network service providers available, and customers may need to source their own.
Frequently Asked Questions About Home Warranty in San Mateo
Is a home warranty required in San Mateo?
What are preexisting conditions?
What is San Mateo's best home warranty provider?
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?
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