Are Home Warranties Worth It for San Ramon Residents?
Yes, home warranties are worth it for San Ramon residents. San Ramon summers are very hot, which makes it very important for your air conditioner to work properly. However, this system can malfunction over time from heavy use.
Winters in San Ramon 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 across the nation.
Even in San Ramon, over time rain can damage your home's roof. Some home warranty companies offer limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, home warranties connect you with reliable technicians.
When work and other priorities keep you busy, you want to know a trustworthy service provider 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 when picking the best home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost approximately $53–$62 per month. You'll also pay service call fees each time you file a claim. Service call fees range from $65–$125 per claim. Basic home warranty plans are generally more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Many plans have add-on coverage options, but this will increase your monthly cost, so 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. Decide whether you need coverage for major systems (like air conditioning), specific appliances, or both. Then ask your provider about its options for customized coverage. 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 only cover normal wear and tear. They don't cover improper installation or preexisting conditions. Additionally, home warranties don't cover appliance components or cosmetic issues, defects, routine maintenance, or theft. Each provider will outline its limitations and exclusions in its service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Provider Reputation
Look into a provider's reputation before selecting a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Reading these reviews gives you an idea of 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. Ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. We recommend picking a provider that mentions contractors you're familiar with. Homeowners in rural areas might prefer a home warranty that lets them choose their technician. You may need to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in San Ramon
Is a home warranty required in San Ramon?
What are preexisting conditions?
What is San Ramon's best home warranty provider?
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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