Are Home Warranties Worth It for Santa Clara Residents?
Home warranties are worth it for Santa Clara residents. Summers in Santa Clara are very hot, which makes it extremely important that your air conditioner works well. However, over time this system can malfunction from heavy use.
Santa Clara has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. A home warranty plan is comparatively cheaper, only $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
Even Santa Clara's irregular rain can affect your roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Finally, home warranties connect you with trusted service providers.
Reputable home warranty companies vet all their service providers. If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when picking the right 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 a month. You'll also pay a service call fee every time you file a claim. These fees typically range from $65–$125 per claim. Basic home warranty plans generally cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Consider your specific needs before choosing a plan, as add-on coverage options will increase your monthly price.
Coverage
Determine which systems and appliances you use most often. Most home warranties offer custom coverage tailored to your needs. If you only need coverage for select systems, such as your air conditioner, most companies offer systems-only plans. The same is true if you only want coverage for certain 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
Generally, home warranties only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, theft, routine maintenance, or defects are also not covered. Each provider will outline its limitations and exclusions in your service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.
Provider Reputation
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. Looking at reviews can give you a sense of how companies 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. Your provider should always use licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. Select a provider that mentions service contractors you're familiar with. 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 Santa Clara
Do I need a home warranty in Santa Clara?
What are preexisting conditions?
What is the best home warranty provider in Santa Clara?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How long does a home warranty typically last?
How do I file a claim with my home warranty provider?
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