Are Home Warranties Worth It for Santa Cruz Residents?
Home warranties are worth it for Santa Cruz residents. Santa Cruz experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioning system may malfunction over time from heavy use.
Winters in Santa Cruz can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we requested from home warranty companies nationwide.
The regular rain in Santa Cruz can damage your home's roof. The cost of repairs will be lower if your home warranty has roof-leak coverage. Finally, 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 all their service providers.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when selecting the right home warranty plan for you.
We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of approximately $65–$125 whenever you file a claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before committing to a plan.
You can often find home warranty plans that cover specific systems and appliances. Determine whether you need coverage for major systems (such as 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
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Home warranties typically only cover normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover appliance components or cosmetic issues, theft, defects, or routine maintenance. Each provider will outline its exclusions and limitations in your service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Google Reviews, Best Company, and Trustpilot. Looking at reviews can give you a sense of how companies handle customer service and claims. Check with the California Department of Consumer Affairs to verify the status of a provider's state license.
Consider a home warranty company's service provider network. Providers should always send licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. Select a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider going with a home warranty provider that customers choose their technician. There may be no in-network service providers available in these areas, so customers may need to source their own.
Frequently Asked Questions About Home Warranty in Santa Cruz
Do I need a home warranty in Santa Cruz?
What are preexisting conditions?
What is Santa Cruz'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 long does a home warranty typically last?
How can I maximize the value of my home warranty?
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