Are Home Warranties Worth It for Santa Rosa Residents?
Home warranties are worth it for Santa Rosa residents. Santa Rosa can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioner may malfunction over time from heavy use.
Winters in Santa Rosa are fairly mild, but you still want a reliable heating system. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. Santa Rosa's regular rain showers can also affect your home's roof.
Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Finally, a home warranty connects you with trustworthy service providers. Investing in a reputable home warranty company is worth it because companies vet their technicians.
If you're focused on work or other priorities, your home warranty company can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when picking the best home warranty plan for you.
Cost
We received 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 typically cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options raise the monthly cost, so consider your particular needs before purchasing a plan.
Coverage
Many home warranty companies offer plans for select appliances or systems. Figure out which systems and appliances you use most often before selecting a plan. If you only want to cover certain major systems (like air conditioning) or specific appliances, you can find a plan that meets your needs. 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
Typically, 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, theft, or routine maintenance are also not covered. Providers outline limitations and exclusions with their service contracts. We recommend reading it to understand your plan's specific terms and conditions.
Provider Reputation
Consider a provider's reputation before committing to a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. These reviews can give you an idea of how providers handle claims and customer service. Check with the California Department of Consumer Affairs to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's network of service providers. Ask your provider where and how it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. Select a provider that mentions service contractors you're familiar with. Residents of rural areas might opt for a home warranty that allows them to choose their technician. You'll want to be able to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Santa Rosa
Do I need a home warranty in Santa Rosa?
What are preexisting conditions?
What is the best home warranty provider in Santa Rosa?
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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