Are Home Warranties Worth It for South San Francisco Residents?
Home warranties are worth it for South San Francisco residents. Summers in South San Francisco can get hot, which makes it important for your air conditioner to work properly. However, this system can malfunction over time from heavy use.
Winters in South San Francisco 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 received from home warranty companies nationwide. Even the infrequent rain in South San Francisco can damage your roof.
The cost of repairs will be lower if you have a home warranty with roof-leak coverage. 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 all their service providers.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when picking the best home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home. From this we determined that home warranties cost an average of $53–$62 per month. You'll also pay a service call fee of between $65–$125 every time you file a 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 what you need before purchasing a plan.
Coverage
You can look for a home warranty plan that covers specific systems and appliances. Determine whether you need coverage for major systems (such as air conditioning), specific appliances, or 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
Most home warranties only cover breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. Additionally, home warranties don't cover cosmetic issues or appliance components, defects, theft, or routine maintenance. Each provider outlines exclusions and limitations within its service contract. Make sure you read it and understand your protection plan's exact terms and conditions.
Provider Reputation
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. 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 a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Any company you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company where and how it sources technicians. Choose a provider that mentions service contractors you're familiar with. Those who live in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so you'll need the option to source your own.
Frequently Asked Questions About Home Warranty in South San Francisco
Is a home warranty required in South San Francisco?
What are preexisting conditions?
What is the best home warranty provider in South San Francisco?
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 do I file a claim with my home warranty provider?
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