Are Home Warranties Worth It for Stockton Residents?
Home warranties are worth it for Stockton residents. Stockton experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioner may malfunction over time from heavy use.
Stockton 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. Home warranties, on the other hand, come in at only $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.
Even in Stockton, over time rain can damage your roof. Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, home warranties connect you with trustworthy service providers.
Reputable home warranty companies vet each service provider they work with. If you're busy with work or other priorities, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you determine the best home warranty plan for your needs.
Cost
We pulled 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. Additionally, you'll pay a service call fee of approximately $65–$125 each time you file a claim. Basic home warranty plans are typically 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 your specific needs before choosing a plan.
Coverage
Most home warranty companies can tailor a plan to your needs. Think about which systems and appliances you use often and need coverage for. If you only want coverage for select systems or appliances (such as your air conditioning), you can often find plans to fit. 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 normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, theft, routine maintenance, or defects are also not covered. Each provider outlines exclusions and limitations within its service contract. We recommend reading it to understand your protection plan's specific terms and conditions.
Provider Reputation
Consider a provider's reputation before choosing a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites like Best Company, Google Reviews, and Trustpilot. Reading these reviews gives you an idea 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.
Contractor Network
Take into account a home warranty company's network of service providers. Ask where and how it sources technicians—reputable companies should always use licensed and registered contractors. Select a provider that mentions the names of familiar contractors. 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'll need the option to source your own.
Frequently Asked Questions About Home Warranty in Stockton
Is a home warranty required in Stockton?
What are preexisting conditions?
What is the best home warranty provider in Stockton?
Do home warranties cover 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?
How can I maximize the value of my home warranty?
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