Are Home Warranties Worth It for Tracy Residents?
Home warranties are worth it for Tracy residents. Tracy summers are very hot, which makes it extremely important that your air conditioner works well. However, over time this system can malfunction from heavy use.
Tracy winters are fairly mild, but there will still be 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 per year, based on 120 quotes we received from home warranty companies across the nation.
Even in Tracy, over time rain can damage your home's roof. Some home warranty companies offer limited roof-leak coverage, which can ease the financial burden of roof repair. 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 every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Think about the following factors when selecting the best home warranty for your needs.
Cost
We requested 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. A basic home warranty will be more affordable than a comprehensive one. Appliance plans are typically less expensive than home systems coverage plans. Most plans offer add-on coverage options for an additional monthly cost. Consider your particular needs before purchasing a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Think about which appliances and systems you use often and want covered. If you only want coverage for select appliances or systems (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
Home warranties typically only cover damage from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies will also not cover cosmetic issues or appliance components, routine maintenance, theft, or defects. You can find your provider's exclusions and limitations in your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Provider Reputation
Look into a provider's reputation before choosing a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Trustpilot, Google Reviews, and Best Company. Reading these reviews gives you an idea of how companies 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 service provider network. Be sure to ask your company where and how it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. Select a provider that mentions the names of familiar service contractors. Rural homeowners might prefer home warranty policies that allow customers to choose their technicians. There may not be any in-network service providers in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Tracy
Do I need a home warranty in Tracy?
What are preexisting conditions?
What is the best home warranty provider in Tracy?
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 long does a home warranty typically last?
How can I maximize the value of my home warranty?
To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.