Are Home Warranties Worth It for Union City Residents?
Yes, home warranties are worth it for Union City residents. Union City 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.
Union City 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 between $2,500 and $8,000. Home warranties, on the other hand, come in at only $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
Even in Union City, over time rain can cause damage to your roof. Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, your home warranty will connect you with service providers you can trust.
Investing in a reputable home warranty company is worth it because companies vet their technicians. If you don't have time to do the research yourself, your home warranty company can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors to determine the right home warranty plan for your needs.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost approximately $53–$62 per month. You'll also pay service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. Basic home warranty plans generally cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options raise the monthly cost, so consider your specific needs before purchasing a plan.
Coverage
You can look for a home warranty plan that covers specific appliances and systems. Decide whether you need coverage for major systems (such as air conditioning), specific appliances, or for both. Then ask your provider what its options are 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
Usually, home warranties don't cover improper installation or preexisting conditions. Most policies will only cover normal wear and tear. Most will also exclude appliance components or cosmetic issues, defects, theft, or routine maintenance. Each provider outlines exclusions and limitations within its service contract. We recommend reading it to understand your plan's specific terms and conditions.
Provider Reputation
Provider reputation is another important factor to consider. You can read real customer reviews on sites like Best Company, Trustpilot, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can give you insight into how a company handles 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. Ask where and how it sources technicians—reputable providers should always use licensed and registered contractors. If you can, use a provider that mentions the names of familiar contractors. Homeowners in rural areas might consider home warranties that allow the customer to choose their technician. It's important to have the option to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Union City
Is a home warranty required in Union City?
What are preexisting conditions?
What is the best home warranty provider in Union City?
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?
How do I file a claim with my home warranty provider?
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