Are Home Warranties Worth It for Visalia Residents?
Home warranties are worth it for Visalia residents. Visalia can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioner can malfunction over time from heavy use.
Visalia has relatively mild winters, but there are still days you'll need your heating. The cost of replacing your HVAC system can range anywhere from $2,500–$8,000. Home warranties are comparatively cheaper at only $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
Even Visalia's irregular rain can affect your home's roof. Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Lastly, 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 don't have time to do the research yourself, your home warranty provider can ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when choosing the best home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost roughly $53–$62 per month. You'll also pay service call fees each time you file a claim. Service call fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before choosing a plan.
Coverage
You can often find home warranty plans that cover specific systems and appliances. Decide whether you need coverage for major systems (such as air conditioning), specific appliances, or for 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
Usually, home warranties only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, theft, defects, or routine maintenance are also not covered. Providers outline exclusions and limitations with their service contracts. Make sure you read it and understand your plan's exact terms and conditions.
Provider Reputation
Look into a provider's reputation before selecting a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. Reading these reviews gives 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 license with the state.
Contractor Network
Take into account a home warranty company's service provider network. Reliable home warranty providers source licensed and registered contractors to handle service requests. We suggest asking a provider where and how it sources technicians. We recommend picking a provider that mentions the names of familiar service contractors. Those residing in rural areas should consider a home warranty policy that lets them choose their technician. You may not have any in-network service providers in your area, so you'll need the option to source your own.
Frequently Asked Questions About Home Warranty in Visalia
Do I need a home warranty in Visalia?
What are preexisting conditions?
What is Visalia's best home warranty provider?
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?
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