Are Home Warranties Worth It for Las Cruces Residents?
Yes, home warranties are worth it for Las Cruces residents. Summers in Las Cruces are very hot, which makes it very important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.
Winters in Las Cruces are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.
Even the infrequent rain in Las Cruces can damage your home's roof. The financial burden of this will be lessened if your home warranty has roof-leak coverage. Lastly, home warranties connect you with trusted service providers.
Reputable home warranty companies vet all their service providers. If you don't have time to do the research yourself, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when choosing 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 the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of roughly $65–$125 whenever you file a claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Home systems coverage plans will cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly cost. Consider your particular needs before choosing a plan.
Coverage
Figure out which appliances and systems you use the most. You want your home warranty plan to cover these items. Most home warranties can be tailored to your needs, and many companies offer systems-only plans for those who only want select coverage (such as for air conditioning). You can also get a plan that only covers select appliances. 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 cover only normal wear and tear, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude cosmetic issues or appliance components, defects, theft, or routine maintenance. Each provider will outline its limitations and exclusions in its service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.
Provider Reputation
Carefully consider 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 providers handle customer service and claims. Check with the New Mexico Attorney General's Consumer and Environmental Protection Division to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Any provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company how and where it sources technicians. Select a provider that mentions the names of familiar service contractors. Residents of rural areas might opt for a home warranty that allows them to choose their technician. You may need to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Las Cruces
Is a home warranty required in Las Cruces?
What are preexisting conditions?
What is Las Cruces' best home warranty provider?
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?
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