Are Home Warranties Worth It for Long Beach Residents?
Yes, home warranties are worthwhile for Long Beach residents. Long Beach summers can get hot, which makes it important to have a reliable air conditioner. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Long Beach winters can be mild, but there are still 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 nationwide.
The regular rain in Long Beach can damage your home's roof. Some home warranty companies offer limited roof-leak protection, which can mitigate the cost 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
Consider these key factors to determine the best home warranty for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and discovered that the average home warranty costs between $53–$62 per month. There are also service call fees that apply whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options increase your monthly price, so consider your particular needs before purchasing a plan.
Coverage
Figure out which appliances and systems you use most often. You'll want a home warranty plan that covers these items. Most plans can be customized to your needs, and many companies offer systems-only plans for homeowners that only need select coverage (such as for air conditioning). You can also get a plan that only covers select appliances. 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
Most home warranties only cover normal wear and tear, which excludes improper installation and preexisting conditions. Additionally, most policies will exclude cosmetic issues or appliance components, defects, theft, or routine maintenance. Providers will outline exclusions and limitations in their service contracts. Read your contract thoroughly to make sure you understand the terms and conditions of your plan.
Provider Reputation
Also, consider a provider's reputation when choosing a plan. You can find customer reviews on sites like Google Reviews, Trustpilot, and Best Company or look at a company's Better Business Bureau (BBB) rating. Ratings and reviews are a great way to see how providers handle customer service and claims. Check with the New York Division of Consumer Protection to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Your provider should always use licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. Select a provider that mentions service contractors you're familiar with. Rural homeowners should consider a home warranty policy that allows the customer to choose their technician. There may be no in-network service providers available in these areas, so customers might need to source their own.
Frequently Asked Questions About Home Warranty in Long Beach
Do I need a home warranty in Long Beach?
What are preexisting conditions?
What is Long Beach's best home warranty provider?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How long does a home warranty typically last?
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