A home warranty in California can help cut your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop functioning due to normal wear and tear.
There are many great things abouts owning a home in California. But, major home systems and appliances, like your plumbing and kitchen appliances, can malfunction due to normal wear and tear, leaving you with expensive repairs.
Finding the best home warranty on the market can be quite overwhelming because there are lots of companies to choose from. That's why the House Method team did the research and put together a list of the top home warranty companies in California for you.
The first step in protecting your home with a home warranty is determining which provider's plan is the best for you. Consider the appliances and systems in your home you need coverage for and compare the policies. When figuring out which home warranty provider is the best fit for you, here are some important factors to take into account:
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
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A home warranty is a service contract that helps homeowners get a handle on the high costs of appliance and systems repairs. Home warranties will cover a number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty can make budgeting and managing your finances less stressful. Home warranty plans typically have a thirty-day waiting period from the time you purchase to the time you can file your first claim.
For California homeowners, when an issue comes up with a covered appliance or system, it is very simple to file a claim. Most home warranty providers have an online portal system where a claim can be submitted. At this point, you will pay a service fee, which is usually between $60 and $150 depending on what plan you choose. After the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. If the repair is covered by the warranty and the coverage cap is not reached, most homeowners will not have to pay any other out-of-pocket costs after the service fee is paid.
A home warranty plan will cover systems and appliances that have stopped working from normal wear and tear. For example, if your refrigerator suddenly stops working under normal use conditions, you can call your home warranty company. The appliances commonly covered under a home warranty plan are the washing machine, microwave, oven, dishwasher, dryer, refrigerator, and more. System coverage typically includes electrical systems, heating systems, air conditioning, water heaters, plumbing, and more. The add-on coverage options can include pool, roof leak, septic system, spa, and sometimes even things like locksmith or pest control.
California homeowners should be aware that a home warranty will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like misuse of a system or appliance, natural disasters, pre-existing conditions, or cosmetic issues. You must keep up with preventative maintenance on your home systems and appliances to make sure that your next repair or replacement-related complication will be covered by the policy.
California is known for its mild winters and hot summers, and if you live in California, you know that the weather can be unpredictable. During the summer months, your air conditioner can be strained in its effort to combat the heat. If your air conditioner did give out, a home warranty can cover repairs and prevent you from spending out-of-pocket expenses.
Plus, having a California home warranty can make your house more attractive to potential home buyers if you ever decide to sell later. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you've been receiving.
One drawback of a home warranty is that there are generally exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it's important to read over the contracts you're considering thoroughly to get a sense of what is included and what isn't. Another thing to bear in mind is that some companies don't cover pre-existing damage and may require an inspection before your coverage can start. Ask the home warranty company for clarification about these things if you aren't sure or if this is an issue for you.
A home warranty can aid with some of a homeowner's maintenance troubles, but ultimately, it's up to you to decide if investing in one is the right move for you and your family. Be sure to do your research and read through any home warranty plans that you're seriously considering buying to get a handle on what repairs will and will not be covered under your contract.
A home warranty can save you a lot of money on home repairs and offer you peace of mind as a homeowner in California. Choice Home Warranty stands out as the best overall company. With its comprehensive plans, fair pricing, and a good reputation in the industry, Choice Home Warranty has a lot to offer.
The best overall home warranty provider in California is Choice Home Warranty but the right company for you will vary based on factors like what appliances and systems you need coverage for.
A home warranty can help home sellers, homebuyers, investors, real estate agents, and homeowners. It can offer peace of mind and savings to anyone that is involved with homeownership.
Most home warranty plans have a 30-day waiting period before you can make service requests, but some may offer coverage sooner so be sure to check with the company about this.
Most home warranties cover replacement costs as well as repair costs. How much the coverage cap is varies from one plan to the next. Home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A California home warranty can cost between $40 and $80 a month. Higher-priced plans usually have more coverage, a lower service fee, and higher coverage limits.