Top 5 Home Warranty Companies In California - Expert advice from Bob Vila, the most trusted name in DIY, home remodeling, home repair and home improvement. Tried, true, trusted home advice
The Best Home Warranty Companies 2022 Many homeowners are not prepared to pay to repair or replace their major home systems. Coverage from one of the top home warranty companies can help.
Top 5 Home Warranty Companies In California
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Real estate listings often tout home warranty plans as a benefit to attract buyers, but those buyers may wonder what benefits home warranties can provide them. While homeowner's insurance helps cover the cost of repairing home damage caused by weather, accidents, fire or vandalism, it doesn't compensate for the financial hit caused by the failure of a major home system or appliance. However, a home warranty can. In fact, the best home warranty companies cover the cost of maintaining, repairing, and sometimes replacing entire home systems and certain appliances during the policy period.
Home warranty companies offer a variety of policies designed to meet the needs of a variety of homeowners. For example, some providers may offer basic home system contracts that limit coverage to electrical, plumbing, and HVAC systems; appliance coverage, which includes kitchen and washing machines; and combination policies that have both. These contracts are very specific about what they cover. While homeowner's policies typically cover everything unless an event is specifically excluded, home warranties are the opposite: If the system or equipment isn't listed on the policy, it's not covered, so it's important that homeowners read their policies carefully before signing.
The best home insurance companies offer a wide range of coverage options and high coverage limits along with clear and easy to understand terms and conditions. They work with reputable technicians or in some cases let customers choose the technician of their choice. Choosing add-ons to customize your coverage can also be an important feature. Finally, a large warranty company must provide options (usually balancing premium price and call service charge) that work within different budgets. This guide includes a selection of the best home warranty companies for homeowners to consider.
A home warranty company's policy begins with an annual premium payment (although some companies allow quarterly or monthly premium payments). When a policyholder needs a covered system or appliance repaired or serviced, they can contact the warranty company to file a claim. After the policyholder pays the service fee, a qualified technician will come to their home and perform the repair or replacement at no additional cost.
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Home warranty policies have coverage limits per service call, event, unit and year, but these will be specified in the contract so there are no surprises for homeowners down the road. Premium costs and service fees can be significantly less than one or two out-of-warranty service calls, especially in older homes or homes with aging appliances and systems.
With the growing popularity of home warranties, many startups have joined the more established warranty companies in the industry. It can be difficult to determine if a company is trustworthy, follows good business practices and provides good customer service. To make sure they choose the best warranty company for their needs, homeowners will want to assess their coverage needs, consider their budget, and compare how each company handles different aspects of coverage. Checking with the Better Business Bureau and the National Home Service Contract Association (which offers accreditation for home warranty companies), checking with friends and neighbors, reading home warranty reviews, and gathering quotes from multiple companies can also make choosing a provider easier.
A provider's track record is an important consideration for homeowners when looking for the best home warranty company. Some companies offer nationwide coverage, while others are regional; but even so, the homeowner will want to look into the home warranty company's coverage network. The scope of the service is an important factor, especially if the company uses its own pre-approved providers. But just offering a homeowner's policy doesn't mean a company has a good network of qualified technicians. And if the home is outside the technician's normal range, the homeowner may have to wait longer for service. With companies that allow the policyholder to select a contractor or technician, this is less of a concern, but it is still something to consider in the event that their preferred contractor is not available.
The housing guarantee can be very extensive. It can protect home systems such as electrical, plumbing, and HVAC, and sometimes water heaters, garbage disposals, and garage door openers. In addition, a home warranty plan can cover kitchen appliances, including refrigerators, ovens, cooktops, and stoves; Wall-mounted microwave ovens and fans; and dishwashers. They usually don't apply to other refrigerators (like those in the garage), countertop microwaves, and other small appliances. Before researching warranty companies, a homeowner can do a quick assessment of the systems and equipment they want covered to make sure the home warranty companies on their shortlist offer the coverage they need.
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Sometimes a homeowner may have appliances or systems in their home that are not traditionally covered by a home warranty. If so, they will want to look for a company that offers add-ons to the standard policy. But the homeowner also wants to check how much these extras will cost to make sure their premiums don't skyrocket by adding them.
Instead of settling on the first home warranty company they come across after an online search, homeowners must compare specific quotes from each company. They can compare each company's policy terms, plan options and costs, with their specific needs in mind.
Most companies generally offer whole-house plans, in addition to appliance plans, combinations, and add-ons for items not included in the base plans. In addition, insurance companies will offer service levels, including a range from basic, cheaper packages to premium plans that are expensive but include more coverage.
A major benefit of a home warranty plan is the homeowner's ability to count on repairs and maintenance. While the average cost per month will remain the same when a homeowner signs a contract, these costs will vary significantly depending on the type of coverage selected, coverage limits, and technician fees. It's a good idea for homeowners to understand their budget when they start comparing companies and products. A lower budget does not necessarily mean less coverage; the total cost is balanced by premiums, service charges and coverage limits. For example, customers whose budget requires lower upfront costs may choose a higher service charge to keep their premiums lower; they will only have to pay the service fee if they actually make a claim. Each company will offer different packages to allow flexibility in average monthly costs.
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Most home warranty companies offer free quotes, making it easy to compare quotes, but the process of actually getting those quotes varies from company to company. While some companies are happy to provide a quote online, others prefer that shoppers call and speak directly with an agent who can help them customize their coverage and find the right mix of options. Ultimately, there's a good chance a homeowner will talk to an agent even if they start the application process online because the standard quote generation system won't ask all the questions needed to tailor coverage, resulting in a more generic quote that might or might does not accurately reflect the actual cost to the homeowner.
Homeowners will need to provide some basic information to get an accurate quote. Most reputable companies will not give a general quote without specific information, because without that information any quote would be incorrect. But this can be frustrating for people trying to get a basic idea of costs. When you get a quote, customers will likely need to provide their home's address, ownership status, and information about the home's age.
Alternatively, homeowners can call customer service and speak with an agent. Representatives from the best home warranty companies are often eager to help customers find the right level of coverage. With their in-depth knowledge of the plans and policies the company offers, agents may be able to help customers find a better deal on the coverage they need than they would have found on their own.
What happens when a homeowner needs to call for service? Each company will have a slightly different process, so it's a good idea to ask specifically how it works. Almost all home warranty companies have call centers or hotlines that customers can call when they need to file a claim, but many companies also have online or application capabilities.
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The best home warranty companies have a call center or online portal that is open 24/7. When a customer needs service fast enough to file a complaint in the middle of the night, they need service immediately – not later
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