Find the Best Home Warranty in Tucson, AZ

Homeowners insurance vs. home warranty in Tucson

Home warranties are not to be confused with homeowners insurance. Homeowners insurance, required by lenders, protects you financially from home damage due to natural disasters or events like a fire, or personal property loss due to theft. A home warranty, meanwhile, is optional and pays for select repair and replacement of certain home systems and appliances that break from normal wear and tear.

In Tucson, where temperatures can hit triple digits, a home warranty is useful, for example, to pay for repairs to an overworked air conditioning system.

Home warranties can be purchased anytime, new home or old. In Tucson, home warranties are most popular among:

• First-time homebuyers who want coverage for a new home and have limited budgets for repairs
• Home sellers who want to provide an extra incentive for potential buyers
• Owners of older homes with aging appliances and systems who want to save money on repairs and replacements
• Rental property owners who want to protect an investment

Home warranty coverage in Tucson

Plans differ by company, but many will cover appliances (refrigerators, washers, dryers, ovens), systems (plumbing, electrical, HVAC) or both.

Tucson residents also consider purchasing optional coverages, like for a pool, in case a pump or motor breaks. Often it’s possible to completely customize coverage based on your home and preferences.

Most providers of home warranties will not limit the number of covered repairs during your coverage term, but you should verify this, along with any spending limits that may exist in the contract. Coverage usually begins after a 30-day grace period, during which you get a money-back guarantee.

How much does a home warranty cost in Tucson?

The average annual cost of a home warranty in Tucson is between $350 to $600, depending on how much coverage you purchase and the trade service call fee, which is comparable to a deductible. Payments can be made monthly or annually.

To use a home warranty, first contact the company that issued your policy. You will then pay the service call fee, which usually averages between $60 to $100, for the company to send a professional in its network to come and diagnose the problem. If the system or appliance is covered, the home warranty company will pay for and make the repair or replacement.

Choosing a home warranty in Tucson

When shopping for a home warranty in Tucson, consider which plan will best fit your living situation. Estimate the cost of repairing or replacing your most important household appliances and systems and compare that to the cost of a warranty and service call fees.

Be sure to read the contract carefully to learn what is covered and not covered, and ask questions if you’re unsure. Check out reviews, which shed light on customer service, response times and the quality of the contractors.

Finally, don’t forget to ask about available discounts. It is possible to save money with home warranty companies in Tucson by choosing multiple-year coverage or protecting more than one home. Some companies give lower rates to veterans and other groups.