Are Home Warranties Worth It for Westchester Residents?
Yes, home warranties are worth it for Westchester residents. Summers in Westchester are very hot, which makes it extremely important that your air conditioner is working well. However, this system can malfunction over time from heavy use.
Winters in Westchester are fairly mild, but you still want a reliable heating system. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. The frequent rain in Westchester can damage your home's roof.
The cost of repairs will be lower if your home warranty has roof-leak coverage. Lastly, home warranties connect you with reliable technicians. When work and other priorities keep you busy, you want to know a trustworthy service provider 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 important factors when picking the right home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost roughly $53–$62 per month. There are also service call fees each time you file a claim. These fees range from $65–$125 per claim. A basic home warranty will be more affordable than a comprehensive one. Appliance plans are typically less expensive than home systems coverage plans. Most plans offer add-on coverage options for an additional monthly cost. Consider your specific needs before committing to a plan.
Coverage
You can look for a home warranty plan that covers specific systems and appliances. Decide whether you want coverage for major systems (like air conditioning), specific appliances, or for both. Then ask your provider what its options are for customized coverage. 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
Home warranties generally only cover normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover appliance components or cosmetic issues, defects, theft, or routine maintenance. Providers outline exclusions and limitations within their service contracts. We recommend reading carefully to fully understand your plan's terms and conditions.
Provider Reputation
Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. Reading reviews can give you a sense of how companies handle customer service and claims. Check with the Florida Division of Consumer Services to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Ask your provider how and where it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. If you can, use a provider that mentions the names of familiar service contractors. Rural homeowners may prefer home warranty policies that allow customers to choose their technicians. There may not be any in-network service providers in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Westchester
Is a home warranty required in Westchester?
What are preexisting conditions?
What is the best home warranty provider in Westchester?
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?
How do I file a claim with my home warranty provider?
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