Are Home Warranties Worth It for Albany Residents?
Yes, home warranties are worth it for Albany residents. Summers in Albany are very hot, which makes it very important to have a reliable air conditioner. However, over time this system can malfunction from heavy use.
Winters in Albany are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
The frequent rain in Albany can damage your roof. The financial burden of this will be lessened if your home warranty has roof-leak coverage. Lastly, your home warranty will connect you with trustworthy service providers.
Investing in a reputable home warranty company is worth it because companies vet their technicians. When life keeps you busy, your home warranty company can ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when picking your home warranty plan.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You'll also pay a service call fee of between $65–$125 every time you file a claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know what you need before selecting a plan.
Coverage
Many home warranty companies offer plans for select appliances or systems. Figure out which systems and appliances you use most often before selecting a plan. If you only want to cover certain major systems (like air conditioning) or certain appliances, you can find a plan that meets your needs. 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. They don't cover preexisting conditions or improper installation. Additionally, home warranties don't cover cosmetic issues or appliance components, theft, routine maintenance, or defects. Providers will outline limitations and exclusions in their service contracts. Thoroughly read your contract to ensure you understand the terms and conditions of your plan.
Provider Reputation
Carefully consider a provider's reputation before committing to a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. Reading these reviews gives you an idea of how providers handle customer service and claims. Check with the Georgia Consumer Protection Division to verify a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Trustworthy home warranty providers source licensed and registered contractors to fulfill service requests. We suggest asking a provider how and where it sources technicians. Choose a provider that mentions service contractors you're familiar with. Homeowners in rural areas might prefer home warranty policies that allow customers to choose their technicians. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Albany
Do I need a home warranty in Albany?
What are preexisting conditions?
What is Albany'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?
How do I file a claim with my home warranty provider?
To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.