Are Home Warranties Worth It for Manchester Residents?
Yes, home warranties are worth it for Manchester residents. Manchester summers are fairly mild, but it's still important to have a reliable air conditioner. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Manchester winters are very cold, meaning you rely on your heating system often. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. Manchester's heavy rain can also affect your home's roof.
Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Lastly, home warranties connect you with trustworthy service providers. When life is keeping you busy, you want to know that a reliable technician is handling your repairs.
Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when determining the right home warranty plan for you.
We received 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 generally cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options raise the monthly cost, so consider your particular needs before purchasing a plan.
Many home warranty companies offer plans for select appliances or systems. Determine which systems and appliances you use most often before selecting a plan. If you only want coverage for certain major systems (like heating) or certain appliances, you can find a plan that meets your needs. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Most home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Additionally, home warranties don't cover appliance components or cosmetic issues, defects, routine maintenance, or theft. Providers outline exclusions and limitations with their service contracts. Make sure you read it and understand your plan's exact terms and conditions.
Provider reputation is another key factor to consider. You can read customer reviews on sites like Best Company, Google Reviews, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can provide insight into how a company handles customer service and claims. Check with the New Hampshire Consumer Protection and Antitrust Bureau to verify that a provider holds a license with the state.
Consider a home warranty company's network of service providers. The provider you choose should use licensed and registered contractors to handle service requests; make sure to ask your company how and where it sources technicians. Choose a provider that mentions the names of familiar service contractors. Rural homeowners may prefer home warranty policies that allow you to choose your technician. In-network service providers may be unavailable in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Manchester
Is a home warranty required in Manchester?
What are preexisting conditions?
What is Manchester'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 is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
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