Are Home Warranties Worth It for Atlantic City Residents?
Home warranties are worth it for Atlantic City residents. Summers in Atlantic City can have some very hot days, which means it's important that your air conditioner works well. However, this system can malfunction over time from heavy use.
Winters in Atlantic City can be fairly mild, but there are still times when you want to have a reliable heating system. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. The regular rain in Atlantic City can damage your roof.
The financial burden of this will be lessened if your home warranty has roof-leak coverage. 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 every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when determining the right home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty cost is $53–$62 per month. Additionally, you'll pay a service call fee of roughly $65–$125 every time you file a claim. A basic home warranty is generally more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. Most plans give you the option of getting add-on coverage options for an additional monthly cost. Consider your particular needs before purchasing a plan.
Coverage
Figure out which systems and appliances you use most often. You want your home warranty plan to cover these items. Most plans can be tailored to your needs, and many companies offer systems-only plans for those who only want select coverage (such as for air conditioning). You can also find plans that cover only select appliances. Here 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 cover only normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude cosmetic issues or appliance components, theft, defects, or routine maintenance. Providers outline their limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another key factor to consider. You can read customer reviews on sites like Google Reviews, Trustpilot, and Best Company or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can give you insight into how a company handles claims and customer service. Check with the New Jersey Division of Consumer Affairs to verify that a provider holds a license with the state.
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 where and how it sources technicians. If you can, use a provider that mentions service contractors you're familiar with. Residents of rural areas might consider home warranties that allow the customer to choose their technician. It's important to have the option to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Atlantic City
Is a home warranty required in Atlantic City?
What are preexisting conditions?
What is Atlantic City's best home warranty provider?
Do home warranties cover 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?
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