Are Home Warranties Worth It for Brick Residents?
Home warranties are worth it for Brick residents. Brick can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioning system may malfunction over time from heavy use.
Winters in Brick can be mild, but there are still 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.
Brick'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 selecting the right home warranty plan for you.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $53–$62 per month. There are also service call fees that apply each time you file a claim. These fees range from $65–$125 per claim. A basic home warranty is more affordable than a comprehensive one. Appliance plans are typically less expensive than home systems coverage plans. Most plans give you the option of getting add-on coverage options for an additional monthly fee. Consider your specific needs before purchasing a plan.
Coverage
You can look for a home warranty plan that covers specific appliances and systems. Determine whether you want coverage for major systems (like air conditioning), specific appliances, or both. Then ask your provider about its options for customized coverage. 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
Usually, home warranties only cover damage from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, appliance components or cosmetic issues, theft, defects, or routine maintenance aren't covered either. Providers outline exclusions and limitations with their service contracts. We recommend reading it to understand your protection plan's specific terms and conditions.
Provider Reputation
Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. Customer reviews can give you a sense of how providers handle customer service and claims. Check with the New Jersey Division of Consumer Affairs to verify a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Reliable home warranty providers source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. If you can, use a provider that mentions the names of familiar service contractors. Rural homeowners may prefer a home warranty that lets them 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 Brick
Do I need a home warranty in Brick?
What are preexisting conditions?
What is Brick'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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