Are Home Warranties Worth It for East Brunswick Residents?
Home warranties are worth it for East Brunswick residents. East Brunswick summers can get hot, which makes it important for your air conditioner to work properly. However, this system can malfunction over time due to breakdowns from regular wear and tear.
East Brunswick has relatively mild winters, but there are still days you'll need your heating. The cost of replacing your HVAC system can range anywhere from $2,500–$8,000. Home warranties are comparatively cheaper at only $644–$737 a year, based on 120 quotes we requested from home warranty companies nationwide.
East Brunswick's heavy rain can damage your home's roof. Some home warranty companies offer limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, your home warranty will connect you with service providers you can trust.
A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when selecting your home warranty plan.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 per month. You'll also pay a service call fee each time you file a claim. Service call fees typically range from $65–$125 per claim. Basic home warranty plans are typically more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know what you need before choosing a plan.
Coverage
Many home warranty companies offer plans for select appliances or systems. Figure out which systems and appliances you use the most before selecting a plan. If you only need coverage for certain major systems (such as air conditioning) or specific appliances, you can find a plan that meets your needs. 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
Generally, home warranties don't cover improper installation or preexisting conditions. Most policies will only cover normal wear and tear. Most also exclude appliance components or cosmetic issues, defects, routine maintenance, or theft. Providers outline limitations and exclusions in their service contracts. We recommend reading carefully to fully understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another important factor to consider. You can browse customer reviews on sites like Best Company, Trustpilot, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can provide insight into how a company handles claims and customer service. Check with the New Jersey Division of Consumer Affairs to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Your company should always use licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. If you can, use 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 East Brunswick
Is a home warranty required in East Brunswick?
What are preexisting conditions?
What is the best home warranty provider in East Brunswick?
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?
How do I file a claim with my home warranty provider?
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