Are Home Warranties Worth It for Egg Harbor Residents?
Yes, home warranties are worth it for Egg Harbor residents. Egg Harbor can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioner may malfunction over time from heavy use.
Egg Harbor winters 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 coming in at around $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. The regular rain in Egg Harbor can damage your home's roof.
The cost of repairs will be lower if your home warranty has roof-leak coverage. Lastly, home warranties connect you with reliable service providers. Reputable home warranty companies vet each service provider they work with.
If you don't have time to do the research yourself, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors to determine the best home warranty for your needs.
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 every time you file a claim. Service call fees typically range from $65–$125 per claim. A basic home warranty will be more affordable than a comprehensive one. Appliance plans are typically less expensive than home systems coverage plans. Most plans offer add-on coverage options for an additional monthly cost. Consider your specific needs before purchasing a plan.
Coverage
Many home warranty providers offer systems-only plans or plans for select appliances. Figure out which appliances and systems you use most often before selecting a plan. If you only need to cover certain major systems (such as air conditioning) or certain 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
Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude cosmetic issues or appliance components, routine maintenance, defects, or theft. A provider will outline its limitations and exclusions in your service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.
Provider Reputation
Look into a provider's reputation before choosing a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. Reading these reviews gives you an idea of how companies handle claims and customer service. Check with the New Jersey Division of Consumer Affairs to verify that a provider holds a valid state license.
Contractor Network
Take into account a home warranty company's network of service providers. Any provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company how and where it sources technicians. If you can, use a provider that mentions service contractors you're familiar with. Rural homeowners may prefer home warranty policies with the option to choose their technicians. 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 Egg Harbor
Do I need a home warranty in Egg Harbor?
What are preexisting conditions?
What is Egg Harbor's best home warranty provider?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How do I file a claim with my home warranty provider?
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