Are Home Warranties Worth It for Kearny Residents?
Yes, home warranties are worth it for Kearny residents. Kearny 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 due to breakdowns from regular wear and tear.
Kearny has relatively mild winters, but there are still days you'll need your heating. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. Home warranties, on the other hand, come in at only $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
The frequent rain in Kearny 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
Think about the following factors to determine the best home warranty for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost approximately $53–$62 per month. You'll also pay service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before choosing a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Think about which appliances and systems you use often and want coverage for. If you only want coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. 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 only cover normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, defects, theft, or routine maintenance are also not covered. You can find your provider's exclusions and limitations in your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Provider Reputation
You should also consider provider reputation. You can also find customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Ratings and reviews can show you how a company handles 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. Companies should always use licensed and registered contractors to fulfill 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. Residents of rural areas might opt for a home warranty that allows them to choose their technician. You'll want to be able to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Kearny
Is a home warranty required in Kearny?
What are preexisting conditions?
What is the best home warranty provider in Kearny?
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 can I maximize the value of my home warranty?
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