Are Home Warranties Worth It for Manchester Residents?
Yes, home warranties are worth it for Manchester residents. Manchester summers can have some very hot days, which means it's important that your air conditioner is working well. However, this system can malfunction over time from heavy use.
Manchester has relatively mild winters, but there are still days you'll need your heating. The cost of replacing your HVAC system can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 annually, based on 120 quotes we requested from home warranty companies nationwide.
Manchester'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. 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 issue.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you determine the best home warranty plan 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 monthly. You'll also pay a service call fee whenever you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranty plans typically cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options increase your monthly price, so consider your particular needs before purchasing a plan.
Coverage
Figure out which appliances and systems you use most often. You want your home warranty plan to cover these items. Most home warranties can be customized to your needs, and many providers offer systems-only plans for homeowners that only need select coverage (such as for air conditioning). You can also get a plan that only covers 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
Typically, home warranties only cover breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, routine maintenance, theft, or defects aren't covered either. Each provider will outline its limitations and exclusions in your service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Provider Reputation
Also, consider provider reputation when making a decision. You can read customer reviews on sites like Google Reviews, Best Company, and Trustpilot or look at a company's rating with the Better Business Bureau (BBB). Reviews and ratings are a great way to see how providers handle 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
Take into account a home warranty company's network of service providers. Ask your company how and where it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. If you can, use a provider that mentions service contractors you're familiar with. Rural homeowners should consider choosing a home warranty that lets them select their technician. Rural areas may not have any in-network service providers available, so customers might need to source their own.
Frequently Asked Questions About Home Warranty in Manchester
Do I need a home warranty in Manchester?
What are preexisting conditions?
What is Manchester's best home warranty provider?
Can I get a home warranty that covers other types of home items?
Why do home warranties have a waiting period before 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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