Are Home Warranties Worth It for Montclair Residents?
Home warranties are worth it for Montclair residents. Montclair can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioning system can malfunction over time due to breakdowns from regular wear and tear.
Montclair 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. A home warranty plan is comparatively cheaper, only $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
The frequent rain in Montclair can damage your home's roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Finally, home warranties connect you with reliable technicians.
When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when determining the right home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and discovered that the average home warranty costs between $53–$62 per month. There are also service call fees that apply whenever you file a claim. These fees range from $65–$125 per claim. A basic home warranty is more affordable than a comprehensive one. Home systems coverage plans tend to cost more than appliance plans. With most plans, you can get add-on coverage options for an additional monthly cost. Consider your specific needs before purchasing a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Make a list of the systems and appliances that you use often and would like covered. If you only need coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. The following 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 breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, theft, routine maintenance, or defects are also not covered. Providers outline exclusions and limitations in their service contracts. We recommend reading carefully to fully understand the terms and conditions of your plan.
Provider Reputation
Provider reputation is another key factor to consider. You can browse real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can give you insight into how a company handles 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
Consider a home warranty company's network of service providers. Ask your company how and where it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. Select a provider that mentions service contractors you're familiar with. Residents of rural areas might consider choosing a home warranty provider that lets customers pick their technicians. It's good to have the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in Montclair
Is a home warranty required in Montclair?
What are preexisting conditions?
What is the best home warranty provider in Montclair?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How is a home warranty different from homeowners insurance?
How can I maximize the value of my home warranty?
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