Are Home Warranties Worth It for North Bergen Residents?
Home warranties are worth it for North Bergen residents. North Bergen 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 due to breakdowns from regular wear and tear.
North Bergen winters can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.
North Bergen's heavy rain can also affect your home's roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Finally, 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 all their service providers.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when picking your home warranty plan.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $53–$62 per month. There are also service call fees that apply each time you file a claim. These fees range from $65–$125 per claim. A basic home warranty is generally 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 particular needs before committing to a plan.
Coverage
Determine the systems and appliances you use the most. Most home warranties offer customizable coverage tailored to your needs. If you only need coverage for select systems, such as your air conditioner, most companies offer systems-only plans. The same is true if you only need coverage for certain appliances. 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
Home warranties generally only cover damage from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies will also not cover cosmetic issues or appliance components, theft, defects, or routine maintenance. Providers outline their limitations and exclusions in their service contracts. Thoroughly read your contract to make sure you understand your plan's terms and conditions.
Provider Reputation
Also, consider provider reputation. You can also read real customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. Ratings and reviews can show how providers handle customer service and claims. 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 service provider network. Any company you choose should use licensed and registered contractors to handle service requests; make sure to ask your company how and where it sources technicians. We recommend picking a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider a home warranty that allows you to choose your technician. You may not have any in-network service providers in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in North Bergen
Do I need a home warranty in North Bergen?
What are preexisting conditions?
What is the best home warranty provider in North Bergen?
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 is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
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