Are Home Warranties Worth It for North Brunswick Residents?
Yes, home warranties are worth it for North Brunswick residents. Summers in North Brunswick can have some very hot days, which means it's important that your air conditioner works well. However, over time this system can malfunction due to breakdowns from regular wear and tear.
North Brunswick 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 are comparatively cheaper at only $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
North Brunswick's heavy rain can also affect your roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. 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
These important factors can help you determine the right home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are more affordable than comprehensive ones. Home systems coverage plans tend to cost more than appliance plans. Most plans give you the option of getting add-on coverage options for an additional monthly cost. Consider your particular needs before purchasing a plan.
Coverage
Figure out which appliances and systems you use most often. You'll want a home warranty plan that covers these items. Most plans can be tailored to your needs, and many companies offer systems-only plans for those who only need select coverage (such as for air conditioning). You can also get a plan that only covers select 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
Most home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Additionally, home warranties don't cover cosmetic issues or appliance components, theft, defects, or routine maintenance. Each provider will outline its limitations and exclusions in its 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 committing to a plan. Check its Better Business Bureau rating. Also read customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. These reviews can give you an idea of how providers handle customer service and claims. Check with the New Jersey Division of Consumer Affairs to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. We recommend picking a provider that mentions the names of familiar contractors. Rural homeowners may consider home warranties that allow the customer to choose their technician. It's important to have the option to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in North Brunswick
Is a home warranty required in North Brunswick?
What are preexisting conditions?
What is North Brunswick'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 long does a home warranty typically last?
How do I file a claim with my home warranty provider?
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