Are Home Warranties Worth It for Union City Residents?
Yes, home warranties are worth it for Union City residents. Union City 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.
Union City winters can be fairly mild, but there are still times when you want to have a reliable heating system. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. Union City's heavy rain can also affect your home's roof.
Some home warranty providers offer limited roof-leak coverage to financially assist with repair. 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
These important factors can help you select 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 per month. You'll also pay a service call fee whenever you file a claim. These fees typically range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before selecting a plan.
Coverage
You can often find home warranty plans that cover specific appliances and systems. Decide whether you want coverage for major systems (like air conditioning), specific appliances, or both. Then ask your provider about its options for customized coverage. 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 cover only normal wear and tear, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude cosmetic issues or appliance components, routine maintenance, theft, or defects. You can read about your provider's exclusions and limitations within your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another important factor to consider. You can browse real customer reviews on sites like Best Company, Google Reviews, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can give you insight into how a company handles claims and customer service. Check with the New Jersey Division of Consumer Affairs to verify a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Ask your company where and how it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. If you can, use a provider that mentions service contractors you're familiar with. Residents of rural areas may opt for a home warranty that allows them 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 Union City
Do I need a home warranty in Union City?
What are preexisting conditions?
What is the best home warranty provider in Union City?
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?
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