Are Home Warranties Worth It for Union Residents?
Home warranties are worth it for Union residents. Summers in Union 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 due to breakdowns from regular wear and tear.
Union winters can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
Union's heavy rain can also affect your roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Lastly, 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 important factors when choosing the best home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. There are also service call fees each time you file a claim. These fees range from $65–$125 per claim. A basic home warranty will be more affordable than a comprehensive one. Appliance plans are typically less costly than home systems coverage plans. With most plans, you can get add-on coverage options for an additional monthly cost. Consider your particular needs before choosing a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Think about which appliances and systems you use often and want coverage for. If you only need coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. 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
Home warranties generally only cover damage from normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover cosmetic issues or appliance components, routine maintenance, defects, or theft. 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 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 that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's network of service providers. Reliable home warranty companies source licensed and registered contractors to fulfill service requests. We suggest asking a provider where and how it sources technicians. If you can, use a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider choosing a home warranty that lets them pick their technicians. You'll want the option to source your own providers if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Union
Do I need a home warranty in Union?
What are preexisting conditions?
What is Union's best home warranty provider?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How do I file a claim with my home warranty provider?
How can I maximize the value of my home warranty?
To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.