Are Home Warranties Worth It for Woodbridge Residents?
Home warranties are worth it for Woodbridge residents. Woodbridge can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioner can malfunction over time due to breakdowns from regular wear and tear.
Woodbridge 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 annually, based on 120 quotes we requested from home warranty companies nationwide.
Woodbridge's heavy rain can also affect your home's roof. Some home warranty providers offer limited roof-leak coverage to ease the financial burden of 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 key factors to determine the best home warranty for your needs.
Cost
We pulled 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 tend to be more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know your specific needs before choosing a plan.
Coverage
Figure out which appliances and systems you use the most. You'll want a home warranty plan that covers these items. Most plans can be tailored to your needs, and many providers offer systems-only plans for homeowners that 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
Usually, home warranties don't cover preexisting conditions or improper installation. Most policies only cover breakdowns from normal wear and tear. Most also exclude appliance components or cosmetic issues, theft, routine maintenance, or defects. A provider will outline its exclusions and limitations in its service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.
Provider Reputation
You should also consider a provider's reputation. You can also find real customer reviews on sites like Best Company, Google Reviews, and Trustpilot. Ratings and reviews can show how providers handle 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. Reputable home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider where and how it sources technicians. We recommend picking a provider that mentions service contractors you're familiar with. Rural homeowners should consider choosing a home warranty that lets them select their technician. There may be no in-network service providers available in these areas, and customers may need to source their own.
Frequently Asked Questions About Home Warranty in Woodbridge
Is a home warranty required in Woodbridge?
What are preexisting conditions?
What is the best home warranty provider in Woodbridge?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How do I file a claim with my home warranty provider?
How can I maximize the value of my home warranty?
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