Are Home Warranties Worth It for Babylon Residents?
Yes, home warranties are worth it for Babylon residents. Babylon summers 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.
Winters in Babylon 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 are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.
Babylon's heavy rain can also affect your roof. Some home warranty providers offer limited roof-leak coverage to ease the financial burden of 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.
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost approximately $53–$62 monthly. Additionally, you'll pay a service call fee whenever you file a claim. Service call fees range from $65–$125 per claim. Comprehensive home warranty plans typically cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options raise the monthly cost, so consider your specific needs before purchasing a plan.
Figure out which appliances and systems you use the most. Most home warranty plans offer customizable coverage tailored to your needs. If you only need coverage for certain 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
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Usually, home warranties only cover damage from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, routine maintenance, theft, or defects are also not covered. Your provider will outline its limitations and exclusions in your service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.
Consider a provider's reputation before purchasing a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Best Company, Google Reviews, and Trustpilot. Reading these reviews gives you an idea of how providers handle claims and customer service. Check with the New York Division of Consumer Protection to verify that a provider holds a license with the state.
Consider a home warranty company's service provider network. Any company you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company where and how it sources technicians. Select a provider that mentions service contractors you're familiar with. Residents of rural areas might consider choosing a home warranty provider that lets customers choose their technicians. It's important to have the option to source your own providers if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Babylon
Do I need a home warranty in Babylon?
What are preexisting conditions?
What is the best home warranty provider in Babylon?
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?
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