Are Home Warranties Worth It for Brighton Residents?
Home warranties are worth it for Brighton residents. Brighton summers are fairly mild, but it's still important for your air conditioner to work properly. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Brighton winters are very cold, meaning you rely on your heating system often. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. Brighton's regular rain showers can also affect your roof.
Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Lastly, home warranties connect you with trustworthy service providers. Reputable home warranty companies vet every service provider they use.
If you're busy with work or other priorities, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you choose the right 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. Additionally, you'll pay a service call fee every time you file a claim. Service call fees range from $65–$125 per claim. A basic home warranty is generally more affordable than a comprehensive one. Appliance plans are typically less expensive than home systems coverage plans. Most plans give you the option of getting add-on coverage options for an additional monthly cost. Consider your particular needs before choosing a plan.
Coverage
Figure out which appliances and systems you use the most. You want your home warranty plan to cover these items. Most plans can be customized to your needs, and many companies offer systems-only plans for those who only need select coverage (such as for heating). You can also find plans that cover only select appliances. 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
Most home warranties only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. Additionally, home warranties don't cover cosmetic issues or appliance components, routine maintenance, defects, or theft. Each provider outlines exclusions and limitations within its service contract. We recommend reading it to understand your plan's specific terms and conditions.
Provider Reputation
Also, consider a provider's reputation when making a decision. You can find customer reviews on sites like Best Company, Trustpilot, and Google Reviews or look at a company's Better Business Bureau (BBB) rating. Ratings and reviews are a great way to learn how providers handle customer service and claims. Check with the New York Division of Consumer Protection to verify a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Your company should always send licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. If you can, use a provider that mentions the names of familiar service contractors. Rural homeowners should consider going with a home warranty provider that customers choose 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 Brighton
Do I need a home warranty in Brighton?
What are preexisting conditions?
What is the best home warranty provider in Brighton?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
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