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, this system can malfunction over time due to breakdowns from regular wear and tear.
Winters in Brighton are very cold, which means having reliable heating is important. 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 received 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 ease the financial burden of repair. Lastly, a home warranty connects you with service providers you can trust.
A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Consider the following factors when selecting 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 per month. You'll also pay a service call fee each time you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before choosing a plan.
Figure out which appliances and systems you use most often. Most home warranties offer customizable coverage tailored to your needs. If you only need coverage for select systems, such as your heating, most providers offer systems-only plans. The same is true if you only want coverage for certain appliances. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude cosmetic issues or appliance components, routine maintenance, theft, or defects. A provider will outline its exclusions and limitations in your service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.
You should also consider a provider's reputation. You can also browse customer reviews on sites like Google Reviews, Best Company, and Trustpilot. Ratings and reviews can show how providers handle claims and customer service. Check with the New York Division of Consumer Protection to verify that a provider holds a valid state license.
Consider a home warranty company's network of service providers. Make sure you ask your provider where and how it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. Choose a provider that mentions the names of familiar service contractors. Rural homeowners may prefer home warranty policies with the option to choose their technicians. In-network service providers may be unavailable in these areas, so you'll want the option to choose your 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?
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?
How do I file a claim with my home warranty provider?
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