Are Home Warranties Worth It for Brookhaven Residents?
Yes, home warranties are worth it for Brookhaven residents. Brookhaven can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioner may malfunction over time due to breakdowns from regular wear and tear.
Winters in Brookhaven 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 received from home warranty companies nationwide.
Brookhaven's heavy rain can damage your home's roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, your home warranty will connect 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 company can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when selecting the best home warranty for your needs.
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost approximately $53–$62 per month. You'll also pay service call fees each time you file a claim. Service call 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 get add-on coverage options, but this will increase your monthly cost—consider your specific needs before selecting a plan.
Many home warranty providers offer plans for select appliances or systems. Determine which systems and appliances you use most often before purchasing a plan. If you only want to cover certain major systems (like air conditioning) or specific appliances, you can find a plan that meets your needs. Here 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 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, defects, routine maintenance, or theft. Providers will outline limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand your plan's terms and conditions.
Also, consider a provider's reputation. You can also find customer reviews on sites like Trustpilot, Best Company, and Google Reviews. Ratings and reviews can show you 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. Providers should always use licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. Select a provider that mentions service contractors you're familiar with. Rural homeowners might consider home warranties that allow the customer to choose their technician. You'll want to be able to source your own provider if there are no in-network ones in your area.
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Brookhaven Home Warranties FAQ
Do I need a home warranty in Brookhaven?
No, home warranties are not required in Brookhaven. However, we still recommend purchasing a home warranty to help you maintain a budget for covering expensive system and appliance breakdowns. Home warranty companies also help you save time by sourcing reputable technicians themselves.
What are preexisting conditions?
A preexisting condition is a breakdown or issue a home appliance or system experienced before coverage began. Many providers won't cover preexisting conditions. You should purchase a home warranty policy while all your systems and appliances still work for full protection.
What is the best home warranty provider in Brookhaven?
Brookhaven's best home warranty provider depends on what you're looking for. American Home Shield is a good choice for comprehensive coverage limits. You may also consider Liberty Home Guard if you need unique coverage.
Can I get a home warranty that covers other types of home items?
Yes, you can get a home warranty that covers household items beyond common appliances and systems. For instance, some policies might cover septic systems, sump pumps, stand-alone freezers, well pumps, or pools and spas. These are typically considered add-ons. Check with your provider to determine what add-ons it has available.
Why is there a waiting period before my home warranty coverage begins?
Home warranty policies generally don't cover items that are already broken. Therefore, most home warranty companies have a 30-day waiting period before the start of coverage to ensure appliance and system breakdowns are from normal wear and tear rather than preexisting conditions.
How do I file a claim with my home warranty provider?
Submitting a claim to your home warranty provider is generally quick and easy. Upon noticing an issue with a covered appliance or system, contact your provider and describe the problem. The easiest way to do so is usually online, but you can also call the claims phone number. From there, your provider will send a contractor to your home, and you'll pay the service fee. The contractor will then figure out and fix the issue.
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