Are Home Warranties Worth It for Brooklyn Residents?
Yes, home warranties are worth it for Brooklyn residents. Brooklyn summers can get hot, which makes it important to have a reliable air conditioner. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Winters in Brooklyn 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, on the other hand, run about $644–$737 annually, based on 120 quotes we requested from home warranty companies nationwide.
Brooklyn's heavy rain can damage your roof. Some home warranty providers offer limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, home warranties connect you with trusted service providers.
Reputable home warranty companies vet all their service providers. If life keeps you busy, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you choose the best 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. Additionally, you'll pay a service call fee every time you file a claim. These fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before committing to a plan.
Many home warranty providers offer plans for select appliances or systems. Figure out which systems and appliances you use the most before choosing a plan. If you only need coverage for certain major systems (such as air conditioning) or specific appliances, you can find a plan that meets your needs. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Home warranties usually only cover normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies will also not cover cosmetic issues or appliance components, defects, routine maintenance, or theft. Each provider will outline its limitations and exclusions in your service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.
Also, consider provider reputation when making a decision. You can find customer reviews on sites like Google Reviews, Best Company, and Trustpilot or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to assess 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.
Take into account a home warranty company's service provider network. Providers should always use licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. Choose a provider that mentions the names of familiar service contractors. Residents of rural areas may prefer a home warranty that lets them choose their technician. You'll want to be able to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Brooklyn
Is a home warranty required in Brooklyn?
What are preexisting conditions?
What is Brooklyn's best home warranty provider?
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 do I file a claim with my home warranty provider?
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