Best 6 Home Warranty Companies in Cheektowaga, NY

Are Home Warranties Worth It for Cheektowaga Residents?

Yes, home warranties are worth it for Cheektowaga residents. Summers in Cheektowaga are fairly mild, but it's still important that your air conditioner works well. However, this system can malfunction over time due to breakdowns from regular wear and tear.

Winters in Cheektowaga are very cold, meaning you rely on your heating system often. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. Cheektowaga's regular rain showers can also affect your roof.

Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Lastly, a home warranty connects you with trustworthy service providers. 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 problem.

What To Consider Before Choosing a Home Warranty Company

Consider these key factors to determine the best home warranty for your needs.

Cost

We received 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. Basic home warranty plans typically cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as add-on coverage options will increase your monthly price.

Coverage

Figure out which systems and appliances you use the most. You want your home warranty plan to cover these items. Most plans can be tailored to your needs, and many companies offer systems-only plans for homeowners that only want select coverage (such as for heating). You can also get a plan that only covers select appliances. The following 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 preexisting conditions or improper installation. In addition, home warranties don't cover appliance components or cosmetic issues, routine maintenance, defects, or theft. Providers outline limitations and exclusions in their service contracts. We recommend reading carefully to fully understand your plan's terms and conditions.

Provider Reputation

Provider reputation is another important factor to consider. You can read real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can provide insight into how a company handles claims and customer service. Check with the New York Division of Consumer Protection to verify that a provider holds a license with the state.

Contractor Network

Consider a home warranty company's network of service providers. Your company should always send licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. If you can, use a provider that mentions service contractors you're familiar with. Rural homeowners may prefer a home warranty that lets them choose their technician. It's important to have the option to source your own provider if no in-network ones are available in your area.