Are Home Warranties Worth It for Clarkstown Residents?
Yes, home warranties are worth it for Clarkstown residents. Clarkstown summers can get hot, which makes it important for your air conditioner to work properly. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Winters in Clarkstown 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. The frequent rain in Clarkstown can damage your home's roof.
The cost of repairs will be lower if your home warranty has roof-leak coverage. Lastly, home warranties connect you with trustworthy service providers. When life is keeping you busy, you want to know that a reliable technician is handling your repairs.
Reputable home warranty companies vet every service provider they work with.
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 a month. Additionally, you'll pay a service call fee each time you file a claim. Service call fees typically range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before choosing a plan.
You can look for a home warranty plan that covers specific appliances and systems. Determine whether you need coverage for major systems (such as heating), specific appliances, or both. Then ask your provider what its options are for customized coverage. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Typically, home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, theft, defects, or routine maintenance are also not covered. You can find your provider's exclusions and limitations in your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. Looking at reviews can give you a sense of how companies handle customer service and claims. Check with the New York Division of Consumer Protection to verify a provider's state license.
Consider a home warranty company's service provider network. Your provider should always use licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. Select a provider that mentions service contractors you're familiar with. Rural homeowners should consider a home warranty policy that allows the customer to choose their technician. Rural areas may not have any in-network service providers available, and customers may need to source their own.
Frequently Asked Questions About Home Warranty in Clarkstown
Is a home warranty required in Clarkstown?
What are preexisting conditions?
What is Clarkstown'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 is a home warranty different from homeowners insurance?
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