Best 6 Home Warranty Companies in Clarkstown, NY

Are Home Warranties Worth It for Clarkstown Residents?

Yes, home warranties are worth it for Clarkstown residents. Summers in Clarkstown 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 Clarkstown are very cold, which means having reliable heating is important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.

The frequent rain in Clarkstown can damage your home's roof. The financial burden of this will be lessened if your home warranty has roof-leak coverage. Finally, a home warranty connects you with service providers you can trust.

Investing in a reputable home warranty company is worth it because companies vet their technicians. If you don't have time to do the research yourself, your home warranty provider can ensure that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

Think about the following 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 roughly $53–$62 per month. There are also service call fees each time you file a claim. Service call fees range from $65–$125 per claim. Basic home warranty plans generally cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options raise the monthly cost, so consider your particular needs before purchasing a plan.

Coverage

Most home warranties can be somewhat customized to your needs. Think about which appliances and systems you use often and want covered. If you only need coverage for select appliances or systems (such as your heating), you can often find plans to fit. 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 damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Additionally, home warranties don't cover appliance components or cosmetic issues, defects, theft, or routine maintenance. Each provider outlines exclusions and limitations within its service contract. Make sure you read it and understand your plan's exact terms and conditions.

Provider Reputation

Consider a provider's reputation before selecting a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. Reading these reviews gives you an idea of how companies handle customer service and claims. Check with the New York Division of Consumer Protection to verify the status of a provider's state license.

Contractor Network

Take into account a home warranty company's network of service providers. Ask where and how it sources technicians—reputable companies should always use licensed and registered contractors. If you can, use a provider that mentions the names of familiar contractors. 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 might need to source their own.