Are Home Warranties Worth It for Cortlandt Residents?
Yes, home warranties are worth it for Cortlandt residents. Summers in Cortlandt can have some very hot days, which means it's important that your air conditioner works well. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Cortlandt also has cold winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range between $2,500 and $8,000. Home warranties, on the other hand, come in at only $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.
The frequent rain in Cortlandt can damage your roof. The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Finally, home warranties connect you with reliable technicians.
When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when choosing the best home warranty plan for you.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home. From this we determined that the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of between $65–$125 whenever you file a claim. A basic home warranty will be more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. Most plans give you the option of getting add-on coverage options for an additional monthly cost. Consider your particular needs before choosing a plan.
Coverage
Figure out which appliances and systems you use most frequently. Most home warranty providers offer custom coverage tailored to your needs. If you only need coverage for certain systems, such as your heating, most providers offer systems-only plans. The same is true if you only need coverage for certain appliances. Here 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
Typically, home warranties don't cover improper installation or preexisting conditions. Most policies will only cover normal wear and tear. Most will also exclude appliance components or cosmetic issues, defects, theft, or routine maintenance. You can find your provider's limitations and exclusions in your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Provider Reputation
Also, consider provider reputation. You can also browse real customer reviews on sites like Best Company, Trustpilot, and Google Reviews. Ratings and reviews can show how providers handle claims and customer service. Check with the New York Division of Consumer Protection to verify a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Be sure to ask your company where and how it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. Select a provider that mentions service contractors you're familiar with. Those who live in rural areas should consider a home warranty that allows you to choose your technician. You may not have any in-network service providers in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in Cortlandt
Is a home warranty required in Cortlandt?
What are preexisting conditions?
What is the best home warranty provider in Cortlandt?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How is a home warranty different from homeowners insurance?
How long does a home warranty typically last?
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