Are Home Warranties Worth It for Guilderland Residents?
Yes, home warranties are worth it for Guilderland residents. Guilderland generally has mild temperatures, but you may still use your air conditioner frequently during the warmer months. Your air conditioning system may malfunction over time due to breakdowns from regular wear and tear.
Guilderland winters 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. The regular rain in Guilderland can damage your home's roof.
Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, home warranties connect you with trusted service providers. Reputable home warranty companies vet all their service providers.
If you're busy with work or other priorities, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Think about the following factors when selecting 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 whenever you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before selecting a plan.
Coverage
Many home warranty companies offer systems-only plans or plans for select appliances. Figure out which appliances and systems you use the most before committing to a plan. If you only want to cover certain major systems (such as heating) 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
- 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 normal wear and tear. They don't cover improper installation or preexisting conditions. In addition, home warranties don't cover appliance components or cosmetic issues, theft, routine maintenance, or defects. Each provider will outline its limitations and exclusions in your service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.
Provider Reputation
Also, consider provider reputation. You can also read customer reviews on sites like Google Reviews, Trustpilot, and Best Company. Ratings and reviews can show you how providers handle customer service and claims. 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. The company you choose should use licensed and registered contractors to handle service requests; make sure to ask your company where and how it sources technicians. We recommend picking a provider that mentions the names of familiar service contractors. Homeowners in rural areas 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, so customers might need to source their own.
Frequently Asked Questions About Home Warranty in Guilderland
Is a home warranty required in Guilderland?
What are preexisting conditions?
What is Guilderland's best home warranty provider?
Do home warranties cover 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?
How long does a home warranty typically last?
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