Are Home Warranties Worth It for Haverstraw Residents?
Home warranties are worth it for Haverstraw residents. Haverstraw summers can have some very hot days, which means it's important that your air conditioner works well. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Haverstraw also has cold winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range anywhere from $2,500–$8,000. Home warranties, on the other hand, come in at only $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.
Haverstraw's heavy rain can damage your roof. Some home warranty companies offer limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, 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 every service provider they work with.
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 discovered that the average home warranty costs between $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Home systems coverage plans tend to cost more than appliance plans. With most plans, you can get add-on coverage options for an additional monthly fee. Consider your specific needs before purchasing a plan.
Coverage
Most home warranty companies can tailor a plan to your needs. Think about which systems and appliances you use often and would like coverage for. If you only want coverage for select systems or appliances (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
Home warranties usually only cover normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover appliance components or cosmetic issues, theft, routine maintenance, or defects. Providers will outline limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand your plan's terms and conditions.
Provider Reputation
Also, consider a provider's reputation when choosing a plan. You can find customer reviews on sites such as Google Reviews, Trustpilot, and Best Company or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to learn 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. Make sure to ask where and how it sources technicians—reputable providers should always use licensed and registered contractors. Select a provider that mentions contractors you're familiar with. Homeowners in rural areas may consider choosing a home warranty provider that lets customers choose their technicians. It's important to have the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in Haverstraw
Is a home warranty required in Haverstraw?
What are preexisting conditions?
What is Haverstraw'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 long does a home warranty typically last?
How can I maximize the value of my home warranty?
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