Are Home Warranties Worth It for Hicksville Residents?
Yes, home warranties are worth it for Hicksville residents. Summers in Hicksville can get hot, which makes it important to have a reliable air conditioner. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Hicksville winters can be fairly mild, but there are still times when you want to have a reliable heating system. 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 requested from home warranty companies across the nation. The regular rain in Hicksville can cause damage to your home's roof.
Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, your home warranty will connect you with service providers you can trust. Investing in a reputable home warranty company is worth it because companies vet their technicians.
When life keeps you busy, your home warranty provider can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you select the best home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $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. 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 committing to a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Think about which appliances and systems you use often and need coverage for. If you only need coverage for select systems or appliances (such as your air conditioning), you can often find plans to fit. 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
Generally, home warranties don't cover improper installation or preexisting conditions. Most policies will only cover breakdowns from normal wear and tear. Most will also exclude appliance components or cosmetic issues, routine maintenance, theft, or defects. You can find your provider's limitations and exclusions within your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Provider Reputation
Also, consider provider reputation when choosing a plan. You can read customer reviews on sites such as Google Reviews, Best Company, and Trustpilot or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to see how providers handle claims and customer service. 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. Your company should always send licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. Select a provider that mentions service contractors you're familiar with. Residents of rural areas may prefer a home warranty that lets them choose their technician. You'll want to be able to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Hicksville
Do I need a home warranty in Hicksville?
What are preexisting conditions?
What is Hicksville'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?
How long does a home warranty typically last?
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