Are Home Warranties Worth It for Huntington Residents?
Home warranties are worth it for Huntington residents. Summers in Huntington can get hot, which makes it important for your air conditioner to work properly. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Huntington has relatively mild winters, but there are still days you'll need your heating. The cost of an HVAC system replacement 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.
The frequent rain in Huntington 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 trustworthy service providers.
Reputable home warranty companies vet every service provider they use. If you don't have time to do the research yourself, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when picking the best home warranty plan for you.
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that the average home warranty costs between $53–$62 per month. There are also service call fees that apply each time you file a claim. These fees range from $65–$125 per claim. A basic home warranty is generally more affordable than a comprehensive one. Appliance plans are typically less costly than home systems coverage plans. With most plans, you can get add-on coverage options for an additional monthly cost. Consider your specific needs before choosing a plan.
Determine which appliances and systems you use most often. Most home warranty providers offer custom coverage tailored to your needs. If you only need coverage for select systems, such as your air conditioner, most companies offer systems-only plans. The same is true if you only need coverage for select appliances. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude 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.
You should also consider a provider's reputation. You can also read real customer reviews on sites like Best Company, Trustpilot, and Google Reviews. Reviews and ratings can show how providers handle customer service and claims. Check with the New York Division of Consumer Protection to verify a provider's state license.
Take into account a home warranty company's network of service providers. Be sure to ask your company where and how it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. Choose a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider choosing a home warranty that lets them select their technician. Rural areas may not have any in-network service providers available, so customers may need to source their own.
Frequently Asked Questions About Home Warranty in Huntington
Do I need a home warranty in Huntington?
What are preexisting conditions?
What is the best home warranty provider in Huntington?
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 do I file a claim with my home warranty provider?
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