Best 5 Home Warranty Companies in Kiryas Joel, NY

Are Home Warranties Worth It for Kiryas Joel Residents?

Home warranties are beneficial for Kiryas Joel residents. Kiryas Joel can have fairly hot days during the summer, and you probably 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.

Winters in Kiryas Joel are very cold, which means having reliable heating is important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.

Kiryas Joel's heavy rain can also affect your home's roof. Some home warranty companies offer limited roof-leak protection to ease the financial burden of repair. Finally, a home warranty connects you with trustworthy service providers.

A reputable home warranty is a good investment because companies vet their technicians. If you don't have time to do the research yourself, your home warranty provider can give you peace of mind that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

Think about these important factors when picking the best home warranty plan for you.

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. Basic home warranty plans are typically more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. You can often get add-on coverage for an additional monthly cost. Be sure you know your specific needs before choosing 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 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

Generally, home warranties don't cover preexisting conditions or improper installation. Most policies will only cover damage from normal wear and tear. Most also exclude appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers outline exclusions and limitations in their service contracts. Make sure you read yours carefully to fully understand your plan's terms and conditions.

Provider Reputation

Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. Looking at reviews can give you a sense of how providers handle claims and customer service. Check with the New York Division of Consumer Protection to verify the status of a provider's state license.

Contractor Network

Consider a home warranty company's network of service providers. Ask where and how it sources technicians—reputable providers should always use licensed and registered contractors. Choose a provider that mentions the names of familiar contractors. Residents of rural areas may consider choosing a home warranty that lets them choose their technicians. It's important to have the option to source your own providers if no in-network ones are available in your area.