Are Home Warranties Worth It for New Rochelle Residents?
Yes, home warranties are worth it for New Rochelle residents. New Rochelle summers can have some very hot days, which means it's important that your air conditioner is working well. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Winters in New Rochelle 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 requested from home warranty companies across the nation. The frequent rain in New Rochelle can damage your roof.
The cost of repairs will be lower if your home warranty has roof-leak coverage. Finally, home warranties connect you with trusted service providers. Reputable home warranty companies vet all their service providers.
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
These important factors can help you choose the right home warranty plan for your needs.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost an average of $53–$62 a month. Additionally, you'll pay a service call fee every time you file a claim. These fees can range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before committing to a plan.
Coverage
Many home warranty companies offer systems-only plans or plans for select appliances. Figure out which systems and appliances you use most often before purchasing a plan. If you only need 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
Generally, home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, theft, defects, or routine maintenance are also not covered. Providers outline exclusions and limitations with their service contracts. Make sure you read it and understand your protection plan's exact terms and conditions.
Provider Reputation
You should also consider a provider's reputation. You can also find customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. Reviews and ratings can show how a company handles 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 service provider network. Reliable home warranty providers source licensed and registered contractors to fulfill service requests. We suggest asking a provider where and how it sources technicians. We recommend picking a provider that mentions the names of familiar service contractors. Homeowners in rural areas might prefer home warranty policies with the option to choose their technicians. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in New Rochelle
Do I need a home warranty in New Rochelle?
What are preexisting conditions?
What is the best home warranty provider in New Rochelle?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How long does a home warranty typically last?
How can I maximize the value of my home warranty?
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