Are Home Warranties Worth It for Niagara Falls Residents?
Home warranties are worth it for Niagara Falls residents. Summers in Niagara Falls are fairly mild, but it's still important that your air conditioner is working well. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Niagara Falls winters are very cold, which means having reliable heating is important. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
Niagara Falls' regular rain showers can also affect your roof. Some home warranty providers offer limited roof-leak coverage to financially assist with 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
These key factors can help you select the best home warranty plan for your needs.
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 per month. You'll also pay a service call fee every time you file a claim. These fees can range from $65–$125 per claim. Comprehensive home warranty plans generally cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options increase your monthly price, so consider your specific needs before purchasing a plan.
Figure out which systems and appliances you use most often. You want your home warranty plan to cover these items. Most plans can be tailored to your needs, and many providers offer systems-only plans for those who only need select coverage (such as for heating). You can also find plans that cover only 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
Home warranties usually only cover damage from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover cosmetic issues or appliance components, defects, theft, or routine maintenance. Providers outline exclusions and limitations with their service contracts. We recommend reading it to understand your protection plan's exact terms and conditions.
Provider reputation is another key factor to consider. You can browse customer reviews on sites such as Best Company, Trustpilot, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can give you insight into how a company handles customer service and claims. Check with the New York Division of Consumer Protection to verify the status of a provider's state license.
Take into account a home warranty company's network of service providers. The provider you choose should use licensed and registered contractors to handle service requests; make sure to ask your company how and where it sources technicians. Select a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so you'll need the option to source your own.
Frequently Asked Questions About Home Warranty in Niagara Falls
Is a home warranty required in Niagara Falls?
What are preexisting conditions?
What is Niagara Falls' 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 can I maximize the value of my home warranty?
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