Best 5 Home Warranty Companies in Palm Tree, NY

Are Home Warranties Worth It for Palm Tree Residents?

Home warranties are advantageous for Palm Tree residents. Summers in Palm Tree 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.

Palm Tree also has cold winters, meaning your heating system is working constantly during the colder months. The cost of an HVAC system replacement can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 annually, based on 120 quotes we requested from home warranty companies nationwide.

The frequent rain in Palm Tree can damage your home's roof. The cost of repairs will be lower if your home warranty has roof-leak protection. Finally, home warranties connect you with reliable service providers.

Reputable home warranty companies vet each service provider they work with. If you're busy with work or other priorities, investing in a home warranty ensures a trustworthy technician will fix 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

After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost approximately $53–$62 per month. Additionally, you'll pay a service call fee every time you file a claim. These fees typically range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Home systems coverage plans will cost more than appliance plans. With most plans, you can get add-on coverage options for an additional monthly cost. Consider your particular needs before committing to a plan.

Coverage

Many home warranty companies offer systems-only plans or plans for select appliances. Determine which appliances and systems you use most often before purchasing a plan. If you only need coverage for certain major systems (like heating) or specific appliances, you can find a plan that meets your needs. 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

Typically, home warranties only cover breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, routine maintenance, theft, or defects are also not covered. Your provider will outline its limitations and exclusions in its service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.

Provider Reputation

Also, consider provider reputation. You can also browse customer reviews on sites like Google Reviews, Best Company, and Trustpilot. Ratings and reviews can show 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.

Contractor Network

Take into account a home warranty company's service provider network. Quality home warranty companies source licensed and registered contractors to fulfill service requests. We suggest asking a provider how and where it sources technicians. Choose a provider that mentions the names of familiar service contractors. Rural homeowners may 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.