Are Home Warranties Worth It for Perinton Residents?
Home warranties are worth it for Perinton residents. Summers in Perinton are fairly mild, but it's still important for your air conditioner to work properly. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Winters in Perinton 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 requested from home warranty companies across the nation.
The regular rain in Perinton can cause damage to your roof. Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, home warranties connect you with trustworthy service providers.
When life is keeping you busy, you want to know that a reliable technician 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 choose the right home warranty plan for your needs.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You'll also pay service call fees each time you file a claim. Service call fees range from $65–$125 per claim. Basic home warranty plans tend to be 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 what you need before purchasing a plan.
Coverage
Figure out which systems and appliances you use the most. You'll want a home warranty plan that covers these items. Most home warranties can be customized to your needs, and many providers offer systems-only plans for those who only want select coverage (such as for heating). You can also find plans that cover only select appliances. 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
Most home warranties only cover normal wear and tear. They don't cover improper installation or preexisting conditions. Additionally, home warranties don't cover appliance components or cosmetic issues, defects, theft, or routine maintenance. Providers outline limitations and exclusions within their service contracts. We recommend reading carefully to fully understand your plan's terms and conditions.
Provider Reputation
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. These reviews can give you a sense of how companies handle claims and customer service. Check with the New York Division of Consumer Protection to verify a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Companies should always use licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. We recommend picking a provider that mentions service contractors you're familiar with. Homeowners in rural areas might consider choosing a home warranty provider that lets customers 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.
Frequently Asked Questions About Home Warranty in Perinton
Is a home warranty required in Perinton?
What are preexisting conditions?
What is the best home warranty provider in Perinton?
Do home warranties cover 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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