Best 6 Home Warranty Companies in Poughkeepsie, NY

Are Home Warranties Worth It for Poughkeepsie Residents?

Home warranties are worth it for Poughkeepsie residents. Summers in Poughkeepsie 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.

Poughkeepsie winters are very cold, meaning you rely on your heating system often. Replacing your HVAC system can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. The frequent rain in Poughkeepsie can damage your home's roof.

The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Finally, a home warranty connects you with service providers you can trust. Investing in a reputable home warranty company is worth it because companies vet their technicians.

When life keeps you busy, your home warranty company can ensure that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

Consider the following factors when selecting the right home warranty plan for your needs.

Cost

We received 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. Additionally, you'll pay a service call fee of approximately $65–$125 each time you file a claim. Basic home warranty plans are typically more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know what you need before selecting a plan.

Coverage

Determine the appliances and systems you use most frequently. Most home warranty providers offer custom coverage tailored to your needs. If you only want coverage for certain systems, like your heating, most companies offer systems-only plans. The same is true if you only want coverage for certain 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 cover only normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude appliance components or cosmetic issues, routine maintenance, defects, or theft. You can find your provider's limitations and exclusions in your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.

Provider Reputation

Also, consider provider reputation when choosing a plan. You can find customer reviews on sites like Trustpilot, Best Company, and Google Reviews or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to see how providers handle claims and customer service. Check with the New York Division of Consumer Protection to verify that a provider holds a license with the state.

Contractor Network

Take into account a home warranty company's service provider network. Your company should always send licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. Choose a provider that mentions the names of familiar service contractors. Those who live in rural areas should consider a home warranty policy that lets them choose their technician. In-network service providers may not be available in your area, so you'll need the option to source your own.