Are Home Warranties Worth It for Queens Residents?
Yes, home warranties are worth it for Queens residents. Queens summers can get hot, which makes it important to have a reliable air conditioner. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Winters in Queens can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
Queens' regular rain showers can also affect your roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Finally, your home warranty will connect you with trustworthy service providers.
A reputable home warranty is a good investment because companies vet their technicians. When life keeps you busy, your home warranty provider can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when choosing the best home warranty plan for you.
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. You'll also pay a service call fee of between $65–$125 each time you file a claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before choosing a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Make a list of the appliances and systems that you use often and need coverage for. If you only need coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. 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
Home warranties generally only cover damage from normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover cosmetic issues or appliance components, routine maintenance, theft, or defects. Each provider outlines exclusions and limitations within its service contract. We recommend reading it to understand your plan's specific terms and conditions.
Provider Reputation
Also, consider provider reputation when making a decision. You can read customer reviews on sites like Trustpilot, Best Company, and Google Reviews or look at a company's rating with the Better Business Bureau (BBB). Ratings and reviews are a great way to see how providers 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 service provider network. Reputable home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider where and how it sources technicians. If you can, use a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider a home warranty policy that allows the customer to choose their technician. There may be no in-network service providers available in these areas, and customers may need to source their own.
Frequently Asked Questions About Home Warranty in Queens
Is a home warranty required in Queens?
What are preexisting conditions?
What is the best home warranty provider in Queens?
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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