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 for your air conditioner to work properly. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Queens has relatively mild winters, but there are still days you'll need your heating. The cost of an HVAC system replacement can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.
The regular rain in Queens can damage your roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Finally, 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 all their service providers.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you determine the right home warranty plan for your needs.
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty cost is $53–$62 per month. Additionally, you'll pay a service call fee of between $65–$125 every time you file a claim. A basic home warranty will be more affordable than a comprehensive one. Appliance plans are typically less costly than home systems coverage plans. With most plans, you can get add-on coverage options for an additional monthly cost. Consider your specific needs before purchasing a plan.
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
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
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. Providers will outline limitations and exclusions in their service contracts. Thoroughly read your contract to make sure you understand your plan's terms and conditions.
Also, consider provider reputation. You can also browse real customer reviews on sites like Trustpilot, Google Reviews, and Best Company. Ratings and reviews can show how providers handle customer service and claims. Check with the New York Division of Consumer Protection to verify a provider's state license.
Consider a home warranty company's network of service providers. Your company should always use licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. If you can, use a provider that mentions the names of familiar service contractors. Residents of rural areas should consider choosing a home warranty that lets them select their technician. There may be no in-network service providers available in these areas, and customers might need to source their own.
Frequently Asked Questions About Home Warranty in Queens
Do I need a home warranty in Queens?
What are preexisting conditions?
What is the best home warranty provider in Queens?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How is a home warranty different from homeowners insurance?
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