Best 6 Home Warranty Companies in Riverhead, NY

Are Home Warranties Worth It for Riverhead Residents?

Home warranties are beneficial for Riverhead residents. Summers in Riverhead can have some very hot days, which means it's important that your air conditioner works well. However, this system can malfunction over time due to breakdowns from regular wear and tear.

Winters in Riverhead can be fairly mild, but there are still times when you want to have a reliable heating system. 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 across the nation. Riverhead's heavy rain can damage your home's roof.

Some home warranty companies offer limited roof-leak coverage, which can mitigate the cost of roof repair. 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 every service provider they work with.

What To Consider Before Choosing a Home Warranty Company

Consider these important factors when determining the right home warranty plan for you.

Cost

We received 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty costs between $53–$62 per month. You also have to pay service call fees whenever you file a claim. These fees range from $65–$125 per 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 selecting a plan.

Coverage

Many home warranty providers offer systems-only plans or plans for select appliances. Determine which systems and appliances you use most often before purchasing a plan. If you only want to cover certain major systems (like air conditioning) or certain appliances, you can find a plan that meets your needs. The following 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 usually only cover breakdowns from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover cosmetic issues or appliance components, theft, defects, or routine maintenance. Providers outline exclusions and limitations within their service contracts. Make sure you read yours carefully to fully understand the terms and conditions of your plan.

Provider Reputation

Provider reputation is another important factor to consider. You can browse customer reviews on sites like Best Company, Trustpilot, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can provide insight into how a company handles claims and customer service. Check with the New York Division of Consumer Protection to verify that a provider holds a valid state license.

Contractor Network

Take into account a home warranty company's service provider network. Any provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company 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 lets them choose their technician. In-network service providers may not be available in your area, so it's important to have the option to source your own.