Are Home Warranties Worth It for Rochester Residents?
Yes, home warranties are worth it for Rochester residents. Rochester generally has mild temperatures, but you may still use your air conditioner frequently during the warmer months. Your air conditioning system can malfunction over time due to breakdowns from regular wear and tear.
Rochester 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 requested from home warranty companies nationwide. Rochester's regular rain showers can also affect your roof.
Some home warranty companies offer limited roof-leak coverage to financially assist with 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
Consider these important factors when determining the right home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. There are also service call fees that apply each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans generally cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options raise the monthly cost, so consider your specific needs before purchasing a plan.
Coverage
Figure out which appliances and systems you use most frequently. Most home warranty plans offer custom coverage tailored to your needs. If you only need coverage for select systems, such as your heating, most providers offer systems-only plans. The same is true if you only need coverage for certain appliances. 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
Typically, home warranties don't cover preexisting conditions or improper installation. Most policies only cover normal wear and tear. Most also exclude appliance components or cosmetic issues, routine maintenance, defects, or theft. Providers outline limitations and exclusions in 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 key factor to consider. You can find real customer reviews on sites like Google Reviews, Trustpilot, and Best Company or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can give you insight into how a company handles 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. Trustworthy home warranty companies source licensed and registered contractors to fulfill service requests. We suggest asking a provider where and how it sources technicians. Choose a provider that mentions service contractors you're familiar with. Rural homeowners should consider going with a home warranty provider that customers choose their technician. Rural areas may not have any in-network service providers available, and customers might need to source their own.
Frequently Asked Questions About Home Warranty in Rochester
Do I need a home warranty in Rochester?
What are preexisting conditions?
What is Rochester's best home warranty provider?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How can I maximize the value of my home warranty?
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