Are Home Warranties Worth It for Union Residents?
Yes, home warranties are worth it for Union residents. Union generally has mild temperatures, but you may still use your air conditioner frequently during warmer months. Your air conditioner can malfunction over time due to breakdowns from regular wear and tear.
Union winters are freezing, which makes having reliable heating extremely important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.
The regular rain in Union can damage your roof. Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, a home warranty connects you with service providers you can trust.
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 issue.
What To Consider Before Choosing a Home Warranty Company
Think about the following factors when selecting the best home warranty for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and found 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. Comprehensive home warranty plans generally cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options increase your monthly price, so consider your particular needs before purchasing 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 would like coverage for. If you only need coverage for select systems or appliances (such as your heating), you can often find plans to fit. 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
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. Each provider outlines exclusions and limitations within its service contract. We recommend reading it to understand your protection plan's exact terms and conditions.
Provider Reputation
Also, consider provider reputation. You can also browse customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. Ratings and reviews can show how providers handle customer service and claims. Check with the New York Division of Consumer Protection to verify that a provider holds a license with the state.
Contractor Network
Consider a home warranty company's network of service providers. Reputable home warranty providers source licensed and registered contractors to fulfill service requests. We suggest asking a provider how and where it sources technicians. If you can, use a provider that mentions service contractors you're familiar with. Those residing in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in Union
Is a home warranty required in Union?
What are preexisting conditions?
What is the best home warranty provider in Union?
Do home warranties cover 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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