Are Home Warranties Worth It for Utica Residents?
Yes, home warranties are worth it for Utica residents. Summers in Utica are fairly mild, but it's still important for your air conditioner to work properly. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Utica also has cold winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range anywhere from $2,500–$8,000. Home warranties are comparatively cheaper at only $644–$737 a year, based on 120 quotes we requested from home warranty companies nationwide.
Utica's heavy rain can damage your home's roof. Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, 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
Think about these important factors when picking 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 roughly $53–$62 per month. There are also service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. 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 choosing a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Think about which systems and appliances you use often and would like covered. If you only need coverage for select appliances or systems (such as your heating), 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
Typically, home warranties only cover damage from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, theft, routine maintenance, or defects are also not covered. Your provider will outline its exclusions and limitations in its service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.
Provider Reputation
Also, consider a provider's reputation when choosing a plan. You can find customer reviews on sites like Google Reviews, Trustpilot, and Best Company or look at a company's rating with the Better Business Bureau (BBB). Ratings and reviews are a great way to learn how providers handle 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 network of service providers. Ask your provider where and how it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. We recommend picking a provider that mentions service contractors you're familiar with. Rural homeowners might prefer a home warranty that lets them choose their technician. You'll want to be able to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Utica
Is a home warranty required in Utica?
What are preexisting conditions?
What is the best home warranty provider in Utica?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How do I file a claim with my home warranty provider?
To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.