Are Home Warranties Worth It for Yorktown Residents?
Yes, home warranties are worth it for Yorktown residents. Summers in Yorktown 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.
Yorktown 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. A home warranty plan is comparatively cheaper, only $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
Yorktown's heavy rain can also affect your home's roof. Some home warranty providers offer limited roof-leak coverage to financially assist with 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 all their service providers.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when determining the right home warranty plan for you.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost approximately $53–$62 monthly. Additionally, you'll pay a service call fee whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know what you need before purchasing a plan.
Coverage
Determine the appliances and systems you use the most. Most home warranties offer custom coverage tailored to your needs. If you only need coverage for certain systems, such as your heating, most providers offer systems-only plans. The same is true if you only need coverage for certain appliances. 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
Usually, home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, appliance components or cosmetic issues, defects, routine maintenance, or theft aren't covered either. Each provider will outline its limitations and exclusions in its service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another key factor to consider. You can read customer reviews on sites such as 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 customer service and claims. Check with the New York Division of Consumer Protection to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's network of service providers. Quality home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. Select a provider that mentions service contractors you're familiar with. Residents of rural areas may consider choosing a home warranty provider that lets customers pick their technicians. You'll want the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in Yorktown
Is a home warranty required in Yorktown?
What are preexisting conditions?
What is Yorktown'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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