Are Home Warranties Worth It for Suffolk Residents?
Yes, home warranties are worth it for Suffolk residents. Summers in Suffolk can have some very hot days, which means it's important that your air conditioner works well. However, this system can malfunction over time from heavy use.
Suffolk has fairly mild winters, but it's still important to make sure your heating works when needed. 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 a year, based on 120 quotes we received from home warranty companies nationwide.
The regular rain in Suffolk can damage your roof. Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, your home warranty will connect you with trustworthy service providers.
A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when choosing your home warranty plan.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 monthly. Additionally, you'll pay a service call fee whenever you file a claim. Service call fees range from $65–$125 per claim. A basic home warranty is more affordable than a comprehensive one. Home systems coverage plans tend to cost more than appliance plans. Most plans give you the option of getting add-on coverage options for an additional monthly cost. Consider your specific needs before purchasing a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Think about which appliances and systems you use often and would like coverage for. If you only need coverage for select systems or appliances (such as your air conditioning), 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
Usually, home warranties only cover breakdowns 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 aren't covered either. You can find your provider's limitations and exclusions within your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Provider Reputation
Also, consider provider reputation. You can also browse customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. Reviews and ratings can show how providers handle customer service and claims. Check with the Virginia Attorney General to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Any company you choose should use licensed and registered contractors to handle service requests; make sure to ask your company where and how it sources technicians. We recommend picking a provider that mentions the names of familiar service contractors. Rural homeowners should consider choosing a home warranty that lets them pick their technicians. It's good to have the option to source your own providers if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Suffolk
Do I need a home warranty in Suffolk?
What are preexisting conditions?
What is the best home warranty provider in Suffolk?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How long does a home warranty typically last?
How can I maximize the value of my home warranty?
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