A Westchester home warranty can help protect homeowners by lowering the costs of major repairs and replacements on your home's appliances and systems.
Homeownership in Westchester comes with lots of benefits, but it also does not come without worry and concern. Your home's appliances and systems will eventually need repair and this could mean a burdensome expense hitting your bank account suddenly.
Finding the best home warranty plan for your Westchester home can be hard, so our team at House Method did the research for you to help you find the top home warranty in Westchester. Keep reading for our home warranty recommendations and find out which plan works best for your home.
The first step in protecting your house with a home warranty is determining which provider's plan is right for you. Think about the appliances and systems in your home you want coverage for and compare the policies. Plans can vary, so consider the following factors when deciding on a home warranty company:
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
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A home warranty is a protection plan for home systems and appliances. When your refrigerator breaks down and the repair costs several hundred dollars, a home warranty will make sure that you're only responsible for a predetermined service fee. Home warranty coverage typically starts without an inspection and you can generally start using it about thirty days after purchasing the policy.
When one of your systems or appliances experiences a problem, you file a claim with your service provider. You can do so online or by telephone, and then a technician will come and fix the problem. Once you submit the claim, it will be assigned to a local repair person that will come to your home and look at the problem. At this point, you pay your service fee. Service fees typically range in price from about $60 to $150 and this is the only out-of-pocket cost you will need to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty will cover systems and appliances that have stopped working due to normal wear and tear. For example, if your refrigerator suddenly needs repairs under normal use conditions, you can call your home warranty company. The appliances that are typically covered under a home warranty plan include dishwasher, garbage disposal, clothes dryer, microwave, refrigerator, clothes washer, and more. The systems usually included are hot water heaters, ductwork, electrical systems, air conditioners, and plumbing systems. Many home warranty plans also provide add-on coverage options like septic systems, central vacuum, locksmith, and even roof leaks.
A Westchester home warranty will only protect against normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, intentional breakages, pre-existing conditions, and natural disasters are not covered with a Westchester home warranty.
Home warranties are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Westchester hitting upward of 82 degrees in the summer, you may find that certain appliances, such as your air conditioning unit, get a lot of use. A home warranty can remarkably decrease your out-of-pocket expenses should your HVAC system break down.
Additionally, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your property more attractive to potential home buyers and help your home sell faster.
One of the major drawbacks of home warranties is not every home system and appliance you care about may be covered. It's important to weigh the different policies and sign up for one that covers all the appliances, systems, and add-ons you need. Another drawback is that home warranties may exclude some repairs, such as those due to natural disasters. For example, if a tree falls onto your house and damages the roof, the systems and appliances that were affected probably won't be covered by the home warranty.
A home warranty can help ease some of a homeowner's maintenance troubles, but ultimately, it's up to you to determine whether or not investing in one is the right move for you and your family. Make sure you do your research and read over any home warranty policy that you're seriously considering buying to understand what repairs will and will not be covered under your contract.
Hopefully, you now feel confident that you can choose a home warranty company in Westchester after reading our reviews. All of these top choices have impressive experience in the industry and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. Choice Home Warranty provides great coverage at an affordable price.
The top home warranty company in Westchester is Choice Home Warranty. Choice Home Warranty has a large network of professional technicians and a tremendous reputation in the Westchester area.
A home warranty policy can help investors, homeowners, real estate agents, homebuyers, and home sellers. It can provide peace of mind to anyone that is involved with homeownership.
Most home warranty plans have a 30-day waiting period before you can make service requests, but some may offer coverage sooner so make sure you check with the company about this.
A home warranty covers repair and replacement costs for systems and appliances in a home. Home warranties will not cover the intentional breaking of an appliance or pre-existing conditions.
A home warranty policy can cost on average anywhere from around $300 to $800 a year in Westchester. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.
Homeownership can be expensive. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty plan, you will not have any large hits to your savings account for home maintenance.