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Navigating home warranties in New York can be overwhelming, especially for first-time homeowners or those who are new to the concept of home insurance. However, understanding the basics is key to finding the right coverage for your needs.

• Know what a home warranty covers: A home warranty typically covers major repairs and replacements, such as appliances, plumbing, and electrical systems, as well as some minor repairs like roof leaks and termite damage.
• Understand the differences between a home warranty and a homeowners insurance policy: While both cover damages to your home, a home warranty focuses on specific items that are likely to break or need repair frequently, such as appliances and major systems. Homeowners insurance policies typically have broader coverage for everything from damage to the building itself to liability for accidents.
• Research and compare different providers: When choosing a home warranty provider in New York, it's essential to research and compare different options based on factors like coverage limits, deductibles, and customer reviews. You may also want to consider working with a reputable insurance broker who can help you navigate the process.
• Don't assume everything is covered: While a home warranty typically covers major repairs and replacements, it's essential to understand what is not covered. For example, cosmetic repairs like painting or wallpaper removal are usually not included in coverage, as well as minor damages that can be easily fixed with DIY fixes.

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