Are Home Warranties Worth It for Allentown Residents?
Yes, home warranties are worth it for Allentown residents. Allentown can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioner may malfunction over time due to breakdowns from regular wear and tear.
Allentown winters are very cold, meaning you rely on your heating system often. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. Allentown's heavy rain can damage your home's roof.
Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, 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 don't have time to do the research yourself, your home warranty company can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when choosing your home warranty plan.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and found that the average home warranty costs between $53–$62 per month. You also have to pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are typically more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. You can often get add-on coverage for an additional monthly cost. Be sure you know your specific needs before purchasing a plan.
Coverage
Determine which systems and appliances you use most often. Most home warranties offer customizable coverage tailored to your needs. If you only need coverage for certain systems, like your heating, most providers offer systems-only plans. The same is true if you only want coverage for select appliances. 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
Most home warranties only cover normal wear and tear, which excludes improper installation and preexisting conditions. Additionally, most policies will exclude appliance components or cosmetic issues, defects, routine maintenance, or theft. Providers outline limitations and exclusions in their service contracts. We recommend reading carefully 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 such as Best Company, Google Reviews, and Trustpilot 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 customer service and claims. Check with the Pennsylvania Attorney General to verify a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Your provider should always send licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. 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 no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Allentown
Do I need a home warranty in Allentown?
What are preexisting conditions?
What is Allentown's best home warranty provider?
Can I get a home warranty that covers other types of home items?
Why do home warranties have a waiting period before coverage begins?
How long does a home warranty typically last?
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