Are Home Warranties Worth It for Erie Residents?
Home warranties are worth it for Erie residents. Summers in Erie are fairly mild, but it's still important for your air conditioner to work properly. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Winters in Erie are very cold, meaning you rely on your heating system often. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. Erie's regular rain showers can also affect your home's roof.
Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Finally, 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 selecting your home warranty plan.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and discovered that the average home warranty costs between $53–$62 per month. There are also service call fees that apply whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are generally 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
Most home warranty companies can tailor a plan to your needs. Make a list of the systems and appliances that you use often and want covered. If you only need coverage for select appliances or systems (such as your heating), you can often find plans to fit. 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
Most home warranties only cover normal wear and tear, which excludes improper installation and preexisting conditions. Most policies also exclude appliance components or cosmetic issues, defects, routine maintenance, or theft. Each provider will outline its limitations and exclusions in its service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.
Provider Reputation
Carefully consider a provider's reputation before selecting a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Trustpilot, Google Reviews, and Best Company. Reading these reviews gives you an idea of how providers handle customer service and claims. Check with the Pennsylvania Attorney General to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's network of service providers. The company you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company where and how it sources technicians. Select a provider that mentions service contractors you're familiar with. Rural homeowners might prefer home warranty policies with the option to choose their technicians. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Erie
Do I need a home warranty in Erie?
What are preexisting conditions?
What is Erie'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 do I file a claim with my home warranty provider?
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