Are Home Warranties Worth It for Harrisburg Residents?
Yes, home warranties are worth it for Harrisburg residents. Harrisburg summers can have some very hot days, which means it's important that your air conditioner works well. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Winters in Harrisburg 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 requested from home warranty companies across the nation. The regular rain in Harrisburg can damage your home's roof.
Some home warranty providers offer limited roof-leak coverage, which can ease the financial burden of roof 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
Consider these key factors when choosing the right home warranty plan for you.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost roughly $53–$62 per month. There are also service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before choosing a plan.
Coverage
Most home warranty companies can tailor a plan to your needs. Think about which appliances and systems you use often and need coverage for. If you only want coverage for select systems or appliances (such as your heating), 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
Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude cosmetic issues or appliance components, defects, routine maintenance, or theft. 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
Carefully consider a provider's reputation before purchasing a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites such as Google Reviews, Trustpilot, 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 a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Quality home warranty providers source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. Choose a provider that mentions service contractors you're familiar with. Homeowners in rural areas might prefer home warranty policies with the option to choose their technicians. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Harrisburg
Is a home warranty required in Harrisburg?
What are preexisting conditions?
What is Harrisburg'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?
How do I file a claim with my home warranty provider?
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