Are Home Warranties Worth It for Lancaster Residents?
Yes, home warranties are worth it for Lancaster residents. Summers in Lancaster can get hot, which makes it important to have a reliable air conditioner. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Lancaster has relatively mild winters, but there are still days you'll need your heating. The cost of replacing your HVAC system can range between $2,500 and $8,000. A home warranty plan is comparatively cheaper, only $644–$737 a year, based on 120 quotes we received from home warranty companies nationwide.
Lancaster'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 trustworthy service providers.
When life is keeping you busy, you want to know that a reliable technician 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 choosing the best home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and discovered 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. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before choosing a plan.
Coverage
Many home warranty companies offer systems-only plans or plans for select appliances. Determine which systems and appliances you use most often before purchasing a plan. If you only want coverage for certain major systems (such as air conditioning) or certain appliances, you can find a plan that meets your needs. 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 preexisting conditions and improper installation. Most policies also exclude cosmetic issues or appliance components, defects, theft, or routine maintenance. Providers outline their limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand the terms and conditions of your plan.
Provider Reputation
Carefully consider a provider's reputation before committing to a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Trustpilot, Best Company, and Google Reviews. These reviews can give you an idea of how companies handle customer service and claims. Check with the Pennsylvania Attorney General to verify that a provider holds a license with the state.
Contractor Network
Consider a home warranty company's network of service providers. Reputable home warranty providers source licensed and registered contractors to fulfill service requests. We suggest asking a provider how and where it sources technicians. We recommend picking a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider choosing a home warranty that lets them select their technician. Rural areas may not have any in-network service providers available, so customers might need to source their own.
Frequently Asked Questions About Home Warranty in Lancaster
Do I need a home warranty in Lancaster?
What are preexisting conditions?
What is Lancaster'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 is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
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