Are Home Warranties Worth It for Reading Residents?
Yes, home warranties are worth it for Reading residents. Summers in Reading can get hot, which makes it 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 Reading are very cold, meaning you rely on your heating system often. Replacing your HVAC system 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 across the nation. The frequent rain in Reading can damage your roof.
The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Lastly, home warranties connect you with trustworthy service providers. Reputable home warranty companies vet all their service providers.
If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when choosing the right home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranty plans generally cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as getting add-on coverage options will raise the monthly price.
Coverage
Most home warranty companies can tailor a plan to your needs. Think about which systems and appliances 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
Home warranties typically only cover breakdowns from normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover cosmetic issues or appliance components, routine maintenance, defects, or theft. Each provider outlines exclusions and limitations within its service contract. We recommend reading it to understand your plan's exact terms and conditions.
Provider Reputation
Also, consider provider reputation when making a decision. You can find customer reviews on sites like Google Reviews, Best Company, 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 claims and customer service. Check with the Pennsylvania Attorney General to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's service provider network. Any provider 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 the names of familiar service contractors. Residents of rural areas should consider a home warranty policy that allows the customer to choose their technician. There may be no in-network service providers available in these areas, and customers may need to source their own.
Frequently Asked Questions About Home Warranty in Reading
Is a home warranty required in Reading?
What are preexisting conditions?
What is Reading'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 can I maximize the value of my home warranty?
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