Are Home Warranties Worth It for Scranton Residents?
Home warranties are worth it for Scranton residents. Scranton summers are fairly mild, but it's still important that your air conditioner works well. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Scranton also has cold winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range anywhere from $2,500–$8,000. Home warranties, on the other hand, come in at only $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.
The regular rain in Scranton can damage your home's roof. Some home warranty providers offer limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, your home warranty will connect you with trustworthy service providers.
A reputable home warranty is a good investment because companies vet their technicians. When life keeps you busy, your home warranty provider can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you choose the best home warranty plan for your needs.
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. 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 selecting a plan.
Coverage
Figure out which systems and appliances you use most often. You want your home warranty plan to cover these items. Most home warranties can be tailored to your needs, and many providers offer systems-only plans for homeowners that only need select coverage (such as for heating). You can also find plans that cover only select appliances. 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 cover only normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude cosmetic issues or appliance components, routine maintenance, theft, or defects. Providers outline exclusions and limitations within their service contracts. We recommend reading carefully to fully understand your plan's terms and conditions.
Provider Reputation
Also, consider a provider's reputation when choosing a plan. You can find customer reviews on sites like Trustpilot, Best Company, and Google Reviews or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings 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. Trustworthy home warranty companies source licensed and registered contractors to fulfill service requests. We suggest asking a provider where and how it sources technicians. If you can, use a provider that mentions service contractors you're familiar with. Residents of rural areas should consider choosing a home warranty that lets them choose their technicians. It's good to have the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in Scranton
Do I need a home warranty in Scranton?
What are preexisting conditions?
What is the best home warranty provider in Scranton?
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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