Are Home Warranties Worth It for State College Residents?
Home warranties are worth it for State College residents. State College can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioning system may malfunction over time due to breakdowns from regular wear and tear.
State College winters are very cold, meaning you rely on your heating system often. HVAC system replacement can cost anywhere from $2,500–$8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies across the nation. State College's regular rain showers can also affect your home's roof.
Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Lastly, 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 every service provider they work with.
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 received 120 quotes for a 2,000-square-foot, single-family home and found 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. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know your specific needs before selecting a plan.
Coverage
You can often find home warranty plans that cover specific appliances and systems. Decide whether you want coverage for major systems (such as heating), specific appliances, or both. Then ask your provider what its options are for customized coverage. 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
Typically, home warranties only cover normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, defects, routine maintenance, or theft are also not covered. Providers will outline limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand your plan's terms and conditions.
Provider Reputation
Consider a provider's reputation before choosing a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites like Best Company, Trustpilot, and Google Reviews. Reading these reviews gives you an idea of how companies handle customer service and claims. Check with the Pennsylvania Attorney General to verify that a provider holds a valid state license.
Contractor Network
Take into account 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. Choose a provider that mentions service contractors you're familiar with. Rural homeowners might opt for a home warranty that allows them to choose their technician. You may need to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in State College
Is a home warranty required in State College?
What are preexisting conditions?
What is the best home warranty provider in State College?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How do I file a claim with my home warranty provider?
How can I maximize the value of my home warranty?
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