A Philadelphia home warranty can help protect home buyers and current homeowners by lowering the costs of major repairs and replacements on your home's appliances and systems.
Many living in Philadelphia have fulfilled their dream of homeownership. However, as great as Philadelphia can be, there are always added responsibilities that come with owning a home, such as keeping your home's systems and appliances maintained.
Finding the best home warranty on the market can be quite overwhelming as there are dozens of companies to decide between. That's why our team at House Method did the research and made a list of the top home warranty companies in Philadelphia for you.
Once you're ready to purchase a home warranty plan, the first step is figuring out what items you want coverage for. After that, you can compare plans and call different home warranty companies for a free quote. Plans can vary, so take into consideration the following factors when picking a home warranty plan:
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
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A home warranty is a plan that can reduce the cost of on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Philadelphia home comfortable and convenient. When these things start to break down, it can be costly and a hassle. Luckily, with a home warranty plan, an affordable repair is just a phone call away.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty service provider. Most companies have an online portal system to help you do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. The claim is then processed, and a homeowner will pay a predetermined service fee to schedule the repair . This repair will usually occur within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees range between $60 and $150.
A home warranty offers coverage on your home's major appliances and systems and it can help cut back on your home maintenance expenses. The appliances that are usually covered under a home warranty plan include garbage disposal, clothes washer, refrigerator, clothes dryer, microwave, dishwasher, and more. The systems usually included are ductwork, plumbing systems, electrical systems, hot water heaters, and air conditioners. The add-on coverage options can include septic system, pool, roof leak, spa, and sometimes even things like locksmith or pest control.
A home warranty will only cover normal wear and tear that occurs on your home systems and appliances. Things such as lack of maintenance, misuse, pre-existing conditions, and cosmetic damages are excluded from the home warranty policy.
Temperatures in Philadelphia can get quite high in the summer, which means your air conditioner is likely to get a decent amount of use. As a homeowner in Philadelphia, one of the benefits of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
A home warranty can also provide value in other ways. For example, some policies can be transferred between owners when you sell your home.
One downside of signing up for a home warranty is that there are usually exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it's important to read through any contracts you're considering carefully to get a sense of what is included and what isn't. Another thing to take into consideration is that some companies don't cover pre-existing damage and may require an inspection before your coverage can start. Ask the home warranty company for clarification about this if you aren't sure or if this is an issue for you.
It can be hard to budget for the unexpected expenses that can come with owning a home, but a home warranty can help with that. Like any other warranty or insurance policy, there will always be pros and cons of buying one but its main purpose is to provide protection and peace of mind.
Hopefully, this review of Philadelphia's best home warranty providers has helped you narrow down your choices and decide on a plan. All of these top home warranty companies have impressive experience in the industry and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. Its comprehensive coverage, affordable pricing, and ease of use make it a great home warranty for Philadelphia homeowners.
Our pick for the best overall home warranty company in Philadelphia is Choice Home Warranty but the perfect company for you will vary based on factors like what appliances and systems you need to have covered.
First-time home buyers, homeowners, real estate agents, landlords, and home sellers can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save homeowners money in the long run.
A home warranty policy covers repair and replacement costs for home systems and appliances. Home warranties will not cover the intentional breaking of an appliance or something that happened as a result of a pre-existing condition.
Home warranties will cover the cost of repairs and replacements if it is within the coverage limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay for the rest out of pocket.
The service fee is the price homeowner pay each time there is an issue with a home system or appliance. The service fees are typically between $60 and $150.