Homeowners in Nebraska get to take advantage of excellent views, endless outdoor activities, and some of the friendliest neighbors around. Owning a home in Nebraska comes with plenty of great benefits. However, no homeowner is exempt from the issues that will come up with appliance and system repair and replacement.
Nebraska homeowners will have issues with both systems and appliances throughout the course of a typical year of homeownership. Living in Nebraska has some great benefits, but the home warranty can provide the peace of mind that all homeowners need. In our guide featuring the best home warranty companies in Nebraska, we will give you information on how to choose the best home warranty, why a home warranty is necessary, and the best companies for a Nebraska home warranty.
Nebraska Top 4 Home Warranty Companies
Compare the Best Home Warranty Companies in Nebraska
The table below outlines data for the best home warranty companies on the market. We constantly update these ratings as companies change their policies and prices to give you the most accurate information possible. Continue reading in-depth reviews of several top providers.
Company | Monthly Cost | Service Fee | Coverage Limit | Response Time | Rating | States Covered |
 | $46.83–$54.75+ | $85 | $3,000 | 24–48 hours | 4.0 | 49 states, excluding WA |
 | $49.99–$99.99 | $75–$125 | $6,000 | 24–72 hours | 4.5 | 50 States |
 | $49.99–$69.99+ | $65–$125 | $2,000 | 12–48 hours | 4.3 | 47 states, excluding NV, WA, and WI |
 | $60.42–$63.75+ | $60–$75 | $3,000 | 24–48 hours | 4.2 | 47 states, excluding NV, WA, and WI |
 | $30.00–$60.00 | $75–$125 | $3,000 | 24–48 hours | 4.3 | 49 states, excluding HI |
 | $39.99–$54.99 | $100–$125 | $2,000 | 24–48 hours | 4.1 | 48 states, excluding AK and HI |
 | $17.00–$60.00 | $65–$100 | $2,500 | 24–48 hours | 4.0 | 42 states, excluding AK, HI, MT, NH, ND, OK, SD, and WY |
 | $36.00–$46.50 | $75–$125 | $3,500 | 24–48 hours | 3.9 | 34 states, excluding AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, and WI |
*Quote and cost data gathered January 2023. Cost data are updated and monitored continuously.
Choice Home Warranty
4.1
Our Rating
Choice Home Warranty is the best overall home warranty in the state of Nebraska. The Choice Home Warranty policy has a straightforward contract, impressive customer service, and fair pricing. Choice has been on the market for more than 13 years and has always remained a solid choice for Nebraska homeowners. Choice Home Warranty helps keep things very straightforward for the Nebraska homeowner. If your home is two years old or forty years old, Choice Home Warranty will still offer you coverage.
- Our Take: Best Overall
- Average Annual Cost: [$550] – [$650]
- Response Time: Up to 48 hours
Choice Home Warranty plans are unique in that there are only two of them. Each plan is a combo or a comprehensive plan, so it covers both systems and appliances. These plans are typically considered premium options from other providers, but Choice offers these as standard plans. In addition to the two impressive plan choices, there are plenty of options for services or add-ons that you can include as part of your plan as well. The service fees from Choice Home Warranty are $85, which is considered slightly below the industry average.
Here’s a detailed look at Choice Home Warranty’s coverage:
- Basic Plan ($42 per month): The Basic Plan from Choice Home Warranty covers 13 items, including plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater. The Basic Plan is considered the budget-friendly option from Choice, and it is an excellent option for those new to home warranty coverage.
- Total Plan ($53.33 per month): The Total Plan from Choice Home Warranty is the more comprehensive plan and covers all 13 items in the Basic Plan, plus an additional four items. The Total Plan includes the clothes washer, dryer, refrigerator, and air conditioner coverage. Although air conditioner coverage may not be one of the home systems that Alaska residents are all that concerned with
Choice Home Warranty has several add-on coverages that you can add to either of its plans.
- Roof leak coverage (single-family homes only)
- Central Vacuum
- Septic Tank
- Well Pump
- Pool
- Spa (Can be combined with pool coverage if the equipment is shared)
- Sump Pump (must be permanently installed)
- Stand Alone Freezer
Liberty Home Guard
4.5
Our Rating
Liberty Home Guard is the most trustworthy home warranty in the state of Nebraska. The interesting thing about Liberty Home Guard is that they have only been on the market for two years. This is a very short period for a company to earn a BBB rating of an A. When you look at reviews and customer reports from Liberty Home Guard, you will see that service is fast and friendly. Customers are very happy with the value they are getting from this plan and the overall extensive coverage options.
- Our Take: Most Trustworthy
- Average Annual Cost: [$649] – [$749]
- Response Time: Within 24 hours
Liberty Home Guard offers three policies to choose from. The policies are the Systems Guard, Appliances Guard, and Total Home Guard. The Total Home Guard is the most expensive of the policies, but it will combine the coverages of the other two. The Liberty Home Guard plan comes with a long list of add-on coverage options. Everything from floor and carpet cleaning to electronics protection can be added to your Liberty Home Guard. The service fee from Liberty Home Guard is $75.
Here’s a detailed look at Liberty Home Guard’s coverage:
- Appliance Guard ($64.99 per month): The Appliance Guard plan from Liberty Home Guard has coverage for 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker.
- Systems Guard ($69.99 per month): The Systems Guard plan is a systems-only option with nine systems. These systems are the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater. For a systems-only plan, the number of major systems included here is quite impressive.
- Total Home Guard ($74.99 per month): The Total Home Guard is the best value from LHG. Total Home Guard has more than 20 covered systems and appliances. With the Total Home Guard plan, you will notice that all the coverage from Appliance Guard and Systems Guard are combined. This home warranty policy is a great mix that will provide tremendous peace of mind.
Liberty Home Guard has one of the most extensive lists of add on coverages in the industry; these will include:
- Pool and spa
- Additional spa (Billed as an extra to the pool system)
- Saltwater pool
- Gutter cleaning
- Floor/carpet cleaning
- Sump pump
- Fixtures
- Water softener
- Trash compactor
- Lawn sprinkler system (all mechanical parts)
- Electronics protection
- Swamp cooler
- Ejector pump
- Septic system pumping
- Limited roof leak
- Pest control
- Locksmith
- Free-standing ice maker
- Central vacuum
- Stand-alone freezer
- Re-key
- Second refrigerator
- Wine refrigerator
- Well pump
- TV and PC
- Generator
- Water dispenser
Select Home Warranty
4.2
Our Rating
The Select Home Warranty is the most cost-effective home warranty plan for Nebraska homeowners. Select Home Warranty has some of the best coverage for the most reasonable price. With close to ten years in the industry, Select Home Warranty has learned what Nebraska homeowners need to keep their peace of mind and their budget. One of the best benefits of the Select Home Warranty plan is that it comes with free roof leak coverage. Most other companies will charge extra money each month to add on this coverage.
- Our Take: Most Cost Effective
- Average Annual Cost: [$579] – [$650]
- Response Time: Up to 48 hours
Select Home Warranty has a very classic setup when it comes to plan options. There are three plans to choose from the Gold Care, Bronze Care, and Platinum Care. The Platinum Care plan is the only one with various systems and appliances as part of the plan. One of the best things about Platinum Care is that it combines the coverages of Gold and Bronze to create a cost-effective and comprehensive option for homeowners. There are also add-ons or options coverages offered by Select. The service fee from Select Home Warranty is $65, considerably less money than the average service call fee on the market.
Here’s a detailed look at Select Home Warranty’s coverage:
- Bronze Care ($52 per month): The Bronze Care plan is an appliance-only home warranty plan. This plan covers seven major appliances, including a refrigerator, built-in microwave, clothes washer and dryer, oven, garbage disposal, and cooktop.
- Gold Care ($52 per month): The Gold Care plan is a system-only plan from Select Home Warranty. There is coverage for six systems; plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. The Bronze Care and Gold Care plan are quite similar; one will handle home systems and the other home appliances.
- Platinum Care ($58 per month): The Platinum Care plan will include all of the appliances under the Bronze Care plan and all of the systems under the Gold Care Plan. The combination of coverage of the Bronze Care and the Gold Care makes the Platinum Care plan the best protection against breakdowns.
Select Home Warranty has several add-on coverages that you can attach to either of its plans; roof leak coverage is included without paying extra.
- Central vacuums (Does not include clogged pipes)
- Lawn sprinkler systems
- Pools (Can combine with spa coverage if the equipment is shared)
- Spas
- Stand-alone freezers
- Sump pump (must be within the foundation of the home)
- Well pump
American Home Shield
4.2
Our Rating
American Home Shield is the most customizable plan in Nebraska. The variety in the types of homes in Nebraska is quite extensive. Therefore if you need a plan with unique coverage options, the American Home Shield is a perfect choice. The American Home Shield plan has more than 50 years of experience in the home warranty industry. This is quite a bit of time in a complicated business and has given the American Home Shield policy the premium name.
- Our Take: Best Customizable Plans
- Average Annual Cost: [$479] – [$779]
- Response Time: Up to 48 hours
There are three American Home Shield policies offered for Nebraska homeowners. Out of these three policies, two combo or comprehensive options tend to be the most popular. Having both system and appliance coverage is an excellent benefit for homeowners in Nebraska. In addition, there are some impressive electronics add-on coverages for the more expensive electronic devices in your home. The service fees from AHS are customizable and range from $75 to $125. The higher the service fee, the lower the monthly payment of your home warranty policy.
Here’s a detailed look at American Home Shield’s coverage:
- ShieldSilver™ ($39.99 per month): The ShieldSilver plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, central vacuums, doorbells, garage door opener, heating system, garbage disposals, ceiling fans, instant hot/cold water dispenser plumbing, and ductwork.
- ShieldGold™ ($49.99 per month): ShieldGold is the combo plan covering both systems and appliances. There are 23 home systems and appliances on this plan. The ShieldGold plan has additional coverages, including a clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. Home systems are some of the most important covered items for Nebraska homeowners because of the high cost to repair; the Shield Gold can help save you thousands of dollars.
- ShieldPlatinum™ ($64.99 per month): The ShieldPlatinum plan includes 27 systems and appliances. Pricing for ShieldPlatinum is slightly higher, but it is one of the more premium home warranty plan choices in the state of Nebraska. The coverage caps from Shield Platinum are higher than any other home warranty provider, and there are very few exclusions. If you want the best of the best for your Nebraska home, this would be the policy to choose.
American Home Shield also offers several add-on coverages for homeowners to consider.
- Septic system (first-year customers only, nonrenewable)
- Pool
- Spa
- PC
- TV (includes home theater system)
- Well pump coverage
Home Warranties in Nebraska Cities
How Much Does a Home Warranty in Nebraska Cost?
The average Nebraska home warranty will cost just less than $700 per year. If you are living in a large home and include a number of add-on coverage options, expect that the service provider will increase the monthly fees of your home warranty. Some home warranties will have an adjustable deductible or service fee that will allow you to customize the monthly price that you pay for your home warranty plan. Homeowners need to find a balance between the coverage and the pricing of their plan.
| Overall | $698.94 |
| Single Family | $563.99 |
| Multi Family | $1,078.47 |
| Townhome | $477.77 |
| Condo | $607.40 |
| Duplex | $875.75 |
| Home Over 5,000 sq ft | $1,294.73 |
| Home Under 10,000 sq ft | $634.60 |
Final Thoughts
Hopefully, you now feel ready to narrow down this list to the best choice for your Nebraska home. Although all four choices have some great benefits, Choice Home Warranty still stands out as the overall best. The time Choice has spent in the industry, the quick service, and the impressive customer service make this one of the best values on the home warranty market. It makes sense to get more than one quote to compare each of these companies against each other and decide on the best one for your Nebraska home.
How to Choose the Best Home Warranty in Nebraska
Hopefully, you feel as though you can choose between one of these four policies for your Nebraska home. Now you will have to take a deeper look at these plans and try to decide which will be the best overall choice for you. When looking at a Nebraska home warranty, three important things are the plan structure, overall pricing, and workmanship guarantee.
- Plan Structure: The home warranty plan can either have appliances, systems, or both appliances and systems. Many homeowners in Nebraska like the benefits of the combo or comprehensive plan. Since there is no telling what might break next, this plan structure is important to consider.
- Overall Pricing: When comparing the overall pricing of a home warranty plan, consider monthly payments and the service fees associated with the plan. The high service fees can have a big impact on the overall affordability of your home warranty plan.
- Workmanship Guarantee: Just because a repair works initially may not mean that it is fixed for good. Companies with an excellent workmanship guarantee will come back for re-service up to 90 or 180 days out from when the appliance or system was first repaired.
Even with all the great things about homeownership in Nebraska, there are also times when the weather patterns and climate of the state can bring about even more home-related issues. Three of Nebraska’s top home maintenance problems include roof leaks, electrical systems, and heating system problems.
- Roof Leak: Roof leaks can lead to other issues with both systems and appliances in the home. The quicker the roof leak issues are handled, the better. Therefore having a home warranty in place that guarantees service within a specific time frame will be a great benefit.
- Electrical System: The electrical system in your Nebraska home is going to keep all other systems and appliances up and running. Finding a great electrician can be a headache. However, with a home warranty in place, this will all be done for you. Home warranty companies test and approve all contractors and repair technicians that they send to your home.
- Heating System: Nebraska winters are cold and windy. It will only take a few hours without a heating system to realize you have a major problem. Parts for a heating system can cost hundreds of dollars, but you will only be responsible for your service fee with a home warranty in place.
What is a Home Warranty?
A home warranty is a plan that homeowners can invest in designed to lower out-of-pocket expenses on home system and appliance repairs and replacement costs. If one of your kitchen appliances starts to act up, the home warranty will step in, and a service contractor will come to your home to start the repair process. Home warranty plans can be purchased for a new home, and homes that have been around for many years. The Nebraska home warranty will cost between $35 and $70 a month, depending on the coverage that you choose.
Home Warranty vs. Homeowners Insurance
A home warranty and homeowners insurance are not the same. The home warranty will cover the basic systems and appliances that you use on a daily basis in your home. These include things like the HVAC system or the refrigerator. The homeowners insurance policy is designed to protect against large and uncontrollable disasters. Things like a tornado or a house fire are the main issues that a homeowners insurance policy will work to protect against. The homeowner’s insurance policy is typically mandatory for those with a mortgage, but the home warranty is a voluntary plan.
How Does a Home Warranty in Nebraska Work?
A home warranty plan is designed to be relatively easy to use. Whether you have chosen AHS, CHW, or THSC, you will have to request service each time you experience a breakdown of a system or appliance. Owning real estate can be stressful. For Nebraska, a home warranty works to ensure that this is not an overwhelming process for homeowners.
- Find a home warranty plan that meets the needs of your Nebraska home
- Wait the 10-30 days before the home warranty will go into full effect; cancellation during this time period is typically free of charge
- If you experience an issue with a home system or appliance, check your policy to see if it could be covered as part of your home warranty plan
- Most times, a home warranty provider will have an online portal system allowing you to submit a claim; in addition, you can use a phone call or a live chat to let a representative know about your home warranty-related issue
- Pay the service call fee, and the technician or contractor will come to your home and help complete your repair typically the service fee will be the only out of pocket costs
- Once the issue is inspected, options for repair or replacement will be presented to homeowners; if the appliance or system can’t be repaired, the home warranty plan may offer replacement costs
- Repair should happen within 24-72 hours; most contractors and service technicians want to get the repair fixed as soon as possible
- A workmanship guarantee will protect you from having to pay the service fee more than once; if the repair fails, simply let your home warranty provider know, and they will send someone to repair it for you
What does a Home Warranty Cover?
A home warranty is designed to protect against three major groups of coverage, the home systems, home appliances, and the add-on coverage. The home systems include things like HVAC, plumbing systems, electrical systems, and more. With the high cost to repair home systems, it is quite important to choose a plan with some system coverage.
Home appliances like the laundry room and kitchen appliances are also typically offered as coverage options. A combo plan with home systems and home appliances is typically the best option for Nebraska homeowners.
Add-on coverage can include things like swimming pools, lawn sprinklers, and pest control options for homeowners. The add-on coverages will require additional investment into the home warranty provider typically starting around $5 per month for each covered item. The home warranty can offer quite a bit of coverage but will only cover normal wear.
What is Not Covered by a Home Warranty?
Home warranty plans only cover normal wear. Having a home warranty in place does not mean you can neglect your home-related issues. Homeowners must still follow routine maintenance for their home systems and appliances. Here are a few of the things that are not covered by a home warranty plan:
- Cosmetic issues
- Preexisting conditions
- Natural disasters
- Lack of maintenance and upkeep
- Intentional breakage
- Misuse of a system or appliance
Biggest Complaints about Home Warranty Companies in Nebraska
The Nebraska home warranties can cover a variety of home systems and appliances and save homeowners hundreds if not thousands of dollars. There are a few issues that homeowners find to be difficult to deal with when they have a home warranty in place. Three of these include claim denial, failed repairs, and lower coverage caps.
- Claim Denial: at times, a home warranty repair or claim will be denied by the provider. This typically happens because of a lack of maintenance or upkeep. Sometimes getting an inspection before the start of your home warranty plan will help ensure you have fewer claim denials.
- Failed Repair: home warranty providers contract with impressive service technicians and repair personnel to ensure that your home warranty claim is handled quickly and professionally. Sometimes there are failed repairs, and these can be frustrating, but a workmanship guarantee should protect you from additional costs.
- Lower Coverage Caps: the coverage cap determines the out-of-pocket expense that a home warranty provider will pay out for a home system or appliance repair. Homeowners will find that lower coverage caps mean more denials, and that will require higher out-of-pocket expenses. Invest in the plan with higher coverage caps as it will pay off in the end.
Are home warranties worth it?
A Nebraska home warranty is worth the money that you will pay. Homeowners in Nebraska will have complete peace of mind about their home systems and appliances and the ability to pay for these repairs and replacements. Although you may be able to afford a single repair to a washer or dryer, the cost of repairing several home systems or appliances at once is quite high.
With the Nebraska home warranty, you can have peace of mind about the out-of-pocket expenses that you will pay. A home warranty provider may charge a service fee to come out and inspect and repair your home system and appliance, but it will still be considerably less expensive than if you were to have this item repaired without the home warranty in place.
Most homeowners find that a home warranty plan will pay for itself after about one or two repairs around the home. If you have a bad year where your home needs four or five repairs, your home warranty can save you hundreds or thousands of dollars.
FAQs About Nebraska Home Warranties
How much does a home warranty cost in Nebraska?
Nebraska home warranties can cost anywhere from around $35 to over $75. When you sign up for a home warranty, you can adapt the plan to work for your budget. If you have no financial concerns, you can add coverage for every system and appliance in the home and have a pretty high monthly fee. Those on a budget will enjoy the limited policy options that allow for the major appliances and systems to be covered.
What is a service fee?
A service fee is a price you pay when you need to repair one of your covered appliances or systems. The service fees range in price from $60 to $150. Some policies will allow you to increase your monthly payments to lower your service fee. You have to find a structure and budget that works for your needs.
What is the best home warranty company in Nebraska?
The best home warranty company in Nebraska is Choice Home Warranty. Choice is a nationwide company offering reasonably priced service, great customer benefits, and quick response times. Choice Home Warranty has been in the industry for more than 13 years, and it makes sense to consider this option when picking a plan.
Is a home warranty worth it?
A home warranty is well worth the pricing that you pay. Having a home warranty ensures that you are protected from large repair-related expenses. There is no way to prepare for what may happen around your home in a year. To help keep your month-to-month expenses in control, the home warranty will make a huge difference. Think about losing your washing machine, dryer and cooktop all in the same month. It will only take a few phone calls to repair technicians to realize the value that a home warranty can offer.
Today's Homeowner Home Warranty Ranking Methodology
At Today's Homeowner, transparency and trust are our most important values for the reader.
To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
To make the most of our research, we developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria.
