Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
There are many perks of owning a home, but as your Fort Payne home gets older, you may have to update or repair your appliances and systems. A home warranty can give you the peace of mind you need and safeguard your savings account from unexpected expenses by covering your home’s major appliances and systems.
Choosing the best home warranty on the market can be difficult because of the numerous options out there. If you're tired of trying to compare them all, keep reading for our guide to the best home warranty providers in Fort Payne.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty for Fort Payne residents. The 3 home warranty plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to about $3,000 per covered system or appliance.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For a more detailed breakdown, read our full review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty offers the best overall home warranty for Fort Payne residents. The 2 home warranty plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 per covered system or appliance.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For a more detailed breakdown, read our full review of Choice Home Warranty.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty offers the most cost-effective home warranty for Fort Payne residents. The 3 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 per covered system or appliance.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For a more detailed breakdown, read our full review of Select Home Warranty.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield offers the most customizable home warranty for Fort Payne residents. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 per covered system or appliance.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For a more detailed breakdown, read our full review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage for Fort Payne residents. The 2 home warranty plans that First American offers include differing levels of system and appliance coverage, as well as add-on options. First American offers very affordable and comprehensive appliance coverage. Plus, it also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage caps come out to about $1,500 per covered system or appliance.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For a more detailed breakdown, read our full review of First American Home Warranty.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services offers the home warranty with the best workmanship guarantee for Fort Payne residents. The 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 per covered system or appliance.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For a more detailed breakdown, read our full review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club offers the best home warranty with the quickest service for Fort Payne residents. The 2 home warranty plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 per covered system or appliance.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read our full review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $5,618 |
| Heating | $3,746 |
| Electrical | $562 |
| Toilets | $468 |
| Washer/Dryer | $749 |
| Plumbing | $562 |
| Oven | $1,498 |
| Fridge | $562 |
A home warranty is a protection policy that helps lower expenses for Fort Payne homeowners needing appliance and system repairs. These plans provide coverage to fix or replace appliances and systems that stop working due to normal wear and tear. Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty provides peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who own older homes or ones with aging systems. Newer homes with functional appliances probably don’t require a home warranty.
Home warranties safeguard both your home systems and appliances. Common covered appliances include garbage disposals, washers, microwaves, dishwashers, refrigerators, dryers, and others. Covered systems include plumbing, electrical, heating, and air conditioning. Many home warranties offer additional add-on coverage options for septic systems, central vacuums, locksmiths, and even roof leaks. It's important for Fort Payne homeowners to know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, cosmetic issues, natural disasters, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement is covered by your policy.
Here are some essential home warranty words to understand before signing a contract:
There are several important factors to consider when selecting a home warranty provider:
Home warranty plans vary widely in what they include. Most plans provide protection for AC, heating, plumbing, electrical, and appliances. More robust plans also offer protection for other items such as roof leaks, pools, well pumps, and spas. Focus on providers with broad coverage options including upgraded plans. This flexibility enables you to customize your plan to meet your home's needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation can provide insight into things such as approval rates, contractor quality, repair timeliness, and customer service. Browse review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Positive ratings and feedback indicate a company known for great service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Reach out to potential companies to ask how many repair specialists they have in Fort Payne and get an idea of how quickly your repairs could be handled in an emergency. More extensive networks increase the likelihood of getting qualified contractors to swiftly service your home.
Certain home warranty providers offer extras such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These can provide extra value beyond repair coverage. Added perks enhance your home and maximize your home warranty.
Since temperatures in Fort Payne can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Buying a home warranty plan can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Plus, having a home warranty can save you time by eliminating the need to research technicians — most providers will send a trusted professional right to your door to do the necessary repair or replacement. In addition, though home warranty companies vary, some providers will let you transfer your warranty in the event that you sell your home. This can make your home more attractive to potential homebuyers and maybe even help your home sell faster.
There are also some drawbacks to buying a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that are already covered under a manufacturer's warranty.
Another thing to consider is that some providers don’t cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty company for clarification about these things if you need more information or if this is a problem for you.
A home warranty in Fort Payne can cost between $30 and $60 a month. The higher-priced plans typically have higher coverage limits, a lower service fee, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some providers will also decrease your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan protects against normal wear and tear to home systems and appliances. A homeowners insurance plan protects your entire home in a situation such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim should you need a new dryer or dishwasher, unless the damage is due to a natural disaster, which is somewhat common in Fort Payne.
A home warranty policy can help homebuyers, investors, home sellers, homeowners, and real estate agents. It can provide peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in Fort Payne include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers your systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the items listed in the policy.
Home warranty plans typically last a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Typically, the homeowner pays for the home warranty. In some cases, however, the one selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Fort Payne is $183,732, a home warranty can save you some money when buying a home.
