Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Irondale offers homeowners some beautiful housing options. However, unplanned repair and replacement costs on your home’s appliances and systems can get quite costly. A home warranty is a way to protect your savings account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Finding the best home warranty on the market can be difficult because of the sheer number of options available. If you're tired of trying to compare them all, keep reading for our guide to the top home warranty companies in Irondale.
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 in Irondale. Liberty has 3 simple plans, making the selection process easy. 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.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Irondale area.
Read more by visiting our Liberty Home Guard Review. To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
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 in Irondale. Choice has 2 simple plans, making the selection process easy. 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.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Irondale area.
Read more by visiting our Choice Home Warranty Review. To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
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 in Irondale. Select has 3 simple plans, making the selection process easy. 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.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Irondale area.
Read more by visiting our Select Home Warranty Review. To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
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 in Irondale. AHS has 3 simple plans, making the selection process easy. 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Irondale area.
Read more by visiting our American Home Shield Review. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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 in Irondale. First American has 2 simple plans, making the selection process easy. 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.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Irondale area.
Read more by visiting our First American Home Warranty Review. To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
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 in Irondale. Cinch has 3 simple plans, making the selection process easy. 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.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Irondale area.
Read more by visiting our Cinch Home Services Review. To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
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 in Irondale. HSC has 2 simple plans, making the selection process easy. 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.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Irondale area.
Read more by visiting our The Home Service Club Review. To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
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 | $6,404 |
| Heating | $4,269 |
| Electrical | $640 |
| Toilets | $534 |
| Washer/Dryer | $854 |
| Plumbing | $640 |
| Oven | $1,708 |
| Fridge | $640 |
A home warranty is a protection plan that assists Irondale homeowners reduce the high costs of household repairs. These plans provide financial protection to fix or swap out appliances and systems that stop working from 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 repair or replacement costs go over the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid high-priced emergency repairs. The coverage is especially helpful for buyers of older houses or houses with systems near the end of their life span. However, people with newer homes and modern appliances may not need a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are dishwashers, refrigerators, garbage disposals, washers, dryers, microwaves, and more. Included systems are typically plumbing, electrical, air conditioning, and heating. Many home warranty companies provide add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. It's important for Irondale homeowners to understand most home warranty plans have a 30-day waiting period before repairs are covered. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or improperly using a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
Home warranties use several terms that you'll want to learn before signing a contract, such as:
There are several key considerations when choosing a home warranty provider:
Home warranties have significant variation in what they include. Basic policies typically cover heating, plumbing, electrical, AC, and appliances, while more comprehensive options may also cover spas, well pumps, pools, and roof leaks. Focus on companies with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize your plan to meet your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies with lower service fees to maximize savings. Some companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's reputation gives insight into things such as contractor quality, repair timeliness, approval rates, and customer satisfaction. Browse review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Good ratings and feedback indicate a company known for exceptional service.
Home warranty companies have networks of contractors to handle covered repairs. Larger networks improve the probability of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Irondale to get a sense of how soon your repairs could be handled in an emergency.
Home warranty providers may include bonuses such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These can add value beyond just repair coverage. Added perks can maximize the usefulness of your home warranty.
Since temperatures in Irondale can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Having a home warranty can help homeowners save money if one of these systems or appliances breaks unexpectedly.
A home warranty also can also save you time and energy. Instead of spending hours researching and selecting a contractor to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Plus, having a home warranty can help make your house more attractive to potential homebuyers should you ever decide to sell in the future. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you’ve been benefiting from.
There are also some downsides to buying a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty.
Another possible pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your claims being denied, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Irondale can cost between $30 and $60 a month. Higher-priced plans typically have a lower service fee, higher coverage limits, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also decrease your up-front costs when you opt for 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 helps protect against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in case of a situation such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim if you need a new washing machine or stove, unless the damage is due to a natural disaster, which is somewhat common in Irondale.
First-time homebuyers, home sellers, landlords, homeowners, and real estate agents can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
The different kinds of home warranties in Irondale include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover your systems and appliances, including your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the items mentioned in the contract.
Generally, a home warranty plan lasts for a year and can be renewed annually. Some providers may offer month-to-month options.
Typically, the person who owns the home pays for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Irondale is $272,759, a home warranty can save you some money when buying a home.
