Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
As much as you may enjoy owning a home in Pelham, there's always that concern about whether your systems and appliances are going to make it through the next few years. A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
Finding the right warranty for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Pelham. Read on for our top provider recommendations.
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
In Pelham, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been operating for over 6 years, making it a well-regarded company in the industry. Liberty has 3 simple plans, making the selection process easy. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that offer a combination of appliance and system coverage. The coverage caps associated with Liberty’s plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
For a more detailed breakdown, read our Liberty Home Guard Review. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 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
In Pelham, Choice Home Warranty offers the best overall home warranty. Choice has been operating for over 15 years, making it a well-regarded company in the industry. Choice has 2 simple plans, making the selection process easy. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that offer a combination of appliance and system coverage. The coverage caps associated with Choice’s plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
For a more detailed breakdown, read our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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
In Pelham, Select Home Warranty offers the most cost-effective home warranty. Select has been operating for over 11 years, making it a well-regarded company in the industry. Select has 3 simple plans, making the selection process easy. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that offer a combination of appliance and system coverage. The coverage caps associated with Select’s plans are around the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
For a more detailed breakdown, read our Select Home Warranty Review. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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
In Pelham, American Home Shield offers the most customizable home warranty. AHS has been operating for over 26 years, making it a well-regarded company in the industry. AHS has 3 simple plans, making the selection process easy. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. The coverage caps associated with AHS’s plans are around the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read our American Home Shield Review. To get a free quote from American Home Shield, fill out this online form or give them a call at 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
In Pelham, First American Home Warranty offers the best home warranty for appliance coverage. First American has been operating for over 39 years, making it a well-regarded company in the industry. First American has 2 simple plans, making the selection process easy. If you’re looking for very affordable and comprehensive appliance coverage, First American is the perfect provider for you. Plus, it 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.
First American Home Warranty has 2 plans that offer a combination of appliance and system coverage. The coverage caps associated with First American’s plans are around the $1,500 mark for many of the major systems and appliances, and service fees are a reasonable $85.
For a more detailed breakdown, read our First American Home Warranty Review. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 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
In Pelham, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been operating for over 44 years, making it a well-regarded company in the industry. Cinch has 3 simple plans, making the selection process easy. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that offer a combination of appliance and system coverage. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
For a more detailed breakdown, read our Cinch Home Services Review. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 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
In Pelham, The Home Service Club offers the best home warranty with the quickest service. HSC has been operating for over 15 years, making it a well-regarded company in the industry. HSC has 2 simple plans, making the selection process easy. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, HSC is the perfect provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that offer a combination of appliance and system coverage. The coverage caps associated with HSC’s plans are around the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
For a more detailed breakdown, read our The Home Service Club Review. To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,267 |
| Heating | $4,178 |
| Electrical | $627 |
| Toilets | $522 |
| Washer/Dryer | $836 |
| Plumbing | $627 |
| Oven | $1,671 |
| Fridge | $627 |
A home warranty is a protection policy that assists Pelham 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 file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty provides peace of mind for homeowners by helping them prevent expensive emergency repairs. They're particularly useful for those who own older homes or ones with outdated systems. Newer homes with functional appliances probably don’t need a home warranty.
Home warranties cover many household systems and appliances. Covered appliances typically include dishwashers, washers, refrigerators, dryers, garbage disposals, microwaves, and others. Covered systems include plumbing, electrical, heating, and air conditioning. Many home warranty providers also offer additional coverage for roof leaks, central vacuums, locksmiths, and septic systems. It's important for Pelham homeowners to know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as natural disasters, cosmetic issues, pre-existing conditions, or improper use of a system or appliance. It's important to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Here are some essential home warranty terms to understand before signing a contract:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty policies differ significantly in terms of coverage. Most plans cover plumbing, AC, heating, electrical, and appliances. More inclusive options also offer protection for other items such as roof leaks, spas, well pumps, and pools. Look for a provider that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These per-claim charges 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 gives you insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Use third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Favorable ratings and reviews indicate a company known for stellar service.
Home warranty businesses keep networks of local professionals to handle repairs in your area. Contact potential providers to find out how many repair professionals they have in Pelham and get an idea for how quickly your repairs could take place in an emergency situation. Wider networks improve the likelihood of getting qualified contractors to quickly service your home.
Certain home warranty companies provide perks such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These bonuses provide extra value beyond repair coverage. Extra perks help improve your home and maximize your home warranty.
Since temperatures in Pelham can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Purchasing a home warranty can help homeowners save money if one of these systems or appliances breaks down suddenly.
In addition to saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the headache of trying to find a qualified technician to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair problems you may come across. Another added benefit of having home warranty coverage is that it can increase your home’s property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
One drawback of buying a home warranty is that there are usually exclusions. For example, 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 over the contracts you’re considering thoroughly 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 problems 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.
A home warranty in Pelham can cost anywhere from $30 to $60 a month. The higher-priced plans usually have broader coverage, a lower service fee, and higher coverage limits. This cost is often lower if you pay annually instead of monthly. Some companies will also lower your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty policies cover issues related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger insurance that protects an entire home from natural disasters, which can sometimes be a concern in Pelham. It doesn't cover a normal appliance or system breakage.
A home warranty policy can help homebuyers, homeowners, real estate agents, investors, and home sellers. It can offer peace of mind to anyone involved in homeownership.
A home warranty can cover your home’s systems, appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Generally, a home warranty plan lasts for a year and can be renewed yearly. Some providers may offer month-to-month options.
In general, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Pelham, where the median value of a home is $304,749, having the seller pay for the home warranty can save you some money on your new home.
