Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Are you considering getting a home warranty? Check out one of our top home warranty companies. Fort Smith gives homeowners some great housing options and the opportunity to enjoy the seasons. However, the variable temperatures can put quite a strain on your home's systems, such as your HVAC.
A home warranty is a way to protect your bank account from unexpected large 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 plan for your Fort Smith home can be difficult, so our team at Today's Homeowner did the research to help you find the best home warranty in Fort Smith for your home. Keep reading for our home warranty recommendations.
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 Fort Smith, Choice Home Warranty is the best overall home warranty. Choice is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the home warranty for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for you to choose from.
Choice Home Warranty offers 2 plans for Fort Smith homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our Choice Home Warranty full review to learn more.
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 Fort Smith, Select Home Warranty offers the most cost-effective home warranty. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Fort Smith area.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit our comprehensive 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 is the most customizable home warranty in Fort Smith. AHS has been in the home warranty business for over 26 years. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage 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.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 for each covered system or appliance.
To read more, visit our review of American Home Shield. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Fort Smith. The 2 plans from HSC are comprehensive and offer both system and appliance coverage. 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, this is the plan 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Fort Smith area.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting our The Home Service Club full review.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
In Fort Smith, Liberty Home Guard is the most trustworthy home warranty. Liberty has been in the home warranty industry for about 6 years. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you'll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
Liberty Home Guard has 3 plans that provide a mix of appliance and system coverage. The coverage caps associated with Liberty's plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
Read more by visiting our Liberty Home Guard Review. To receive 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
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 Smith residents. First American has been in the home warranty business for over 39 years. 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 home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options.
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 limits come out to about $1,500 for each covered system or appliance.
For a more detailed breakdown, read our First American Home Warranty full review. To get a free quote from First American Home Warranty, 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
In Fort Smith, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for about 44 years. Cinch has 3 simple plans, making the selection process quick and easy. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
To read more, visit our thorough review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home 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 | $5,596 |
| Heating | $3,731 |
| Electrical | $560 |
| Toilets | $466 |
| Washer/Dryer | $746 |
| Plumbing | $560 |
| Oven | $1,492 |
| Fridge | $560 |
A home warranty is a protection plan that covers home systems and appliances. When your washer or dryer stops working, and the repair costs several hundred dollars, a home warranty will make sure that all you have to pay is a predetermined service fee. Home warranty companies typically don't require an inspection, and coverage generally goes into place about 30 days after making your first payment.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty company. Most companies have an online portal where you can do this. Once 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 the service fee to schedule the repair. This repair will typically 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 bring down the cost of maintaining your home. Common appliances covered by a home warranty plan include a microwave, dishwasher, dryer, washer, garbage disposal, refrigerator, and more. The systems that are usually covered will be heating, electrical systems, plumbing, and air conditioning.
Add-on coverage will vary from plan to plan, but you can expect to see add-ons such as electronics, spas, sump pumps, roof leaks, central vacuums, and pools.
A home warranty will only protect against normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, intentional breakages, natural disasters, and pre-existing conditions are not covered with a home warranty.
Fort Smith's hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the repairs, saving you from spending unexpected money out of pocket.
A home warranty can also give value in other ways. For example, some policies can be transferred to another owner when you sell your home.
One main drawback of home warranties is not every home system and appliance may be covered. It's important to weigh the different plans and choose one that covers all the appliances, systems, and add-ons you need.
Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They often won't cover systems or appliances that need repairs or replacements due to natural disasters, animal infestations, improper maintenance, etc.
Deciding on the best home warranty in Fort Smith for you comes down to the type of coverage you want, the home warranty company you go with, and where you live, among other factors. Before deciding which home warranty to buy, here are a few other factors to keep in mind:
The best overall home warranty provider in Fort Smith is Choice Home Warranty, but the right company for you will vary based on factors like what appliances and systems you need coverage for.
A home warranty covers the normal wear of home systems and appliances. A homeowners insurance plan protects the entire home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim should you need a new dryer or air conditioner, unless the damage is a result of a natural disaster, which can be a threat in Fort Smith.
The different kinds of home warranties in Fort Smith are plans that cover either appliances or systems and a comprehensive plan. A comprehensive plan will cover many of your home systems and appliances, like your dishwasher, washing machine, and HVAC. An appliance or systems only plan will cover the systems or appliances in the plan.
Generally a home warranty plan offers coverage for a year and you can renew it every year. In Fort Smith where many rely on A.C., renewing your policy could help prevent large expenses if your HVAC system needs repairs.
Most home warranties will cover replacement costs in addition to repair costs. How much the coverage cap is varies from one plan to the next. Home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A Fort Smith home warranty can cost between $40 and $80 a month. The higher-priced plans usually have a lower service fee, more coverage, and higher coverage limits.
The systems and appliances in a home are covered under a home warranty plan in Fort Smith. Everything from a fridge to a pool can be covered under a home warranty depending on the plan.
