Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Although homeownership in Ashland has a great number of advantages — such as being surrounded by nature — there are also downsides. One major headache many homeowners have to deal with at some point is replacing or repairing their home appliances and systems. A home warranty policy can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
Choosing the best home warranty on the market can be quite a challenge because of the numerous options available. If you're tired of trying to compare them all, keep reading for our guide to the best home warranty companies in Ashland.
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 Ashland, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty industry for over 15 years. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process easy.
Choice Home Warranty has 2 plans that provide a mix of appliance and system coverage. Service fees from Choice are an affordable $85. The coverage caps are also generally around $3,000.
Read more by visiting our comprehensive review of Choice Home Warranty. 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
In Ashland, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty industry for over 11 years. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process easy.
Select Home Warranty has 3 plans that provide a mix of appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000.
Read more by visiting our comprehensive review of Select Home Warranty. 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
In Ashland, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty industry for over 26 years. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process easy.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500.
Read more by visiting our comprehensive review of American Home Shield. 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
In Ashland, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in the home warranty industry for over 39 years. First American has established itself as a company with very affordable and comprehensive appliance coverage. 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. First American has 2 simple plans, making the selection process easy.
First American Home Warranty has 2 plans that provide a mix of appliance and system coverage. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500.
Read more by visiting our comprehensive review of First American Home Warranty. 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
In Ashland, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for over 44 years. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process easy.
Cinch Home Services has 3 plans that provide a mix of appliance and system coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000.
Read more by visiting our comprehensive review of Cinch Home Services. 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
In Ashland, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty industry for over 15 years. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process easy.
The Home Service Club has 2 plans that provide a mix of appliance and system coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000.
Read more by visiting our comprehensive review of The Home Service Club. 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 | $7,433 |
| Heating | $4,955 |
| Electrical | $743 |
| Toilets | $619 |
| Washer/Dryer | $991 |
| Plumbing | $743 |
| Oven | $1,982 |
| Fridge | $743 |
A home warranty is a protection policy that helps Ashland homeowners in lowering the costs of appliance and system repairs. The plans offer coverage to replace or repair appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid high-priced emergency repairs. The coverage is especially helpful for owners of older houses or houses with fixtures near the end of their life span. However, people with newer homes and working appliances might not need a home warranty.
Home warranties safeguard both your home systems and appliances. Common appliances covered under a home warranty include refrigerators, dryers, dishwashers, garbage disposals, washers, microwaves, and more. Covered systems include plumbing, electrical, heating, and air conditioning. Many home warranty plans also offer add-on coverage options for septic systems, locksmiths, central vacuums, and even roof leaks. It's important for Ashland homeowners to understand most home warranty plans have a waiting period of 30 days before repair claims will be approved. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Here are some key home warranty terms to understand before signing a contract:
There are several important considerations when selecting a home warranty provider:
Home warranty coverage varies, although most plans cover electrical, plumbing, AC, heating, and appliances. More comprehensive options may also cover other things such as spas, roof leaks, well pumps, and pools. Look for providers with a diverse range of coverage options, including upgraded plans. This allows you to tailor protection to your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty provider's reputation provides insights into factors such as contractor expertise, claim approval rates, repair speed, and customer satisfaction. Check review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about companies. Good reviews and ratings suggest a company known for quality service.
Home warranty companies maintain networks of local contractors to handle repairs in your area. Reach out to potential providers to ask how many repair contractors they have in Ashland and get an idea for how fast your repairs could take place in an emergency situation. Bigger networks improve the chances of getting qualified contractors to swiftly service your home.
Certain home warranty providers offer perks such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These can offer extra value beyond repair coverage. Added perks enhance your home and help maximize your home warranty.
Home warranty policies are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Ashland reaching an average high of 70℃F, you may find that some appliances, such as your A.C., get a lot of use. A home warranty can significantly bring down out-of-pocket expenses should your HVAC system stop working.
A home warranty also saves you time and energy. Instead of spending hours researching and choosing a repair person 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. Additionally, having a home warranty can make your house more appealing to potential homebuyers if you ever decide to sell later. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you’ve been benefiting from.
One disadvantage of purchasing a home warranty is that there are generally exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it’s important to read through any contracts you’re considering thoroughly to get a sense of what is included and what isn’t.
Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They most likely won’t cover systems or appliances that have stopped working due to improper maintenance, animal infestations, natural disasters, etc.
A home warranty plan costs, on average, around $300 to $600 a year in Ashland. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by choosing a higher service fee. Additionally, it's usually less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan helps protect against normal wear and tear to home systems and appliances. Homeowners insurance protects the entire home in case of something such as a fire or natural disaster. Under homeowners insurance, you won't be able to file a claim if you need a new refrigerator or dishwasher, unless the damage is a result of a natural disaster, which isn't that common in Ashland.
A home warranty plan can help home sellers, investors, real estate agents, homebuyers, and homeowners. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty policy will cover your home’s appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Home warranty plans usually last a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
Typically, the homeowner is the one who pays 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 when using the policy. In Ashland, where the median home value is $963,298, having the seller pay for the home warranty can save you some money on your new home.
