Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
There are a lot of benefits of owning a home, but as your Blackhawk home gets older, you may find yourself needing to update or repair your appliances and systems. A home warranty is a way to protect your bank account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
The home warranty market is saturated with a lot of providers — all with different plans — so the Today's Homeowner team has done the research to help you find the best home warranty companies in Blackhawk.
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 is the best overall home warranty for Blackhawk residents. 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, 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 has 2 plans for you to decide between.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered appliance or system.
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 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
Select Home Warranty is the most cost-effective home warranty for Blackhawk residents. Select is a home warranty company with 11 years of experience in the industry, and it has become one of the best providers in the business. 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 has 3 plans for you to decide between.
The plans that Select offers to homeowners are 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 around $2,000 per covered appliance or system.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our Select Home Warranty Review to learn more.
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 for Blackhawk residents. AHS is a home warranty company with 26 years of experience in the industry, and it has become one of the best providers in the business. 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. AHS has 3 plans for you to decide between.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 per covered appliance or system.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our American Home Shield Review to learn more.
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 is the best home warranty for appliance coverage for Blackhawk residents. First American is a home warranty company with 39 years of experience in the industry, and it has become one of the best providers in the business. 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 has 2 plans for you to decide between.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 per covered appliance or system.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read our First American Home Warranty Review to learn more.
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 is the home warranty with the best workmanship guarantee for Blackhawk residents. Cinch is a home warranty company with 44 years of experience in the industry, and it has become one of the best providers in the business. 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 has 3 plans for you to decide between.
The plans that Cinch offers to homeowners are 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 around $1,000-$2,000 per covered appliance or system.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our Cinch Home Services Review to learn more.
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 is the best home warranty with the quickest service for Blackhawk residents. HSC 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 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. HSC has 2 plans for you to decide between.
The plans that HSC offers to homeowners are 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 around $2,000 per covered appliance or system.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our The Home Service Club Review to learn more.
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 | $8,250 |
| Heating | $5,500 |
| Electrical | $825 |
| Toilets | $688 |
| Washer/Dryer | $1,100 |
| Plumbing | $825 |
| Oven | $2,200 |
| Fridge | $825 |
A home warranty is a protection policy that assists Blackhawk homeowners lower the high costs of household repairs. These plans provide financial protection to repair or replace 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 company then arranges 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 goes over the item's coverage limit. A home warranty policy gives homeowners peace of mind because it can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties cover many household systems and appliances. Covered appliances normally include washers, refrigerators, dishwashers, dryers, microwaves, garbage disposals, and more. Covered systems include air conditioning, heating, electrical, and plumbing. Many home warranty providers also offer additional coverage for septic systems, locksmiths, roof leaks, and central vacuums. Blackhawk should understand that most home warranty plans have a waiting period of 30 days before repairs are covered. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or improperly using a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
There are several home warranty terms to understand before signing an agreement, including:
When choosing a home warranty provider, there are several key factors to consider:
Home warranties differ greatly in the items covered. Basic policies typically cover electrical, plumbing, heating, AC, and appliances, while more comprehensive options may also cover well pumps, roof leaks, pools, and spas. Focus on providers with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize your plan to meet your home's needs.
You'll pay a service fee, typically $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 providers advertising lower service fees to optimize savings on each repair claim. Certain companies may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Use third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Positive ratings and reviews indicate that a provider is known for top-tier service.
Home warranty providers have networks of technicians that they use to tackle covered repairs. Wider networks increase the chance of getting skilled contractors to your home swiftly. Contact possible providers to ask how many technicians they have in Blackhawk. This helps you understand how long repairs could take in an urgent situation.
Some home warranty companies include bonuses such as energy efficiency upgrades, smart home device protection, and maintenance discounts. These perks add value beyond just repair coverage. Added bonuses can maximize the usefulness of the home warranty.
Home warranties are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Blackhawk hitting an average high of 71℃F, you may find that some appliances, such as your A.C., get a lot of use. A home warranty can remarkably bring down out-of-pocket costs should your HVAC system break down.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of having to vet contractors on your own, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. Another good thing about having a home warranty is when you’re selling your home, some providers let you transfer your home warranty to the new owners. It can make your home more attractive to potential homebuyers and may help your house sell faster.
Home warranties also have some drawbacks. Though it can be convenient that the home warranty sends out a service technician who handles the repair for you, some people may not like this, and they may want to select their own contractor. If that’s the case for you, some home warranty providers let you select a contractor.
Another downside is that home warranties may exclude some repairs, such as those due to natural disasters. For example, if your house floods, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty policy costs, on average, around $300 to $600 a year in Blackhawk. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's typically cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty plans cover problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of plan that protects your entire home from natural disasters, which might not be too much of a concern in Blackhawk. It doesn't cover a normal appliance or system breakage.
A home warranty can help home sellers, investors, homebuyers, homeowners, and real estate agents. It can provide peace of mind to anyone involved with homeownership.
The different home warranties in Blackhawk include plans that cover either appliances or systems as well as combination plans. A combination plan will cover your systems and appliances, including your washing machine, drier, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items mentioned in the contract.
Home warranty plans generally offer coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Usually the person who owns the home pays for the home warranty. In some cases, however, the home seller may buy a home warranty 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 Blackhawk is $2,033,290, a home warranty can save you some money when buying a home.
