Written By David Cusick
Last Updated February 2024
Being a homeowner in Citrus is a great option for those who enjoy nature and quiet neighborhoods. However, as great as Citrus is, homeownership always comes with its fair share of difficulties, such as trying to take care of your home repairs yourself. A home warranty policy can help protect you by cutting the costs of major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be time-consuming, as there are lots of companies to choose from. That’s why our team at Today's Homeowner did the research and made a list of the top home warranty companies in Citrus for you.
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 Citrus, Choice Home Warranty is the best overall home warranty. 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 offers 2 plans for homeowners to decide between.
Choice Home Warranty has 2 plans that provide a combination of system and appliance coverage. The coverage caps associated with Choice’s plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For a more detailed breakdown, read our full review of Choice Home Warranty.
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 Citrus, Select Home Warranty is the most cost-effective home warranty. 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 offers 3 plans for homeowners to decide between.
Select Home Warranty has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with Select’s plans are around the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For a more detailed breakdown, read our full 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
In Citrus, American Home Shield is the most customizable home warranty. 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 offers 3 plans for homeowners to decide between.
American Home Shield has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with AHS’s plans are around the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For a more detailed breakdown, read our full review of American Home Shield.
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 Citrus, First American Home Warranty is the best home warranty for appliance coverage. 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 offers 2 plans for homeowners to decide between.
First American Home Warranty has 2 plans that provide a combination of system and appliance coverage. The coverage caps associated with First American’s plans are around the $1,500 mark for most major systems and appliances, and service fees are a reasonable $85.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For a more detailed breakdown, read our full review of First American Home Warranty.
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 Citrus, Cinch Home Services is the home warranty with the best workmanship guarantee. 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 offers 3 plans for homeowners to decide between.
Cinch Home Services has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For a more detailed breakdown, read our full review of Cinch Home Services.
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 Citrus, The Home Service Club is the best home warranty with the quickest service. 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 offers 2 plans for homeowners to decide between.
The Home Service Club has 2 plans that provide a combination of system and appliance coverage. The coverage caps associated with HSC’s plans are around the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read our full review of The Home Service Club.
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 | $7,007 |
Heating | $4,671 |
Electrical | $701 |
Toilets | $584 |
Washer/Dryer | $934 |
Plumbing | $701 |
Oven | $1,869 |
Fridge | $701 |
A home warranty is a protection policy that helps Citrus homeowners lower the expenses of appliance and system repairs. The plans provide financial coverage to fix or swap out appliances and systems that stop working due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid high-priced emergency repairs. The coverage is particularly helpful for those living in older houses or houses with fixtures near the end of their life span. However, people with newer homes and working appliances may not require a home warranty.
Home warranties cover many household systems and appliances. Warranties usually cover appliances such as washers, microwaves, dishwashers, dryers, garbage disposals, refrigerators, and more. Covered systems include electrical, heating, air conditioning, and plumbing. Many home warranty companies also offer additional coverage for central vacuums, locksmiths, roof leaks, and septic systems. Citrus homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should know key terms like:
When selecting a home warranty provider, there are several key factors to consider:
Home warranties vary widely in terms of included coverage. Basic plans typically provide protection for AC, electrical, plumbing, heating, and appliances, while more comprehensive plans may also cover pools, roof leaks, well pumps, and spas. Look for companies with a diverse range of coverage options, including upgraded plans. This allows you to customize your plan to your home's needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which gets paid per repair request filed. The per-request costs can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's reputation gives insight into things such as claim approval rates, timeliness of repairs, contractor quality, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Complimentary ratings and reviews indicate a provider known for stellar service.
Home warranty providers maintain networks of professionals to handle covered repairs. Larger networks increase the likelihood of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Citrus to get a sense of how quickly your repairs could happen in an emergency.
Some home warranty companies include perks such as reduced maintenance fees, smart home device coverage, and energy efficiency upgrades. These extras can provide extra value beyond just repair coverage. Added bonuses help you enhance your home and get the most from your warranty policy.
Citrus’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty will 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 needed repairs, preventing you from spending a lot of money out of pocket.
Additionally, having a home warranty can save you some time by removing the need to research service technicians — most providers will send a trusted professional right to your door to complete the necessary repair or replacement. Plus, though it varies by company, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your house more attractive to potential homebuyers and help your home sell faster.
There are also some drawbacks to purchasing a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that are already covered under a manufacturer's warranty.
In addition, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in Citrus can cost between $30 and $60 a month. The higher-priced plans typically have a lower service fee, broader coverage, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some companies will also lower your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types 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 larger plan that protects an entire home from natural disasters, which can sometimes be a concern in Citrus. It doesn't cover a normal appliance or system damage.
Homebuyers, landlords, real estate agents, home sellers, and homeowners are all eligible for home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
A home warranty will cover your 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 helpful if you're concerned about one more than the other.
Generally, a home warranty policy lasts for a year and can be renewed yearly. Some providers may offer month-to-month plans.
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 given to the new homeowner, who has to pay the service fees when using the policy. In Citrus, where the median value of a home is $736,722, having the seller pay for the home warranty can be a good asset for your new home.