Written By Todays Homeowner Local Pros
Last Updated June 2023
Considering purchasing a home warranty? One of our top home warranty companies can help. Homeownership in Citrus can be a gratifying step for many, but it also comes with its fair share of challenges. Home repairs can be an unexpected financial burden for many homeowners.
A home warranty can help protect you by covering major repairs and replacements on your home's appliances and systems. Since the home warranty market is saturated with many providers — all with different plans — the Today's Homeowner team decided to do the research for you to help you find the right home warranty in Citrus.
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 Citrus residents. Choice has been operating for about 15 years, making it a well-regarded company in the industry. 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 offers 2 plans for homeowners to decide between.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. 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.
Read more by visiting our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
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. Select has been on the market for more than 11 years, making it a well-regarded company in the industry. 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 quick and easy.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Citrus area.
To read more, visit our comprehensive review of Select Home Warranty. 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 Citrus, American Home Shield offers the most customizable home warranty. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it 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 system and appliance coverage. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Citrus area.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For a more detailed breakdown, read our American Home Shield full review.
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 offers the best home warranty with the quickest service. HSC has more than 15 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. 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. The home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage.
The Home Service Club has 2 plans that offer a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000 at the maximum.
For more information, read our 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
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 Citrus residents. First American has been operating for more than 39 years, making it a well-respected company in the industry. 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 2 plans from First American are easy to understand and have a mix of both system and appliance coverage.
First American Home Warranty has 2 plans that provide a combination of system and appliance coverage. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Citrus area.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. To read more, visit our detailed review of First American Home Warranty.
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. Cinch has 3 simple plans, making the selection process easy. When you purchase a home warranty from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also 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. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our review of Cinch Home Services.
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|
A home warranty is a protection plan that makes it more affordable when one of your home systems or appliances has a problem. A home warranty can help homeowners who need to stick to their budget and don't want to use their savings to pay for large repair or replacement expenses. Typically, about 30 days after purchasing a home warranty plan, the coverage will start on your home systems and appliances.
For Citrus homeowners, it is very easy to file a claim when an issue happens with a covered appliance or system. Most home warranty providers have an online portal system where you can file a claim.
At this point, you will pay your service fee. Service fees for home warranty customers range in price from $60 to $150. Most home warranty plans also have a coverage cap, which is the maximum cost per year or appliance that the home warranty company will cover for repairs and replacements.
A home warranty plan will cover your home's systems and appliances from normal wear and tear. Common appliances covered under a home warranty include a microwave, garbage disposal, dishwasher, washer, dryer, refrigerator, and more. The systems that are usually covered will be heating, air conditioning, plumbing, and electrical systems.
You can also optionally decide to pay extra for add-on coverage for items such as spas, swimming pools, septic systems, and roof warranty.
A home warranty will only cover repairs and replacements due to normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, natural disasters, and intentional breakages are not covered with a home warranty.
Home warranties are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Citrus hitting an average high of 71℃F, you may find that certain appliances, such as your air conditioner, get a lot of use. A home warranty can considerably lower out-of-pocket expenses should your HVAC system break down.
Another benefit of having a home warranty is while selling your home, some providers let you transfer your home warranty to the new owners. It can make your house more attractive to potential homebuyers and may help your house sell faster.
Home warranties also have some downsides. Though it can give you less to worry about since the home warranty sends out a repair person who takes care of the repair for you, some may not like this, and they would rather choose a contractor themselves. If that's important to you, some home warranty plans allow you to choose a contractor.
Another thing to consider is that some companies don't cover pre-existing conditions and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about it if you need more information or if this is a problem for you.
Determining the best company for your home warranty is the first step toward protecting your house. When deciding which home warranty provider is the best one for you, here are some important factors to bear in mind:
The top home warranty company in Citrus is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced repair technicians and a respected reputation in the Citrus area.
A home warranty is a kind of contract that covers the repairs and replacements of major home system components and appliances.
The type of home warranty you should look for depends on what's important to you. A less costly plan may have higher deductibles and lower coverage caps, while a costlier plan may provide more coverage and have lower service fees. If you have a home that is on the older end and therefore may have older systems, you may want to get a higher-coverage policy. The company's reputation and available plans are the main things to research when picking a home warranty company.
Most home warranty plans are going to cover replacement costs as well as repair costs. The coverage cap varies from one plan to the next. Your home warranty will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A home warranty plan can cost on average around $300 to $800 a year in Citrus. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by opting for a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best price is.
When living in a town like Citrus, you may be wondering if problems like natural disasters are covered under a home warranty plan. Home warranties generally don't cover damage due to natural disasters, lack of proper maintenance, or intentional breakage.