Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
Owning a home can have many benefits, but it can also come with some downsides like maintenance. The older your house’s appliances and systems are, the more likely it is that you'll benefit from a home warranty. A home warranty is a way to protect your budget from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
Finding the best warranty for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Greenfield. Keep reading for our top provider 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
Choice Home Warranty is the best overall home warranty in Greenfield. Choice has been in the home warranty industry for around 15 years. 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. The 2 plans from Choice are easy to understand and offer a mix of both system and appliance coverage.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the Greenfield area.
For more information on this provider, read our Choice Home Warranty Review. 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
Select Home Warranty is the most cost-effective home warranty in Greenfield. Select has been in the home warranty industry for around 11 years. 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. The 3 plans from Select are easy to understand and offer a mix of both system and appliance coverage.
Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Greenfield area.
For more information on this provider, read our Select Home Warranty Review. 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
American Home Shield is the most customizable home warranty in Greenfield. AHS has been in the home warranty industry for around 26 years. 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. The 3 plans from AHS are easy to understand and offer a mix of both system and appliance coverage.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Greenfield area.
For more information on this provider, read our American Home Shield Review. 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
First American Home Warranty is the best home warranty for appliance coverage in Greenfield. First American has been in the home warranty industry for around 39 years. 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. The 2 plans from First American are easy to understand and offer a mix of both system and appliance coverage.
First American Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is lower than other providers in the Greenfield area.
For more information on this provider, read our First American Home Warranty Review. 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
Cinch Home Services is the home warranty with the best workmanship guarantee in Greenfield. Cinch has been in the home warranty industry for around 44 years. 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. The 3 plans from Cinch are easy to understand and offer a mix of both system and appliance coverage.
Cinch Home Services has 3 plans that provide a combination of appliance and system coverage. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Greenfield area.
For more information on this provider, read our Cinch Home Services Review. 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
The Home Service Club is the best home warranty with the quickest service in Greenfield. HSC has been in the home warranty industry for around 15 years. 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. The 2 plans from HSC are easy to understand and offer a mix of both system and appliance coverage.
The Home Service Club has 2 plans that provide a combination of appliance and system coverage. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Greenfield area.
For more information on this provider, read our The Home Service Club Review. 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 | $6,642 |
| Heating | $4,428 |
| Electrical | $664 |
| Toilets | $553 |
| Washer/Dryer | $886 |
| Plumbing | $664 |
| Oven | $1,771 |
| Fridge | $664 |
A home warranty is a protection policy that helps reduce the high costs for Greenfield homeowners needing appliance and system repairs. These plans provide financial coverage to repair or swap out appliances and systems that stop working due to 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 fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty plan gives homeowners peace of mind since it can help avoid costly emergency repairs. They can be especially helpful for buyers of older homes or homes with appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties safeguard both your home systems and appliances. Common appliances covered under a home warranty include garbage disposals, dryers, microwaves, dishwashers, washers, refrigerators, and more. Covered systems include plumbing, air conditioning, heating, and electrical. Many home warranties offer additional add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. It's important for Greenfield homeowners to know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover things like natural disasters, cosmetic issues, pre-existing conditions, or damage caused by improperly using a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by the policy.
Before signing a home warranty contract, you should learn key terms like:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty coverage varies, although most plans provide coverage for plumbing, AC, electrical, heating, and appliances. More extensive plans may also cover other things such as roof leaks, well pumps, spas, and pools. Focus on companies with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize your plan to meet 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 rating gives insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Favorable reviews and ratings indicate a company known for stellar service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Contact potential businesses to learn the number of repair technicians they have in Greenfield and get an idea of how quickly your repairs could be handled in an emergency. Wider networks improve the chance of getting qualified contractors to quickly service your home.
Home warranty providers often offer extras such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These can add value beyond repair coverage. Additional perks maximize the usefulness of the home warranty.
Temperatures in Greenfield can get quite high in the summer, which means your air conditioner is likely to get a good bit of use. As a homeowner in Greenfield, one of the benefits of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
A home warranty also saves you time and energy. Instead of spending hours finding and selecting 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. Another benefit of having a home warranty is while selling your home, some providers let you transfer your home warranty plan to the new owners. This can make your home more attractive to potential homebuyers and may help your house sell faster.
Home warranties also have some drawbacks. Although it can give you less to worry about since the home warranty sends out a repair technician who handles the repair for you, some homeowners may not like this, and they would prefer to select their own contractor. If that’s the case for you, some home warranty plans let you select a contractor.
Another potential pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your claims being denied, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty plan costs, on average, around $300 to $600 a year in Greenfield. 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 opting for a higher service fee. In addition, it's typically cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty covers normal wear and tear to home systems and appliances. Homeowners insurance protects your entire home in case of a situation such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is due to a natural disaster, which isn't that common in Greenfield.
A home warranty plan can help home sellers, homeowners, homebuyers, investors, and real estate agents. It can offer peace of mind and savings to anyone involved with homeownership.
A home warranty will cover your home’s systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Home warranty plans typically last a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Typically, the person who owns the home is responsible for paying for the home warranty. In some cases, though, the person who is selling the home may buy a home warranty policy 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 Greenfield is $500,620, a home warranty can be an added asset when buying a home.
