Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a house can have lots of perks, but it can also come with some downsides like maintenance. The older your house’s systems and appliances are, the more you may want to consider getting a home warranty. A home warranty can help protect you by covering major repairs and replacements on your home’s most important appliances and systems.
Finding the right protection for your home can be difficult, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Home Gardens. Read on for our 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 Home Gardens. Choice has been in business for around 15 years, making it a well-respected company in the industry. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. 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 Home Warranty offers 2 plans for Home Gardens homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also generally around $3,000.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For more information, read our Choice Home Warranty full review.
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 Home Gardens. Select has been in business for around 11 years, making it a well-respected company in the industry. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. 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 Home Warranty offers 3 plans for Home Gardens homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For more information, read our Select Home Warranty full review.
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 Home Gardens. AHS has been in business for around 26 years, making it a well-respected company in the industry. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. 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.
American Home Shield offers 3 plans for Home Gardens homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. For more information, read our American Home Shield full review.
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 Home Gardens. First American has been in business for around 39 years, making it a well-respected company in the industry. The 2 plans that First American offers include differing levels of system and appliance coverage, as well as add-on options. 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 Home Warranty offers 2 plans for Home Gardens homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. For more information, read our First American Home Warranty full review.
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 Home Gardens. Cinch has been in business for around 44 years, making it a well-respected company in the industry. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. 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 Home Services offers 3 plans for Home Gardens homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For more information, read our Cinch Home Services full review.
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 Home Gardens. HSC has been in business for around 15 years, making it a well-respected company in the industry. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. 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 Service Club offers 2 plans for Home Gardens homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For more information, read our The Home Service Club full review.
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 | $6,865 |
| Heating | $4,576 |
| Electrical | $686 |
| Toilets | $572 |
| Washer/Dryer | $915 |
| Plumbing | $686 |
| Oven | $1,831 |
| Fridge | $686 |
A home warranty is a protection policy that helps Home Gardens homeowners reduce the costs of appliance and system repairs. The plans offer financial coverage to fix or swap out appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty company then finds a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement exceeds the item's coverage limit. A home warranty delivers security for homeowners by helping them avoid expensive emergency fixes. They're particularly useful for those who live in older homes or ones with aging systems. More modern builds with working fixtures probably don’t require a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are microwaves, washers, garbage disposals, dryers, refrigerators, dishwashers, and more. Included systems are normally plumbing, air conditioning, electrical, and heating. Many home warranty providers offer add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. Most home warranty plans require Home Gardens homeowners to wait 30 days before they can use the policy to pay for repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
There are a number of home warranty terms to learn before signing an agreement, including:
There are several important considerations when choosing a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans include protection for plumbing, AC, heating, electrical, and appliances. More robust coverage options also cover other items such as spas, pools, well pumps, and roof leaks. Look for providers with flexible coverage choices, including upgraded plans. This helps you tailor protection to your needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's reputation gives insight into things such as approval rates, contractor quality, repair timeliness, and customer service. Check review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Positive ratings and feedback indicate a provider known for great service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Contact potential businesses to ask how many repair specialists they have in Home Gardens and get an idea of how quickly your repairs could be handled in an emergency. Wider networks raise the probability of getting qualified contractors to swiftly service your home.
Certain home warranty companies provide extras such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These bonuses can provide extra value beyond repair coverage. Added perks enhance your home and maximize your home warranty.
Home warranties are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Home Gardens hitting an average high of 79℃F, you may find that some appliances, such as your air conditioning unit, get a lot of use. A home warranty can significantly decrease 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 selecting a contractor to fix your appliance or system, home warranty companies 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 when you’re selling your home, you can most likely transfer your home warranty policy to the new owners. It can make your home more attractive to potential homebuyers and help your house sell faster.
One major drawback of home warranties is not everything you care about may be covered. It’s important to compare the different policies and select one that covers all the appliances, systems, and add-ons you need.
Another stipulation is that home warranties typically only cover malfunctions due to normal wear and tear. They commonly won’t cover systems or appliances that need repairs or replacements due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty plan costs, on average, around $300 to $600 a year in Home Gardens. Our top-rated home warranty providers' 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 usually less expensive 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 plan protects against normal wear and tear to systems and appliances in a home. Homeowners insurance protects the entire home in case of something such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim should you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which isn't that common in Home Gardens.
First-time homebuyers, landlords, homeowners, home sellers, and real estate agents are all eligible for home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
The different kinds of home warranties in Home Gardens include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers your home systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items mentioned in the contract.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Usually 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 need to pay the service fees when using the policy. Considering that the average home value in Home Gardens is $745,439, a home warranty can save you some money when buying a home.
