Written By Todays Homeowner Local Pros
Last Updated June 2023
Find the best home warranty that's right for you. Lincoln gives homeowners some great neighborhoods and the opportunity to enjoy the sun all year round. However, those temperatures can do a number on your home's systems, such as your HVAC.
A home warranty policy can help protect homeowners by lowering the costs of major repairs and replacements on your home's appliances and systems. Finding the best home warranties on the market can be challenging because of the sheer number of options out there. If you are overwhelmed by trying to compare the different options, keep reading for our guide to the top home warranty providers in Lincoln.
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 Lincoln, Choice Home Warranty offers the best overall home warranty. Choice has more than 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process easy.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are an affordable $85.
For more information, 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.
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 offers the most cost-effective home warranty in Lincoln. Select has over 11 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. 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 Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit 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 offers the most customizable home warranty in Lincoln. AHS has been operating for around 26 years, making it a well-respected company in the industry. When you buy a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process easy.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500 at the maximum.
For more information on this provider, read our review of American Home Shield. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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 offers the best home warranty with the quickest service in Lincoln. HSC has been on the market for more than 15 years, making it a well-respected company in the industry. 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. HSC offers 2 plans for homeowners to choose from.
The Home Service Club offers 2 plans for Lincoln homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 per covered system or appliance.
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 is the best home warranty for appliance coverage for Lincoln residents. First American has over 39 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, 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 home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage.
First American Home Warranty has 2 plans that provide a mix of appliance and system coverage. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are a reasonable $85.
Read our First American Home Warranty full review to learn more. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
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 offers the home warranty with the best workmanship guarantee in Lincoln. Cinch has over 44 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The 3 plans from Cinch are comprehensive and offer a mix of both system and appliance coverage. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the home warranty for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
For more information on this provider, read our thorough review of Cinch Home Services. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
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 service contract that cuts back on the cost of repairs when one of your home systems or appliances experiences a problem. A home warranty can help homeowners who need to keep a budget in place and don't want to use their savings to pay for large repair or replacement expenses. Typically, about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
For Lincoln homeowners, it is very straightforward to file a claim when a problem arises with a covered appliance or system. Most home warranty providers have an online portal system where you can file a claim.
After that, you will pay your service fee. Service fees for home warranties range in price from $60 to $150. Most home warranties also have a coverage cap, which is the maximum cost per year or appliance that the home warranty plan will cover for repairs and replacements.
A home warranty plan provides coverage on your home's major appliances and systems and it can help bring down the cost of maintenance on your home. Appliances covered under a home warranty plan are usually the garbage disposal, microwave, refrigerator, dishwasher, dryer, and more. Systems that are covered include plumbing, air conditioning, heating, and electrical systems.
Add-on coverage will vary from one plan to the next, but you can expect to see add-ons such as sump pumps, roof leaks, pools, central vacuums, spas, and electronics.
Lincoln homeowners should know that a home warranty policy will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like natural disasters, misuse of a system or appliance, pre-existing conditions, or cosmetic issues. You need to keep up with preventative maintenance on your home systems and appliances to make sure that your next repair or replacement-related issue will be covered by the policy.
Since temperatures in Lincoln can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances breaks suddenly.
Additionally, having a Lincoln home warranty can help make your house more appealing to potential homebuyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your plan to a new owner and give them the same protection you've been getting.
Home warranties also have some drawbacks. While it can save you time when the home warranty sends out a service technician who does the repair for you, some people may not like this, and they would rather choose a contractor themselves. If that's important to you, some home warranty plans let you choose a contractor.
Another downside is that home warranties may not include some repairs, like those needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the impacted systems and appliances probably won't be covered by the home warranty.
After looking into the basics of home warranties in Lincoln, your next step is to decide which company you'd like to receive a free quote from. Below is a list of some factors to consider when purchasing a home warranty in Lincoln:
The best overall home warranty company in Lincoln is Choice Home Warranty, but the best company for you will vary based on factors like what appliances and systems you need coverage for.
Home warranty policies cover problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different kind of insurance that protects an entire home from natural disasters, which might not be too much of a concern in Lincoln. It doesn't cover a typical appliance or system damage.
A home warranty can help investors, homeowners, real estate agents, homebuyers, and home sellers. It can offer peace of mind and savings to anyone involved with homeownership.
A home warranty plan can cover either your home systems and appliances, or both. Combination plans are great if you need more coverage for your home, but a systems or appliance plan can be useful too if you're concerned about one more than the other.
Home warranties will cover the cost of repairs and replacements if it is within the policy limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay for the rest out of pocket.
A home warranty in Lincoln can cost between $40 and $80 a month. Higher-priced plans usually have higher coverage limits, more coverage, and a lower service fee.
Home warranties usually will not cover problems due to natural disasters, pre-existing conditions, intentional breaking of an appliance, or lack of proper maintenance. They only cover damage from normal wear and tear. Even though it doesn't cover all kinds of damage, a home warranty can still be useful to help you save some money in a city like Lincoln.