Written By David Cusick
Last Updated April 2024
Buying a home is a big step in many people’s lives, but the cost of maintaining it can be expensive over time, especially if your home in Lincoln is on the older side. A home warranty in Lincoln can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
Choosing the best home warranty on the market can be difficult because of the many options out there. If you're frustrated with trying to compare them all, keep reading for our guide to the top home warranty companies 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
Choice Home Warranty is the best overall home warranty in Lincoln. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible. When you purchase a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty 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 Lincoln homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 for each covered system or appliance.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting 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 Lincoln. Select has 3 simple plans, making the selection process and policy coverage easily comprehensible. When you purchase a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty 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 Lincoln homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 for each covered system or appliance.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting 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 Lincoln. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible. When you purchase a home warranty 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.
American Home Shield offers 3 plans for Lincoln homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 for each covered system or appliance.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting 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 Lincoln. First American has 2 simple plans, making the selection process and policy coverage easily comprehensible. When you purchase a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 Lincoln homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage caps come out to about $1,500 for each covered system or appliance.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read more by visiting 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 Lincoln. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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.
Cinch Home Services offers 3 plans for Lincoln homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 for each covered system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting 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 Lincoln. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible. When you purchase a home warranty from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club 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 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 caps come out to about $2,000 for each covered system or appliance.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting 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 | $7,386 |
Heating | $4,924 |
Electrical | $739 |
Toilets | $616 |
Washer/Dryer | $985 |
Plumbing | $739 |
Oven | $1,970 |
Fridge | $739 |
A home warranty is a protection plan that assists Lincoln homeowners reduce the high costs of household repairs. These plans offer financial coverage to fix or replace appliances and systems that break down from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty policy gives homeowners a sense of security since it can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties cover many home systems and appliances. Covered appliances typically include dryers, refrigerators, garbage disposals, microwaves, washers, dishwashers, and more. Covered systems include plumbing, air conditioning, electrical, and heating. Many home warranty providers also offer additional coverage for septic systems, locksmiths, roof leaks, and central vacuums. Lincoln homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. Additionally, most policies only address repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Before signing a home warranty contract, you should know key terms like:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans include protection for electrical, AC, plumbing, heating, and appliances. More comprehensive options may also include other things such as well pumps, spas, roof leaks, and pools. Look for providers with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a provider with lower service fees to maximize savings on every claim. Some companies also do away with deductibles if a customer goes a period of time without filing any claims.
A home warranty company's track record provides insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Complimentary ratings and reviews indicate a provider known for stellar service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. Larger networks raise the likelihood of getting qualified contractors to your home quickly. Contact possible providers to ask how many contractors they have in Lincoln. This helps you understand how long repairs may take in an urgent situation.
Some home warranty providers include perks such as smart home device coverage, energy efficiency upgrades, and reduced maintenance fees. These can offer extra value beyond just repair coverage. Added bonuses let you enhance your home and get the most from your warranty policy.
Home warranty plans are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Lincoln reaching an average high of 63℃F, you may find that some appliances, such as your air conditioner, get a lot of use. A home warranty can remarkably decrease out-of-pocket costs should your HVAC system break down.
A home warranty also can also save you time and energy. Instead of spending hours researching and choosing a repair person 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 added benefit of having home warranty coverage is that it can raise your home’s property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
One downside of a home warranty is that there are generally exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it’s important to read through the contracts you’re considering carefully to understand what is included and what isn’t.
Another consideration is that home warranties usually only cover repairs needed due to normal wear and tear. They often won’t cover home systems or appliances that have been damaged due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty in Lincoln can cost between $30 and $60 a month. Higher-priced plans tend to 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 opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in case of something such as a fire or natural disaster. Under a homeowners insurance plan, you won't be able to file a claim if you need a new washing machine or oven, unless the damage is a result of a natural disaster, which isn't that common in Lincoln.
First-time homebuyers, homeowners, landlords, real estate agents, and home sellers can all get 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 policy can cover your systems, appliances, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Home warranty plans typically offer coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
In general, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Lincoln, where the median home value is $633,953, having the seller pay for the home warranty can be a good asset for your new home.