Written By David Cusick
Last Updated February 2024
Homeownership in Centennial has quite a few positives, but it also comes with its challenges. Your home’s appliances and systems will inevitably need repairs, and this could mean a burdensome expense. A home warranty can bring you the peace of mind you need and shield your bank account from large expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be time-consuming, since there are dozens of companies to decide between. That’s why our team at Today's Homeowner did the research and made a list of the top home warranty companies in Centennial for you.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
In Centennial, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been in the home warranty industry for over 6 years. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans that Liberty offers include options for appliance and system coverage.
Liberty Home Guard has 3 plans that offer a mix of appliance and system coverage. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 for each covered system or appliance.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read our review of Liberty Home Guard to learn more.
Appliance Guard
Systems Guard
Total Home Guard
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 Centennial, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty industry for over 15 years. With a home warranty from Choice, you can enjoy 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. The 2 plans that Choice offers include options for appliance and system coverage.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered system or appliance.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our review of Choice Home Warranty to learn more.
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
In Centennial, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty industry for over 11 years. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans that Select offers include options for appliance and system coverage.
Select Home Warranty has 3 plans that offer a mix of appliance and system coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to around $2,000 for each covered system or appliance.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our review of Select Home Warranty to learn more.
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 Centennial, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty industry for over 26 years. 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. The 3 plans that AHS offers include options for appliance and system coverage.
American Home Shield has 3 plans that offer a mix of appliance and system coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 for each covered system or appliance.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our review of American Home Shield to learn more.
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
In Centennial, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in the home warranty industry for over 39 years. 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 2 plans that First American offers include options for appliance and system coverage.
First American Home Warranty has 2 plans that offer a mix of appliance and system coverage. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 for each covered system or appliance.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read our review of First American Home Warranty to learn more.
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
In Centennial, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for over 44 years. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans that Cinch offers include options for appliance and system coverage.
Cinch Home Services has 3 plans that offer a mix of appliance and system coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 for each covered system or appliance.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our review of Cinch Home Services to learn more.
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
In Centennial, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty industry for over 15 years. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, 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 that HSC offers include options for appliance and system coverage.
The Home Service Club has 2 plans that offer a mix of appliance and system coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 for each covered system or appliance.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our review of The Home Service Club to learn more.
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 | $6,932 |
Heating | $4,622 |
Electrical | $693 |
Toilets | $578 |
Washer/Dryer | $924 |
Plumbing | $693 |
Oven | $1,849 |
Fridge | $693 |
A home warranty is a protection policy that helps Centennial homeowners in reducing the costs of appliance and system repairs. The plans provide financial coverage to replace or fix 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 provider then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid expensive emergency repairs. The coverage is particularly helpful for those living in older houses or houses with systems near the end of their life span. However, people with newer homes and working appliances might not require a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include garbage disposals, washers, refrigerators, microwaves, dryers, dishwashers, and more. Included systems are usually heating, air conditioning, plumbing, and electrical. Many home warranty providers offer add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. Centennial should understand that most home warranty plans have a 30-day waiting period before repair claims will be approved. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
There are multiple home warranty terms to know before signing an agreement, including:
There are several key factors to consider when choosing a home warranty provider:
Home warranty plans can have major differences in covered items. Most plans provide protection for electrical, AC, heating, plumbing, and appliances. More inclusive options also extend protection to other items such as roof leaks, spas, well pumps, and pools. Focus on providers with broad coverage options including upgraded plans. This flexibility enables you to customize protection for your home's needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for providers advertising lower service fees to optimize savings on each repair claim. Certain providers may waive deductibles if homeowners don't submit any claims within a set period of time.
A home warranty provider's reputation can offer insight into things such as speed of repairs, contractor quality, approval rates for claims, and customer satisfaction. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Positive ratings and reviews indicate that a provider is known for quality service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Contact potential companies to learn the number of repair professionals they have in Centennial and get an idea of how fast your repairs could be handled in an emergency. More extensive networks increase the chance of getting qualified contractors to swiftly service your home.
Certain home warranty providers include perks such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These bonuses can provide extra value beyond repair coverage. Added perks can enhance your home and maximize your home warranty.
Temperatures in Centennial can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a lot of use. As a homeowner in Centennial, 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.
Along with saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the hassle of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair issues you may come across. A home warranty can also have value in other ways. For example, some policies can be transferred between owners during a home sale.
Home warranties also have some drawbacks. While it can save you time when the home warranty sends out a repair technician who does the repair for you, some homeowners may not like this, and they would rather select a contractor themselves. If that’s the case for you, some home warranty plans allow you to select a contractor.
In addition, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in Centennial can cost between $30 and $60 a month. The higher-priced plans usually have broader coverage, higher coverage limits, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some companies will also lower your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover issues related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger insurance that protects an entire home from natural disasters, which can be a concern in Centennial. It doesn't cover a typical appliance or system damage.
First-time homebuyers, landlords, home sellers, homeowners, and real estate agents are all eligible for 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 can 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 useful if you want to save some money.
Generally, a home warranty policy lasts for a year and can be renewed annually. Some companies may offer month-to-month plans.
Usually, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Centennial, where the median home value is $636,154, having the seller pay for the home warranty can be a good asset for your new home.