Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
Homeownership in Centennial comes with quite a few benefits, 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 operating for about 6 years, making it a well-regarded company in the industry. With a home warranty from Liberty, you can benefit from 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 home warranty plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000 at the maximum.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For more information, read our full review of Liberty Home Guard.
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 operating for about 15 years, making it a well-regarded company in the industry. 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. The 2 home warranty plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000 at the maximum.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For more information, read our full review of Choice Home Warranty.
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 operating for about 11 years, making it a well-regarded company in the industry. With a home warranty from Select, you can benefit from 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 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000 at the maximum.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For more information, read our full review of Select Home Warranty.
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 operating for about 26 years, making it a well-regarded company in the industry. With a home warranty from AHS, you can benefit from 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 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
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 about $2,500 at the maximum.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. For more information, read our full review of American Home Shield.
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 operating for about 39 years, making it a well-regarded company in the industry. With a home warranty from First American, you can benefit from 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 home warranty plans that First American offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500 at the maximum.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. For more information, read our full review of First American Home Warranty.
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 operating for about 44 years, making it a well-regarded company in the industry. With a home warranty from Cinch, you can benefit from 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 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For more information, read our full review of Cinch Home Services.
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 operating for about 15 years, making it a well-regarded company in the industry. With a home warranty from HSC, you can benefit from 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 home warranty plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000 at the maximum.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For more information, read our full review of The Home Service Club.
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 lower the costs of appliance and system repairs. The plans offer coverage to repair or replace appliances and systems that stop working due to normal wear and tear. When something breaks down, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the fix 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 provides peace of mind for homeowners by helping them avoid expensive emergency repairs. They're particularly valuable for those who own older homes or ones with outdated systems. More modern builds with modern fixtures probably don’t need a home warranty.
Home warranties help protect both your home systems and appliances. Common appliances covered under a home warranty include garbage disposals, dryers, refrigerators, microwaves, dishwashers, washers, and more. Covered systems include air conditioning, plumbing, heating, and electrical. Many home warranty plans offer additional add-on coverage options for septic systems, central vacuums, locksmiths, and even roof leaks. It's important for Centennial homeowners to know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as 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 help ensure that your next repair or replacement is covered by the policy.
Home warranty contracts use several terms that you'll want to know before signing, such as:
There are several important considerations when choosing a home warranty provider:
Home warranty policies vary widely in what they include. Most plans cover electrical, heating, plumbing, AC, and appliances. More comprehensive options also offer protection for other items such as roof leaks, spas, pools, and well pumps. Look for companies with a diverse range of coverage options, including upgraded plans. This helps you customize your plan to your needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which gets paid per repair request filed. The costs from multiple fees can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some providers also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty provider's rating gives insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Use third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Favorable ratings and reviews indicate a company known for stellar service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Contact potential businesses to learn the number of repair technicians they have in Centennial and get an idea of how quickly your repairs could be handled in an emergency. Larger networks raise the likelihood of getting qualified contractors to promptly service your home.
Some home warranty providers may include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These can provide extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your warranty policy.
Temperatures in Centennial can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in Centennial, one benefit 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.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of having to vet technicians yourself, home warranty providers do the work for you and send a contractor from their network right to your door when you need them. Another benefit of having a home warranty is if you want to sell your home, you can most likely transfer your home warranty to the new owners. It can make your home more attractive to potential homebuyers and may help your house sell faster.
There are also some downsides to getting a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another stipulation is that home warranties typically only cover repairs needed due to normal wear and tear. They commonly won’t cover systems or appliances that have been damaged due to improper maintenance, natural disasters, animal infestations, etc.
A home warranty costs, on average, around $300 to $600 a year in Centennial. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by opting for a higher service fee. Additionally, it's often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty plans cover issues with 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 normal appliance or system repairs.
A home warranty policy can help investors, homebuyers, home sellers, homeowners, and real estate agents. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty policy can cover your home’s appliances, systems, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some companies may offer month-to-month options.
Usually, the homeowner is the one who is responsible for paying 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. In Centennial, where the median home value is $636,154, having the seller pay for the home warranty can save you some money on your new home.
