Written By David Cusick
Last Updated April 2024
Owning a house can have lots of benefits, but it can also come with some negatives like maintenance. The older your house’s appliances and systems are, the more you may want to consider getting a home warranty. A home warranty can give you the peace of mind you need and safeguard your savings account from unexpected expenses by covering your home’s major systems and appliances.
The home warranty market has many providers — all with different price points — so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Lone Tree.
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
Liberty Home Guard is the most trustworthy home warranty in Lone Tree. Liberty has been in business for about 6 years, making it a highly regarded company in the industry. Liberty has 3 simple plans, making the selection process easy. When you buy a home warranty from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty 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 company. Service fees are an affordable $75.
Read our Liberty Home Guard full review to learn more. To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
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
Choice Home Warranty is the best overall home warranty in Lone Tree. Choice has been in business for about 15 years, making it a highly regarded company in the industry. Choice has 2 simple plans, making the selection process easy. When you buy 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.
There are 2 home warranty plans from Choice Home Warranty: 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 company. Service fees are an affordable $85.
Read our Choice Home Warranty full review to learn more. To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
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 Lone Tree. Select has been in business for about 11 years, making it a highly regarded company in the industry. Select has 3 simple plans, making the selection process easy. When you buy 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are a reasonable $60.
Read our Select Home Warranty full review to learn more. To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
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 Lone Tree. AHS has been in business for about 26 years, making it a highly regarded company in the industry. AHS has 3 simple plans, making the selection process easy. When you buy 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are customizable and range from $75 to $125.
Read our American Home Shield full review to learn more. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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 Lone Tree. First American has been in business for about 39 years, making it a highly regarded company in the industry. First American has 2 simple plans, making the selection process easy. When you buy 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. 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 company. 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, you can fill out this online form or call 833-204-7164.
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 Lone Tree. Cinch has been in business for about 44 years, making it a highly regarded company in the industry. Cinch has 3 simple plans, making the selection process easy. When you buy 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.
There are 3 home warranty plans from Cinch Home Services: 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 be sure to check with the company. Service fees are customizable and range from $75 to $150.
Read our Cinch Home Services full review to learn more. To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
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 Lone Tree. HSC has been in business for about 15 years, making it a highly regarded company in the industry. HSC has 2 simple plans, making the selection process easy. When you buy 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are customizable and range from $65 to $90.
Read our The Home Service Club full review to learn more. 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
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 | $6,829 |
Heating | $4,553 |
Electrical | $683 |
Toilets | $569 |
Washer/Dryer | $911 |
Plumbing | $683 |
Oven | $1,821 |
Fridge | $683 |
A home warranty is a protection policy that assists Lone Tree homeowners reduce the costs of appliance and system repairs. The plans offer financial coverage to fix or replace 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 arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent costly emergency repairs. Home warranties are especially useful for older houses or those with aging systems. New homes with modern appliances may not require a home warranty.
Home warranties help protect your home systems and appliances. Common covered appliances include microwaves, dishwashers, washers, dryers, refrigerators, garbage disposals, and others. Covered systems include air conditioning, heating, electrical, and plumbing. Many home warranty plans also offer add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. Lone Tree homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. Remember to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before signing a home warranty contract, you should know key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage can have major differences in what's included. Most plans cover plumbing, heating, AC, electrical, and appliances. More comprehensive plans also include protection for other items such as spas, well pumps, pools, and roof leaks. Look for providers with a range of coverage choices, such as upgraded plans. You'll want to tailor your protection for your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using companies with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty company's reputation provides insight into things such as contractor quality, approval rates, repair timeliness, and customer service. Check review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Good ratings and feedback indicate a company known for great service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Reach out to potential companies to ask how many repair technicians they have in Lone Tree and get an idea of how quickly your repairs could be handled in an emergency. More extensive networks raise the chance of getting qualified contractors to promptly service your home.
Home warranty providers often offer extras such as energy efficiency upgrades, coverage for smart home devices, and maintenance discounts. These can add value beyond repair coverage. Added perks help maximize the usefulness of your home warranty.
Temperatures in Lone Tree can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a good bit of use. As a homeowner in Lone Tree, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
On top of saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the pain of trying to find a qualified contractor to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair problems you may experience. Another added benefit of having home warranty coverage is that it can increase your home’s real estate 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 provider you have your home warranty with.
As for the disadvantages of home warranties, coverage varies by provider, so it’s important to read what each plan covers and doesn’t include in the contract.
Another pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your repair requests being denied, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty policy costs, on average, about $300 to $600 a year in Lone Tree. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranties 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 might not be too much of a concern in Lone Tree. It doesn't cover a normal appliance or system damage.
A home warranty can help homebuyers, investors, home sellers, homeowners, and real estate agents. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty plan will cover your systems, appliances, or both. Combination plans are great if you need 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 generally last a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Typically, the homeowner pays for the home warranty. In some cases, though, the person who is selling the home may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Lone Tree is $940,300, a home warranty can save you some money when buying a home.