Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Loveland can be expensive, particularly as your home ages and your systems and appliances have to be repaired or replaced. A home warranty in Loveland can help reduce 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.
The home warranty market is filled with many providers — all with different price points — so the Today's Homeowner team has done the research to help you choose the best home warranty companies in Loveland.
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 for Loveland residents. Liberty is a home warranty company with 6 years of experience in the industry, and it has proved to be one of the best providers in the business. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable. 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.
Liberty Home Guard offers 3 plans for Loveland homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000 at the maximum.
To read more, visit our Liberty Home Guard full review. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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 for Loveland residents. Choice is a home warranty company with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. 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.
Choice Home Warranty offers 2 plans for Loveland homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000 at the maximum.
To read more, visit our Choice Home Warranty full review. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 for Loveland residents. Select is a home warranty company with 11 years of experience in the industry, and it has proved to be one of the best providers in the business. Select has 3 simple plans, making the selection process and policy coverage easily understandable. 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.
Select Home Warranty offers 3 plans for Loveland 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. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000 at the maximum.
To read more, visit our Select Home Warranty full review. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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 for Loveland residents. AHS is a home warranty company with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. 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.
American Home Shield offers 3 plans for Loveland homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. 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 read more, visit our American Home Shield full review. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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 for Loveland residents. First American is a home warranty company with 39 years of experience in the industry, and it has proved to be one of the best providers in the business. First American has 2 simple plans, making the selection process and policy coverage easily understandable. 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.
First American Home Warranty offers 2 plans for Loveland homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500 at the maximum.
To read more, visit our First American Home Warranty full review. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 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 for Loveland residents. Cinch is a home warranty company with 44 years of experience in the industry, and it has proved to be one of the best providers in the business. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable. 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.
Cinch Home Services offers 3 plans for Loveland 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. 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 read more, visit our Cinch Home Services full review. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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 for Loveland residents. HSC is a home warranty company with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. HSC has 2 simple plans, making the selection process and policy coverage easily understandable. 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.
The Home Service Club offers 2 plans for Loveland homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. 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 read more, visit our The Home Service Club full review. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,539 |
Heating | $4,359 |
Electrical | $654 |
Toilets | $545 |
Washer/Dryer | $872 |
Plumbing | $654 |
Oven | $1,744 |
Fridge | $654 |
A home warranty is a protection plan that helps Loveland homeowners in reducing the expenses of appliance and system repairs. The plans provide financial coverage to replace or repair appliances and systems that stop working due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty company then arranges 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 policy gives homeowners a sense of security since it can help avoid costly 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 household systems and appliances. Common covered appliances include dryers, garbage disposals, dishwashers, washers, refrigerators, microwaves, and others. Covered systems include electrical, air conditioning, plumbing, and heating. Various home warranty plans offer additional coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Loveland homeowners should know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like cosmetic issues, natural disasters, 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 will be covered by the policy.
Home warranty contracts use several terms that you'll want to understand before signing, such as:
There are several important considerations when selecting a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic plans typically cover heating, AC, electrical, plumbing, and appliances, while more comprehensive options may also cover roof leaks, well pumps, spas, and pools. Focus on companies with broad coverage options including upgraded plans. Flexibility like this will help you customize 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, you may want to choose a provider with more affordable fees to maximize savings. Some providers also eliminate deductibles when customers have a claim-free period.
A home warranty company's reputation provides insight into things such as approval rates, contractor quality, repair timeliness, and customer satisfaction. Check review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Good ratings and feedback indicate a company known for great service.
Home warranty companies use networks of local repair technicians to manage repairs in a given area. Contact potential companies to learn the number of repair professionals they have in Loveland 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 swiftly service your home.
Some home warranty providers may include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These extras can provide extra value beyond repair coverage. Extra bonuses allow you to enhance your home and get the most from your home warranty.
Temperatures in Loveland can drop to the negatives in the winter, which means your heating system is likely to get a lot of use. As a homeowner in Loveland, one benefit of having a home warranty is that these home systems and major appliances can be covered if they have to be repaired or replaced.
A home warranty also saves you time and energy. Instead of spending hours finding and choosing a contractor to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Another benefit of having a home warranty is when you’re selling your home, some providers let you transfer your home warranty plan to the new owners. It can make your house more attractive to potential homebuyers and help your home sell faster.
One drawback of buying a home warranty is that there are usually exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it’s important to read through the contracts you’re considering carefully to get a sense of what is included and what isn’t.
Another drawback is that home warranties may not include some repairs, like those needed because of natural disasters. For example, if your house floods, the impacted systems and appliances most likely won’t be covered by the home warranty.
A home warranty policy costs, on average, around $300 to $600 a year in Loveland. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. In addition, it's typically cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in case of something such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim if you need a new dryer or stove, unless the damage is due to a natural disaster, which is somewhat common in Loveland.
Homebuyers, home sellers, homeowners, landlords, and real estate agents can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
The different home warranties in Loveland include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your systems and appliances, including your dishwasher, washing machine, and heating and cooling systems. An appliance or system plan will cover only the items listed in the plan.
Home warranty plans typically offer coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
Typically, the one who owns the home is responsible for paying for the home warranty. In some cases, though, the person who is selling the home may buy a home warranty 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 Loveland is $493,448, a home warranty can save you some money when buying a home.