Written By David Cusick
Last Updated February 2024
Sterling offers homeowners some great living options. However, unanticipated repair and replacement costs on your home’s systems and appliances can get quite pricey. A home warranty can bring you the peace of mind you need and protect your savings account from large expenses by covering your home’s major appliances and systems.
The home warranty market is filled with many providers — all with different price points — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Sterling.
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 Sterling, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been in business for around 6 years, making it a well-respected company in the industry. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process easy.
Liberty Home Guard has 3 plans that provide a mix of appliance and system coverage. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Sterling area.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read more by visiting our comprehensive 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 Sterling, Choice Home Warranty offers the best overall home warranty. Choice has been in business for around 15 years, making it a well-respected company in the industry. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process easy.
Choice Home Warranty has 2 plans that provide a mix of appliance and system coverage. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Sterling area.
To get 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 comprehensive 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 Sterling, Select Home Warranty offers the most cost-effective home warranty. Select has been in business for around 11 years, making it a well-respected company in the industry. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process easy.
Select Home Warranty has 3 plans that provide a mix of appliance and system coverage. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the Sterling area.
To get 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 comprehensive 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 Sterling, American Home Shield offers the most customizable home warranty. AHS has been in business for around 26 years, making it a well-respected company in the industry. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process easy.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Sterling area.
To get 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 comprehensive 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 Sterling, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in business for around 39 years, making it a well-respected company in the industry. First American has established itself as a company with very affordable and comprehensive appliance coverage. It 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 has 2 simple plans, making the selection process easy.
First American Home Warranty has 2 plans that provide a mix of appliance and system coverage. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is less than other providers in the Sterling area.
To get 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 comprehensive 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 Sterling, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in business for around 44 years, making it a well-respected company in the industry. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process easy.
Cinch Home Services has 3 plans that provide a mix of appliance and system coverage. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Sterling area.
To get 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 comprehensive 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 Sterling, The Home Service Club offers the best home warranty with the quickest service. HSC has been in business for around 15 years, making it a well-respected company in the industry. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process easy.
The Home Service Club has 2 plans that provide a mix of appliance and system coverage. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Sterling area.
To get 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 comprehensive 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 | $5,920 |
Heating | $3,947 |
Electrical | $592 |
Toilets | $493 |
Washer/Dryer | $789 |
Plumbing | $592 |
Oven | $1,579 |
Fridge | $592 |
A home warranty is a protection plan that helps Sterling homeowners lower the costs of appliance and system repairs. The plans offer coverage to fix or swap out appliances and systems that break down due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty plan gives homeowners a sense of security because 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 modern appliances and fixtures may not need a home warranty.
Home warranties cover many home systems and appliances. Typical covered appliances are microwaves, washers, garbage disposals, refrigerators, dryers, dishwashers, and more. Covered systems include electrical, air conditioning, plumbing, and heating. Various home warranty plans offer add-on coverage for roof leaks, septic systems, central vacuums, and even locksmiths. Most home warranty plans require Sterling homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Moreover, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some key home warranty words to know before signing a contract:
There are several important considerations when selecting a home warranty provider:
Home warranty coverage varies, although most plans provide coverage for plumbing, heating, electrical, AC, and appliances. More comprehensive options may also provide protection for additional items such as pools, spas, roof leaks, and well pumps. Focus on providers with wide-ranging coverage selections including upgraded plans. Flexibility like this will help you customize protection for your home's needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out companies advertising more affordable fees to optimize savings on each repair claim. Certain companies may eliminate deductibles if homeowners don't submit any claims within a set period of time.
A home warranty provider's reputation provides insight into things such as contractor quality, repair timeliness, approval rates, and customer service. Use review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. Bigger networks raise the likelihood of getting qualified contractors to your home promptly. Contact possible providers to ask how many repair professionals they have in Sterling. This helps you understand how long repairs may take in an urgent situation.
Some home warranty providers provide extras such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These add value beyond just repair coverage. Extra bonuses can maximize the usefulness of the home warranty.
Since temperatures in Sterling can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Buying a home warranty policy can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of having to vet contractors on your own, home warranty providers do the work for you and send a contractor from their network right to your door when you need them. Additionally, having a home warranty can help make your house more attractive to potential homebuyers if you ever decide to sell later. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you’ve been receiving.
As for the drawbacks of home warranties, system and appliance coverage varies by provider, so it’s important to understand what each plan covers and doesn’t include in the contract.
Another stipulation is that home warranties usually only cover malfunctions due to normal wear and tear. They often won’t cover systems or appliances that need repairs or replacements due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty in Sterling can cost anywhere from $30 to $60 a month. Higher-priced plans usually have a lower service fee, higher coverage limits, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some providers 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 problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different insurance that protects your entire home from natural disasters, which might not be too much of a concern in Sterling. It doesn't cover a normal appliance or system breakage.
A home warranty can help real estate agents, homebuyers, homeowners, investors, and home sellers. It can provide peace of mind and savings to anyone involved with homeownership.
A home warranty 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're concerned about one more than the other.
Generally, a home warranty plan lasts for a year and can be renewed yearly. Some companies may offer month-to-month options.
Usually the one who owns the home pays for the home warranty. In some cases, however, the one selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Sterling is $245,329, a home warranty can be an added asset when buying a home.