Written By David Cusick
Last Updated April 2024
Homeownership in Thornton can be gratifying for many, but it also comes with its fair share of challenges. Home repairs can be an unforeseen financial burden for many homeowners. A home warranty in Thornton can help lower 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.
Finding the best warranty for your home can be difficult, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Thornton. Keep reading for our home warranty recommendations.
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 Thornton residents. Liberty has been in business for over 6 years, making it a well-respected company in the industry. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a policy 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 provider. Service fees are an affordable $75.
For more information on this provider, read our detailed review of Liberty Home Guard. To get 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 for Thornton residents. Choice has been in business for over 15 years, making it a well-respected company in the industry. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a policy 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 provider. Service fees are an affordable $85.
For more information on this provider, read our detailed review of Choice Home Warranty. To get 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 for Thornton residents. Select has been in business for over 11 years, making it a well-respected company in the industry. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a policy 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 provider. Service fees are a reasonable $60.
For more information on this provider, read our detailed review of Select Home Warranty. To get 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 for Thornton residents. AHS has been in business for over 26 years, making it a well-respected company in the industry. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a policy 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 provider. Service fees are customizable and range from $75 to $125.
For more information on this provider, read our detailed review of American Home Shield. To get 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 for Thornton residents. First American has been in business for over 39 years, making it a well-respected company in the industry. The 2 plans that First American offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a policy 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 provider. Service fees are a reasonable $85.
For more information on this provider, read our detailed review of First American Home Warranty. To get 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 for Thornton residents. Cinch has been in business for over 44 years, making it a well-respected company in the industry. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a policy 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 provider. Service fees are customizable and range from $75 to $150.
For more information on this provider, read our detailed review of Cinch Home Services. To get 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 for Thornton residents. HSC has been in business for over 15 years, making it a well-respected company in the industry. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a policy 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 provider. Service fees are customizable and range from $65 to $90.
For more information on this provider, read our detailed review of The Home Service Club. To get 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 | $6,670 |
Heating | $4,447 |
Electrical | $667 |
Toilets | $556 |
Washer/Dryer | $889 |
Plumbing | $667 |
Oven | $1,779 |
Fridge | $667 |
A home warranty is a protection plan that helps lower expenses for Thornton homeowners needing appliance and system repairs. These plans provide financial coverage to repair or swap out appliances and systems that break due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty delivers security for homeowners by helping them prevent expensive emergency repairs. They're particularly valuable for those who live in older homes or ones with outdated systems. Newer builds with functional fixtures probably don’t require a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are garbage disposals, dishwashers, microwaves, dryers, washers, refrigerators, and more. Covered systems are normally plumbing, electrical, heating, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Most home warranty plans require Thornton homeowners to wait 30 days before they can use the policy to pay for repairs. Moreover, policies normally only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
There are multiple home warranty terms to learn before signing an agreement, including:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans cover heating, plumbing, AC, electrical, and appliances. More inclusive options also include protection for other items such as spas, roof leaks, well pumps, and pools. Focus on providers with wide-ranging coverage selections including upgraded plans. Flexibility like this will help you customize your plan to meet your needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which gets paid per service call made. The per-request costs can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some firms also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty company's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Look at review sites like TrustPilot, the Better Business Bureau (BBB), or Google Reviews to learn more about companies. Positive reviews and ratings suggest a company known for delivering quality service.
Home warranty companies have networks of contractors to handle covered repairs. Wider networks improve the probability of getting qualified technicians to swiftly service your home. Contact potential providers to find out how many contractors they have in Thornton to get a sense of how quickly your repairs could be handled in an emergency.
Some home warranty providers may include perks such as smart home device coverage, energy efficiency upgrades, and reduced maintenance fees. These extras can provide extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your warranty policy.
Home warranty plans are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Thornton hitting an average high of 63℃F, you may find that some appliances, such as your air conditioning unit, get a lot of use. A home warranty can remarkably bring down out-of-pocket costs should your HVAC system break down.
A home warranty also saves you time and energy. Instead of spending hours finding and choosing a technician to fix your appliance or system, home warranty companies 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, you can most likely transfer your home warranty to the new owners. This can make your home more attractive to potential homebuyers and help your home sell faster.
Home warranties also have some drawbacks. Although it can be convenient that the home warranty sends out a repair technician who carries out the repair for you, some may not like this, and they may want to choose their own contractor. If that’s the case for you, some home warranty plans let you choose a contractor.
Another thing to take into consideration is that some companies don’t cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you aren’t sure or if this is a problem for you.
A home warranty policy costs, on average, about $300 to $600 a year in Thornton. 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 opting for a higher service fee. In addition, it's usually less expensive 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 covers normal wear and tear to home systems and appliances. Homeowners insurance protects your entire home in a situation such as a fire or natural disaster. Under a homeowners insurance plan, you won't be able to file a claim should you need a new refrigerator or oven, unless the damage is a result of a natural disaster, which isn't that common in Thornton.
A home warranty policy can help home sellers, investors, homeowners, homebuyers, and real estate agents. It can provide peace of mind to anyone involved in homeownership.
A home warranty will 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 a good idea if you're concerned about one more than the other.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
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 transferred to the new homeowner, who will pay the service fees. In Thornton, where the median home value is $517,632, having the seller pay for the home warranty can be a good asset for your new home.