Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Find the best home warranty to protect your home appliances and systems. Many living in Westminster have made their dream of owning a home into a reality. However, as great as Westminster can be, there are always stressors that come with owning a home, like keeping your home's systems and appliances maintained.
A home warranty can give you the peace of mind you need about your home and guard your bank account from large expenses by covering your home's major systems and appliances. Although a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the perfect choice for your Westminster home. That's why we've done the research and have made a list of the top home warranty companies in Westminster.
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 offers the best overall home warranty in Westminster. Choice has 2 simple plans, making the selection process easy. 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 Home Warranty offers 2 plans for Westminster homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Choice's plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information on this provider, read 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 Westminster, Select Home Warranty offers the most cost-effective home warranty. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are around the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
Read more by visiting our review of Select Home Warranty. To receive a free quote from Select Home Warranty, 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 Westminster residents. AHS has more than 26 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. 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 and policy coverage easily understandable.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are around the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
For more information, read our 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
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 Westminster residents. HSC has been in business for about 15 years, making it a well-respected 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. HSC has 2 simple plans, making the selection process quick and easy.
The 2 plans from The Home Service Club 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 around $2,000.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For a more detailed breakdown, read our The Home Service Club Review.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty for Westminster residents. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
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.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our thorough review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
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 offers the best home warranty for appliance coverage in Westminster. First American has more than 39 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. When you purchase 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. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage limits come out to around $1,500 per covered system or appliance.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read more by visiting our detailed 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Westminster. Cinch has been in the home warranty business for over 44 years. The 3 plans from Cinch are easy to understand and offer both system and appliance coverage. 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.
The plans that Cinch offers to homeowners are 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 some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
For a more detailed breakdown, read our 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
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 | $6,645 |
| Heating | $4,430 |
| Electrical | $665 |
| Toilets | $554 |
| Washer/Dryer | $886 |
| Plumbing | $665 |
| Oven | $1,772 |
| Fridge | $665 |
A home warranty is a money savings plan that helps homeowners manage the high costs of appliance and systems repairs. Home warranties will provide coverage for a number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty can make it easier to budget and manage your finances. A home warranty plan usually has a 30-day waiting period from the time you pay to when you can file your first claim.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty provider. Most companies have an online portal where you can do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue.
Once you file the claim, it will be assigned to a local service technician that will come to your home and repair the problem. At this point, you pay your service fee. Service fees typically range in price from around $60 to $150 and this is the only out-of-pocket expense you will need to pay unless the repair cost is higher than your home warranty's coverage cap.
A home warranty plan will cover your home's systems and appliances from normal wear. Appliances covered under a home warranty plan are usually the microwave, dryer, dishwasher, garbage disposal, refrigerator, and more. Systems that are covered include electrical systems, plumbing, heating, and air conditioning.
Many plans also offer add-on coverage options for roof leaks, central vacuums, locksmiths, and even septic systems.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things such as pre-existing conditions, cosmetic damages, misuse, and lack of maintenance are not included in the home warranty policy.
Since temperatures in Westminster can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Purchasing a home warranty can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
As well as saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle of trying to find a qualified repair person to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair issues you may experience.
One major drawback of a home warranty is not every home system and appliance may be covered. It's important to compare the different policies and sign up for one that covers all the appliances, systems, and add-ons you need.
Another thing to consider is that some companies don't cover pre-existing damage and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about these things if you need more information or if this is a problem for you.
The first step in protecting your home with a home warranty is determining which provider's plan is the best for you. Figure out which appliances and systems in your home you'd like coverage for and compare the policies. Here is a list of factors that you'll want to take into account when choosing a home warranty provider:
The best overall home warranty provider in Westminster is Choice Home Warranty, but the right company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty covers the normal wear and tear of home systems and appliances. A homeowners insurance plan protects your entire 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 refrigerator or stove, unless the damage is due to a natural disaster, which are somewhat common in Westminster.
A home warranty can help homeowners, home sellers, investors, real estate agents, and homebuyers. It can offer peace of mind and savings to anyone involved with homeownership.
A home warranty policy can protect you from high-cost repair bills, but only if you decide to purchase a good quality plan from a reputable company. When choosing a home warranty company to go with, you should take into consideration things like its customer service and availability in your area. In addition, you should think about the kind of coverage the company offers and what appliances and systems are protected. Homes that have new appliances or systems can get by on a plan with less coverage.
Home warranties cover the cost of repairs and replacements as long as it is within the coverage cap of the plan. If the replacement costs more than the home warranty plan covers, you will have to pay for the rest out of pocket.
A Westminster home warranty can cost anywhere from $40 to $80 a month. Higher-priced plans usually have a lower service fee, more coverage, and higher coverage limits.
Most home warranty providers have a 30-day waiting period before you can file claims, but some may offer coverage sooner so make sure you check with the company about this.
