Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Being a homeowner in Clermont is an excellent option for those who love up-and-coming areas. However, as great as Clermont is, homeownership always comes with its fair share of headaches, such as trying to finance your home repairs yourself. A home warranty is a way to protect your savings account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.
Finding the best home warranty on the market can be time-consuming, since there are lots of companies to decide between. That’s why our team at Today's Homeowner did the research and made a list of the top home warranty companies in Clermont for you.
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 Clermont, Liberty Home Guard offers the most trustworthy home warranty. When you buy a plan 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. The 3 home warranty plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
Liberty Home Guard has 3 plans that provide 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.
For more information on this provider, read our Liberty Home Guard full review. 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
In Clermont, Choice Home Warranty offers the best overall home warranty. When you buy a plan 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. The 2 home warranty plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
Choice Home Warranty has 2 plans that provide 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.
For more information on this provider, read our Choice Home Warranty full review. 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
In Clermont, Select Home Warranty offers the most cost-effective home warranty. When you buy a plan 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. The 3 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options.
Select Home Warranty has 3 plans that provide 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.
For more information on this provider, read our Select Home Warranty full review. 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
In Clermont, American Home Shield offers the most customizable home warranty. When you buy a plan 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. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
American Home Shield has 3 plans that provide 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.
For more information on this provider, read our American Home Shield full review. 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
In Clermont, First American Home Warranty offers the best home warranty for appliance coverage. When you buy a plan 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 2 home warranty plans that First American offers include differing levels of system and appliance coverage, as well as add-on options.
First American Home Warranty has 2 plans that provide 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.
For more information on this provider, read our First American Home Warranty full review. 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
In Clermont, Cinch Home Services offers the home warranty with the best workmanship guarantee. When you buy a plan 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. The 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
Cinch Home Services has 3 plans that provide 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.
For more information on this provider, read our Cinch Home Services full review. 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
In Clermont, The Home Service Club offers the best home warranty with the quickest service. When you buy a plan 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 2 home warranty plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
The Home Service Club has 2 plans that provide 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.
For more information on this provider, read our The Home Service Club full review. 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 | $6,468 |
| Heating | $4,312 |
| Electrical | $647 |
| Toilets | $539 |
| Washer/Dryer | $862 |
| Plumbing | $647 |
| Oven | $1,725 |
| Fridge | $647 |
A home warranty is a protection plan that assists Clermont homeowners cut the costs of appliance and system repairs. The plans provide financial coverage to repair or replace 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 fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent expensive emergency repairs. Home warranties are especially useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances might not need a home warranty.
Home warranties protect your home's systems and appliances. Typical covered appliances include refrigerators, microwaves, garbage disposals, dishwashers, dryers, washers, and more. Protected systems include plumbing, heating, electrical, and air conditioning. Various home warranty plans offer extra coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Most home warranty plans require Clermont 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 natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Before agreeing to 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 varies widely in the items that are included. Most plans include protection for heating, electrical, AC, plumbing, and appliances. More inclusive options also include protection for other items such as well pumps, roof leaks, pools, and spas. Focus on providers with wide-ranging coverage selections including upgraded plans. Flexibility like this will help you customize your plan to meet your needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may seek out companies advertising more affordable fees to optimize savings on each repair claim. Certain companies may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation can give you insight into things such as repair timeliness, contractor quality, approval rates, and customer satisfaction. Check review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. Wider networks improve the chance of getting skilled contractors to your home quickly. Contact possible providers to learn how many repair professionals they have in Clermont. This helps you understand how long repairs may take in an urgent situation.
Some home warranty providers include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These can provide extra value beyond just repair coverage. Extra bonuses let you enhance your home and get the most from your warranty policy.
Home warranty plans are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Clermont reaching an average high of 81℃F, you may find that some appliances, like your air conditioning unit, get a lot of use. A home warranty can considerably decrease out-of-pocket expenses should your HVAC system break down.
Additionally, having a home warranty can save you some time by removing the need to research technicians — most companies will send a trusted professional right to your door to carry out the necessary repair or replacement. Another added benefit of having a home warranty plan is that it can raise 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 company you purchased your home warranty through.
One downside of purchasing a home warranty is that there are usually exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it’s important to read through the contracts you’re considering carefully to understand what is included and what isn’t.
Another potential pain point of home warranties is that they don’t cover systems or appliances that haven’t been properly maintained. This can lead to your claims being rejected, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty plan costs, on average, about $300 to $600 a year in Clermont. 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 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 plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects your entire home in case of something such as a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim if you need a new refrigerator or stove, unless the damage is a result of a natural disaster, which is somewhat common in Clermont.
First-time homebuyers, real estate agents, home sellers, homeowners, and landlords can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
The different types of home warranties in Clermont include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover many of your home systems and appliances, including your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the items listed in the plan.
Home warranty plans usually last a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Generally, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Clermont, where the median home value is $427,089, having the seller pay for the home warranty can save you some money on your new home.
