Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Cocoa can be gratifying for many people, but it also comes with its fair share of difficulties. Updating your home’s appliances and systems can be an unexpected financial burden for many homeowners. A home warranty can bring you the peace of mind you need and shield your bank account from large expenses by covering your home’s major appliances and systems.
The home warranty market has a lot of providers — all with different coverage — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Cocoa.
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 offers the most trustworthy home warranty for Cocoa residents. Liberty has been in business for about 6 years, making it a highly regarded company in the industry. Liberty has 3 simple plans, making the selection process and policy coverage easily comprehensible. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Cocoa homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are an affordable $75.
To read more, visit our comprehensive 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 offers the best overall home warranty for Cocoa residents. Choice has been in business for about 15 years, making it a highly regarded company in the industry. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, 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 Cocoa homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are an affordable $85.
To read more, visit our comprehensive 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 offers the most cost-effective home warranty for Cocoa residents. Select has been in business for about 11 years, making it a highly regarded company in the industry. Select has 3 simple plans, making the selection process and policy coverage easily comprehensible. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it 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 Cocoa 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. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $60.
To read more, visit our comprehensive 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 offers the most customizable home warranty for Cocoa residents. AHS has been in business for about 26 years, making it a highly regarded company in the industry. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Cocoa homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $125.
To read more, visit our comprehensive 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 offers the best home warranty for appliance coverage for Cocoa residents. First American has been in business for about 39 years, making it a highly regarded company in the industry. First American has 2 simple plans, making the selection process and policy coverage easily comprehensible. First American offers very affordable and comprehensive appliance coverage. Plus, 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 Home Warranty offers 2 plans for Cocoa homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $85.
To read more, visit our comprehensive 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 offers the home warranty with the best workmanship guarantee for Cocoa residents. Cinch has been in business for about 44 years, making it a highly regarded company in the industry. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Cocoa 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. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $150.
To read more, visit our comprehensive 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 offers the best home warranty with the quickest service for Cocoa residents. HSC has been in business for about 15 years, making it a highly regarded company in the industry. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it 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 Cocoa homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $65 to $90.
To read more, visit our comprehensive 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 | $6,029 |
| Heating | $4,020 |
| Electrical | $603 |
| Toilets | $502 |
| Washer/Dryer | $804 |
| Plumbing | $603 |
| Oven | $1,608 |
| Fridge | $603 |
A home warranty is a protection policy that assists Cocoa homeowners reduce the high costs of household repairs. These plans provide financial coverage to repair or replace appliances and systems that break down from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent costly emergency repairs. Home warranties are particularly useful for older construction homes with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties cover many home systems and appliances. Warranties usually cover appliances such as dryers, refrigerators, washers, microwaves, dishwashers, garbage disposals, and more. Covered systems include air conditioning, electrical, plumbing, and heating. Many home warranty providers also offer additional coverage for septic systems, central vacuums, locksmiths, and roof leaks. It's important for Cocoa homeowners to understand most home warranty plans have a 30-day waiting period before repairs are covered. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or improperly using a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
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 plans vary widely in what they include. Most plans provide protection for AC, plumbing, heating, electrical, and appliances. More inclusive options also extend protection to other items such as well pumps, pools, spas, and roof leaks. Look for providers with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a company with lower service fees to maximize savings. Some providers also remove deductibles for homeowners who don't file claims in a certain period.
A home warranty company's track record gives insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Favorable reviews and ratings indicate a provider known for stellar service.
Home warranty providers have networks of technicians that they use to tackle covered repairs. More extensive networks increase the probability of getting skilled contractors to your home quickly. Reach out to possible providers to learn how many technicians they have in Cocoa. This helps you understand how long repairs might take in an urgent situation.
Some home warranty companies provide extras such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These add value beyond just repair coverage. Added bonuses can maximize the usefulness of the home warranty.
Home warranty policies are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Cocoa hitting an average high of 81℃F, you may find that certain appliances, like your A.C., get a lot of use. A home warranty can significantly decrease out-of-pocket costs should your HVAC system stop working.
A home warranty also saves you time and energy. Instead of spending hours finding and selecting 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 good thing about having a home warranty is if you want to sell 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 may help your home sell faster.
One drawback of a home warranty is that there are often exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it’s important to read through any contracts you’re considering thoroughly to get a sense of what is included and what isn’t.
Another stipulation is that home warranties typically only cover damage from normal wear and tear. They commonly won’t cover systems or appliances that have been damaged due to natural disasters, improper maintenance, animal infestations, etc.
A home warranty policy costs, on average, about $300 to $600 a year in Cocoa. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's usually less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty policies cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of insurance that protects an entire home from natural disasters, which can sometimes be a concern in Cocoa. It doesn't cover a normal appliance or system repairs.
A home warranty can help investors, real estate agents, home sellers, homebuyers, and homeowners. It can offer peace of mind and savings to anyone involved with homeownership.
A home warranty policy will cover your appliances, systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Generally, a home warranty plan lasts for a year and can be renewed annually. Some providers may offer month-to-month options.
Typically, the one who owns the home is responsible for paying for the home warranty. In some cases, however, the home seller may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Cocoa is $302,409, a home warranty can save you some money when buying a home.
