Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Coral Terrace can be exciting for many people, but it also comes with its fair share of challenges. Repairing 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 safeguard your savings account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be challenging because of the many options available. If you're overwhelmed by trying to compare them all, keep reading for our guide on the best home warranty companies in Coral Terrace.
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 Coral Terrace, Liberty Home Guard offers the most trustworthy home warranty. Liberty has over 6 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. Liberty offers 3 plans for homeowners to choose from. 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.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our 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 Coral Terrace, Choice Home Warranty offers the best overall home warranty. Choice has over 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. Choice offers 2 plans for homeowners to choose from. 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our 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 Coral Terrace, Select Home Warranty offers the most cost-effective home warranty. Select has over 11 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. Select offers 3 plans for homeowners to choose from. 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.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit our 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 Coral Terrace, American Home Shield offers the most customizable home warranty. AHS has over 26 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. AHS offers 3 plans for homeowners to choose from. 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. To read more, visit our 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 Coral Terrace, First American Home Warranty offers the best home warranty for appliance coverage. First American has over 39 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. First American offers 2 plans for homeowners to choose from. 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.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are close to the $1,500 mark for most major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. To read more, visit our 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 Coral Terrace, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has over 44 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. Cinch offers 3 plans for homeowners to choose from. 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 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our 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 Coral Terrace, The Home Service Club offers the best home warranty with the quickest service. HSC has over 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. HSC offers 2 plans for homeowners to choose from. 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.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our 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 | $6,851 |
| Heating | $4,568 |
| Electrical | $685 |
| Toilets | $571 |
| Washer/Dryer | $914 |
| Plumbing | $685 |
| Oven | $1,827 |
| Fridge | $685 |
A home warranty is a protection plan that helps Coral Terrace homeowners in reducing the expenses of appliance and system repairs. The plans provide financial coverage to swap out or repair appliances and systems that break down due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance 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 modern appliances might not require a home warranty.
Home warranties protect many home systems and appliances. Typical covered appliances are refrigerators, garbage disposals, dryers, microwaves, dishwashers, washers, and more. Protected systems include heating, air conditioning, electrical, and plumbing. Various home warranty plans offer add-on coverage for central vacuums, roof leaks, septic systems, and even locksmiths. Coral Terrace homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only help pay for repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or improperly using a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to know before signing, such as:
There are several key considerations when selecting a home warranty provider:
Home warranties have significant variation in what they include. Basic plans typically include AC, electrical, heating, plumbing, and appliances, while more comprehensive plans may also cover well pumps, roof leaks, spas, and pools. Focus on companies with broad coverage options including upgraded plans. This flexibility enables you to customize your plan to meet your 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 look for companies advertising lower service fees to optimize savings on each repair claim. Certain providers may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty company's track record gives insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Complimentary reviews and ratings indicate a company known for stellar service.
Home warranty companies use networks of local repair technicians to manage repairs in a given area. Reach out to potential providers to ask how many repair technicians they have in Coral Terrace and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks improve the likelihood of getting qualified contractors to quickly service your home.
Some home warranty providers offer bonuses such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These perks can add value beyond just repair coverage. Added bonuses can maximize the usefulness of your home warranty.
Temperatures in Coral Terrace can get quite high in the summer, which means your air conditioner is most likely going to get a good bit of use. As a homeowner in Coral Terrace, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.
Plus, having a home warranty can save you some time by eliminating the need to research repair people — most companies will send a trusted professional right to your door to do the necessary repair or replacement. Plus, having a home warranty can make your house more attractive to potential homebuyers should you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you’ve been getting.
One drawback of purchasing a home warranty is that there are generally exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it’s important to read over the contracts you’re considering thoroughly to understand what is included and what isn’t.
Another thing to consider is that some companies don’t cover pre-existing conditions and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about this if you need more information or if this is a problem for you.
A home warranty in Coral Terrace can cost between $30 and $60 a month. The higher-priced plans usually have higher coverage limits, a lower service fee, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some companies will also reduce 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 policies cover issues with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of plan that protects the entire home from natural disasters, which can be a concern in Coral Terrace. It doesn't cover a normal appliance or system damage.
A home warranty plan can help homeowners, investors, home sellers, real estate agents, and homebuyers. It can provide peace of mind to anyone involved with homeownership.
The different kinds of home warranties in Coral Terrace include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your home systems and appliances, such as your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover only the items mentioned in the policy.
Home warranty plans usually offer coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
Usually, the homeowner is the one who pays 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 given to the new homeowner, who has to pay the service fees. In Coral Terrace, where the median home value is $735,272, having the seller pay for the home warranty can save you some money on your new home.
