Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Keystone can be expensive, especially as your home ages and your systems and appliances need to be repaired or replaced. A home warranty can help protect homeowners by cutting the costs of major repairs and replacements on your home’s most important systems and appliances.
Choosing the best home warranty on the market can be a challenge because of the many options out there. If you're frustrated with trying to compare them all, keep reading for our guide on the top home warranty companies in Keystone.
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 Keystone residents. Liberty has around 6 years of experience in the industry and in that time has built a an expansive network of service professionals nationwide. The 3 plans from Liberty are easily comprehensible and offer a mix of both system and appliance coverage. 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.
Liberty Home Guard offers 3 plans for Keystone homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Keystone area.
For more information, read our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, 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 Keystone residents. Choice has around 15 years of experience in the industry and in that time has built a an expansive network of service professionals nationwide. The 2 plans from Choice are easily comprehensible and offer a mix of both system and appliance coverage. 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 Keystone homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Keystone area.
For more information, read our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, 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 Keystone residents. Select has around 11 years of experience in the industry and in that time has built a an expansive network of service professionals nationwide. The 3 plans from Select are easily comprehensible and offer a mix of both system and appliance coverage. 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.
Select Home Warranty offers 3 plans for Keystone homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Keystone area.
For more information, read 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 Keystone residents. AHS has around 26 years of experience in the industry and in that time has built a an expansive network of service professionals nationwide. The 3 plans from AHS are easily comprehensible and offer a mix of both system and appliance coverage. 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.
American Home Shield offers 3 plans for Keystone homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Keystone area.
For more information, read our review of American Home Shield. To receive a free quote from American Home Shield, 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 Keystone residents. First American has around 39 years of experience in the industry and in that time has built a an expansive network of service professionals nationwide. The 2 plans from First American are easily comprehensible and offer a mix of both system and appliance coverage. 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.
First American Home Warranty offers 2 plans for Keystone homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is less than other providers in the Keystone area.
For more information, read our review of First American Home Warranty. To receive a free quote from First American Home Warranty, 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 Keystone residents. Cinch has around 44 years of experience in the industry and in that time has built a an expansive network of service professionals nationwide. The 3 plans from Cinch are easily comprehensible and offer a mix of 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.
Cinch Home Services offers 3 plans for Keystone homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Keystone area.
For more information, read our review of Cinch Home Services. To receive a free quote from Cinch Home Services, 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 Keystone residents. HSC has around 15 years of experience in the industry and in that time has built a an expansive network of service professionals nationwide. The 2 plans from HSC are easily comprehensible and offer a mix of both system and appliance coverage. 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 Home Service Club offers 2 plans for Keystone homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Keystone area.
For more information, read our review of The Home Service Club. To receive a free quote from The Home Service Club, 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 | $6,475 |
| Heating | $4,317 |
| Electrical | $648 |
| Toilets | $540 |
| Washer/Dryer | $863 |
| Plumbing | $648 |
| Oven | $1,727 |
| Fridge | $648 |
A home warranty is a protection plan that helps Keystone homeowners in reducing the expenses of appliance and system repairs. The plans provide coverage to replace or fix appliances and systems that stop working due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid expensive emergency repairs. The coverage is especially helpful for owners of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and functioning appliances may not need a home warranty.
Home warranties cover many home systems and appliances. Common covered appliances are washers, refrigerators, garbage disposals, dryers, dishwashers, microwaves, and more. Covered systems include plumbing, heating, electrical, and air conditioning. Many home warranty plans offer additional coverage for septic systems, central vacuums, roof leaks, and even locksmiths. Most home warranty plans require Keystone homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, 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 learn key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty plans vary widely in what they include. Most plans provide protection for plumbing, heating, AC, electrical, and appliances. More comprehensive options also include coverage for other items such as roof leaks, pools, spas, and well pumps. Look for providers with flexible coverage choices, including upgraded plans. This allows you to tailor protection to your home's needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which gets paid per repair request filed. These per-claim charges can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some companies also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty company's track record gives you insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Favorable reviews and ratings indicate a company known for stellar service.
Home warranty businesses keep networks of local technicians to handle repairs in your area. Reach out to potential providers to learn how many repair professionals they have in Keystone and get an idea for how fast your repairs could take place in an emergency situation. Bigger networks raise the likelihood of getting qualified contractors to swiftly service your home.
Some home warranty companies include bonuses such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These add value beyond just repair coverage. Extra bonuses maximize the usefulness of your home warranty.
Since temperatures in Keystone can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Having a home warranty policy can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
Not to mention, having a home warranty can save you some time by getting rid of the need to research technicians — most providers will send a trusted professional right to your door to carry out the necessary repair or replacement. Plus, having a home warranty can make your house more appealing to potential homebuyers should you ever decide to sell later. Many home warranty companies will allow you to transfer your policy to a new owner and give them the same protection you’ve been benefiting from.
There are also some drawbacks to buying a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Another thing to consider is that some providers don’t cover pre-existing problems 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 in Keystone can cost anywhere from $30 to $60 a month. The higher-priced plans tend to have a lower service fee, broader coverage, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also reduce your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover problems with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects an entire home from natural disasters, which can be a concern in Keystone. It doesn't cover a normal appliance or system breakage.
A home warranty plan can help home sellers, real estate agents, investors, homebuyers, and homeowners. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty can cover your home’s appliances, systems, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Home warranty plans usually provide coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
Usually, 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 given to the new homeowner, who will pay the service fees when using the policy. In Keystone, where the median value of a home is $463,704, having the seller pay for the home warranty can save you some money on your new home.
