Written By David Cusick
Last Updated April 2024
Buying a home is a big step for many, but the cost of maintaining it can be expensive over time, especially if your home in Lockhart is on the older side. A home warranty is a way to protect your budget from unexpected 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.
Choosing the best home warranty on the market can be difficult 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 Lockhart.
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 Lockhart, Liberty Home Guard is the most trustworthy home warranty. Liberty has been in the home warranty business for about 6 years. Liberty has 3 plans for homeowners to choose from. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Lockhart 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’s service fees are an affordable $75, and the coverage limits come out to around $3,000 for each covered system or appliance.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read more by visiting our full 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 Lockhart, Choice Home Warranty is the best overall home warranty. Choice has been in the home warranty business for about 15 years. Choice has 2 plans for homeowners to choose from. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Lockhart homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 for each covered system or appliance.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting our full 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 Lockhart, Select Home Warranty is the most cost-effective home warranty. Select has been in the home warranty business for about 11 years. Select has 3 plans for homeowners to choose from. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it 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 Lockhart 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’s service fees are a reasonable $60, and the coverage limits come out to around $2,000 for each covered system or appliance.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting our full 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 Lockhart, American Home Shield is the most customizable home warranty. AHS has been in the home warranty business for about 26 years. AHS has 3 plans for homeowners to choose from. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Lockhart homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 for each covered system or appliance.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our full 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 Lockhart, First American Home Warranty is the best home warranty for appliance coverage. First American has been in the home warranty business for about 39 years. First American has 2 plans for homeowners to choose from. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, it 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 Lockhart homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage limits come out to around $1,500 for each covered system or appliance.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read more by visiting our full 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 Lockhart, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for about 44 years. Cinch has 3 plans for homeowners to choose from. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Lockhart 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’s service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 for each covered system or appliance.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting our full 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 Lockhart, The Home Service Club is the best home warranty with the quickest service. HSC has been in the home warranty business for about 15 years. HSC has 2 plans for homeowners to choose from. 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.
The Home Service Club offers 2 plans for Lockhart homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 for each covered system or appliance.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting our full 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 | $6,319 |
Heating | $4,213 |
Electrical | $632 |
Toilets | $527 |
Washer/Dryer | $843 |
Plumbing | $632 |
Oven | $1,685 |
Fridge | $632 |
A home warranty is a protection policy that helps Lockhart homeowners in lowering the costs of appliance and system repairs. The plans provide coverage to replace or fix 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 replacement or repair. 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 policy gives homeowners a sense of security because it can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as garbage disposals, dishwashers, microwaves, dryers, refrigerators, washers, and more. Covered systems include plumbing, heating, electrical, and air conditioning. Many home warranty providers also offer add-on coverage for locksmiths, roof leaks, central vacuums, and septic systems. It's important for Lockhart homeowners to know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as natural disasters, pre-existing conditions, cosmetic issues, or improper use of a system or appliance. You need to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by the policy.
Here are some essential home warranty words to learn before signing a contract:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage varies, although most plans include protection for heating, electrical, plumbing, AC, and appliances. More inclusive plans may also include additional items such as pools, spas, well pumps, and roof leaks. Look for providers with a diverse range of coverage options, including upgraded plans. This allows you to tailor protection to your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies with lower service fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty provider's reputation provides insight into things such as contractor quality, repair timeliness, approval rates, and customer satisfaction. Check review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Positive ratings and feedback indicate a provider known for great service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Contact potential companies to learn the number of repair specialists they have in Lockhart and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks increase the chance of getting qualified contractors to promptly service your home.
Some home warranty providers provide extras such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These can add value beyond just repair coverage. Extra bonuses can maximize the usefulness of your home warranty.
Lockhart’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty will cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the needed repairs, preventing you from spending a lot of money out of pocket.
Not to mention, having a home warranty can save you some time by getting rid of the need to research contractors — most companies will send a trusted professional right to your door to complete the necessary repair or replacement. Another added benefit of having a home warranty policy 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 provider you have your home warranty with.
One main drawback of home warranties is not everything may be covered. It’s important to compare the different policies and choose one that covers all the appliances, systems, and add-ons you need.
Another stipulation is that home warranties usually only cover malfunctions due to normal wear and tear. They often won’t cover home systems or appliances that have stopped working due to animal infestations, improper maintenance, natural disasters, etc.
A home warranty in Lockhart can cost between $30 and $60 a month. Higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. 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 sorts of damage they cover. Home warranty policies cover issues with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of plan that protects your entire home from natural disasters, which can sometimes be a concern in Lockhart. It doesn't cover a typical appliance or system damage.
A home warranty policy can help homebuyers, real estate agents, home sellers, investors, and homeowners. It can offer peace of mind to anyone involved in homeownership.
The different kinds of home warranties in Lockhart include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover almost all your home systems and appliances, such as your washing machine, drier, and HVAC. An appliance or system plan will cover only the specific items mentioned in the policy.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.
In general, 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 will pay the service fees when using the policy. In Lockhart, where the median value of a home is $330,982, having the seller pay for the home warranty can be a good asset for your new home.