Written By David Cusick
Last Updated June 2024
As much as you may enjoy owning a home in Lynn Haven, there's always that worry about whether your systems and appliances are going to need to be replaced in the next few years. A home warranty in Lynn Haven can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
Finding the best home warranty on the market can be quite a challenge because of the many options available. If you're frustrated with trying to compare them all, keep reading for our guide to the best home warranty companies in Lynn Haven.
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 Lynn Haven, Liberty Home Guard is the most trustworthy home warranty. The 3 policies that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a policy 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 plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 for each covered system or appliance.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit our Liberty Home Guard full review.
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 Lynn Haven, Choice Home Warranty is the best overall home warranty. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a policy 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 plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered system or appliance.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit our Choice Home Warranty full review.
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 Lynn Haven, Select Home Warranty is the most cost-effective home warranty. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a policy 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 plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage caps come out to around $2,000 for each covered system or appliance.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our Select Home Warranty full review.
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 Lynn Haven, American Home Shield is the most customizable home warranty. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a policy 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 plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 for each covered system or appliance.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our American Home Shield full review.
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 Lynn Haven, First American Home Warranty is the best home warranty for appliance coverage. The 2 policies that First American offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a policy 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 for each covered system or appliance.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit our First American Home Warranty full review.
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 Lynn Haven, Cinch Home Services is the home warranty with the best workmanship guarantee. The 3 policies that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a policy 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 plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 for each covered system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our Cinch Home Services full review.
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 Lynn Haven, The Home Service Club is the best home warranty with the quickest service. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a policy 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 for each covered system or appliance.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit our The Home Service Club full review.
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 | $6,115 |
Heating | $4,077 |
Electrical | $612 |
Toilets | $510 |
Washer/Dryer | $815 |
Plumbing | $612 |
Oven | $1,631 |
Fridge | $612 |
A home warranty is a protection policy that helps cut costs for Lynn Haven homeowners needing appliance and system repairs. These plans provide financial coverage to repair or swap out appliances and systems that break due to 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 fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid high-priced emergency repairs. The coverage is particularly helpful for those living in older houses or houses with fixtures near the end of their life span. However, people with newer homes and modern appliances may not require a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are dishwashers, dryers, washers, refrigerators, microwaves, garbage disposals, and more. Covered systems are typically plumbing, electrical, heating, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Lynn Haven homeowners should know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by the policy.
Home warranty contracts use several terms that you'll want to know before signing, such as:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage varies, although most plans provide coverage for plumbing, electrical, AC, heating, and appliances. More comprehensive options may also cover other things such as pools, spas, well pumps, and roof leaks. Focus on providers with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize protection for your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty provider's reputation can offer insight into things such as contractor quality, approval rates for claims, speed of repairs, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Positive ratings and reviews indicate that a company is known for top-tier service.
Home warranty providers keep networks of contractors to handle covered repairs. Wider networks raise the probability of getting qualified technicians to promptly service your home. Reach out to potential providers and ask how many contractors they have in Lynn Haven to get a sense of how quickly your repairs could be handled in an emergency.
Certain home warranty providers offer extras such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These can provide extra value beyond repair coverage. Added perks help improve your home and maximize your home warranty.
Since temperatures in Lynn Haven can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Having a home warranty can help homeowners save money if one of these systems or appliances stops working all of a sudden.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of having to vet technicians by yourself, home warranty providers do the work for you and send a contractor from their network right to your door when you need them. Another added benefit of having home warranty coverage is that it can raise your home’s real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
There are also some negatives to buying a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another stipulation is that home warranties usually only cover repairs needed due to 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 in Lynn Haven can cost between $30 and $60 a month. The higher-priced plans usually have broader coverage, higher coverage limits, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some providers will also lower your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects the entire home in case of a situation such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Lynn Haven.
A home warranty policy can help homebuyers, investors, homeowners, real estate agents, and home sellers. It can offer peace of mind and savings to anyone involved with homeownership.
The different kinds of home warranties in Lynn Haven include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your systems and appliances, such as your dishwasher, washing machine, and HVAC. An appliance or system plan will cover only the specific items listed in the contract.
Home warranty plans usually last a year. Many providers let you renew your plan yearly, and some offer month-to-month options as well.
Usually, the homeowner is responsible for paying 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 transferred to the new homeowner, who will pay the service fees. In Lynn Haven, where the median home value is $327,059, having the seller pay for the home warranty can be a good asset for your new home.