Written By David Cusick
Last Updated February 2024
Homeownership in Miami Gardens can be satisfying for many people, but it also comes with its fair share of challenges. Home repairs can be an unforeseen financial burden for many homeowners. A home warranty is a way to protect your savings from unexpected home repairs and 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.
Finding the best home warranty on the market can be challenging, as there are so many companies to choose from. That’s why our team at Today's Homeowner did the research and compiled a list of the top home warranty companies in Miami Gardens for you.
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 Miami Gardens, Liberty Home Guard is the most trustworthy home warranty. Liberty has more than 6 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. When you buy a plan 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 3 plans from Liberty are easily comprehensible and have a mix of both system and appliance coverage.
Liberty Home Guard offers 3 plans for Miami Gardens 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 with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read more by visiting 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 Miami Gardens, Choice Home Warranty is the best overall home warranty. Choice has more than 15 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. When you buy a plan 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 2 plans from Choice are easily comprehensible and have a mix of both system and appliance coverage.
Choice Home Warranty offers 2 plans for Miami Gardens 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 with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read more by visiting 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 Miami Gardens, Select Home Warranty is the most cost-effective home warranty. Select has more than 11 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. When you buy a plan 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 3 plans from Select are easily comprehensible and have a mix of both system and appliance coverage.
Select Home Warranty offers 3 plans for Miami Gardens 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 with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read more by visiting 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 Miami Gardens, American Home Shield is the most customizable home warranty. AHS has more than 26 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. When you buy a plan 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 3 plans from AHS are easily comprehensible and have a mix of both system and appliance coverage.
American Home Shield offers 3 plans for Miami Gardens 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 with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read more by visiting 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 Miami Gardens, First American Home Warranty is the best home warranty for appliance coverage. First American has more than 39 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. When you buy a plan 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 2 plans from First American are easily comprehensible and have a mix of both system and appliance coverage.
First American Home Warranty offers 2 plans for Miami Gardens 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 with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are a reasonable $85.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read more by visiting 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 Miami Gardens, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has more than 44 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. When you buy a plan 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 3 plans from Cinch are easily comprehensible and have a mix of both system and appliance coverage.
Cinch Home Services offers 3 plans for Miami Gardens 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 with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting 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 Miami Gardens, The Home Service Club is the best home warranty with the quickest service. HSC has more than 15 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. When you buy a plan 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 2 plans from HSC are easily comprehensible and have a mix of both system and appliance coverage.
The Home Service Club offers 2 plans for Miami Gardens 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 with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read more by visiting 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 | $6,462 |
Heating | $4,308 |
Electrical | $646 |
Toilets | $539 |
Washer/Dryer | $862 |
Plumbing | $646 |
Oven | $1,723 |
Fridge | $646 |
A home warranty is a protection policy that assists Miami Gardens homeowners cut the high costs of household repairs. These plans offer financial coverage to repair or swap out appliances and systems that stop working from normal wear and tear.
Homeowners file 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 repair or replacement costs exceed the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent costly 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 cover many household systems and appliances. Warranties usually cover appliances such as microwaves, dishwashers, refrigerators, dryers, washers, garbage disposals, and others. Covered systems include plumbing, heating, air conditioning, and electrical. Many home warranty providers also offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. It's important for Miami Gardens homeowners to know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as cosmetic issues, pre-existing conditions, natural disasters, 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 will be covered by your policy.
There are a number of home warranty terms to understand before signing an agreement, including:
There are several important factors to consider when choosing a home warranty provider:
Home warranty plans can have major differences in covered items. Most plans cover heating, electrical, plumbing, AC, and appliances. More robust plans also extend protection to other items such as spas, pools, well pumps, and roof leaks. Look for a company that offers an extensive selection of coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and 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 companies with more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty company's reputation gives insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Favorable reviews and ratings indicate a provider known for stellar service.
Home warranty providers keep networks of local contractors to handle repairs in your area. Reach out to potential providers to learn how many repair contractors they have in Miami Gardens and get an idea for how quickly your repairs could take place in an emergency situation. Wider networks increase the chances of getting qualified contractors to quickly service your home.
Some home warranty companies include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These extras can offer extra value beyond repair coverage. Extra bonuses allow you to enhance your home and get the most from your home warranty.
Home warranty policies are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Miami Gardens hitting an average high of 82℃F, you may find that some appliances, such as your A.C., get a lot of use. A home warranty can remarkably decrease out-of-pocket expenses should your HVAC system break down.
On top of saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair issues you may come across. Plus, though it varies by company, some providers will let you transfer your warranty if you sell your home. This can make your property more attractive to potential homebuyers and help your home sell faster.
There are also some negatives to getting a home warranty plan, such as the coverage exclusions. For instance, 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 often won’t cover home systems or appliances that need repairs or replacements due to animal infestations, improper maintenance, natural disasters, etc.
A home warranty costs, on average, about $300 to $600 a year in Miami Gardens. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by choosing a higher service fee. In addition, it's often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover issues related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different plan that protects your entire home from natural disasters, which can be a concern in Miami Gardens. It doesn't cover a normal appliance or system breakage.
A home warranty policy can help homeowners, real estate agents, homebuyers, home sellers, and investors. It can provide peace of mind and savings to anyone involved in homeownership.
A home warranty can cover your systems, appliances, 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 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 homeowner pays for the home warranty. In some cases, however, the home seller may buy a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Miami Gardens is $432,497, a home warranty can be an added asset when buying a home.