Written By Todays Homeowner Local Pros
Last Updated May 2023
Thinking about purchasing a home warranty? One of our top home warranty providers can help. There are many benefits of owning a home in Opa Locka. However, major home systems and appliances, like your plumbing and refrigerator, can break down due to normal wear and tear, leaving you with expensive repairs.
When one of your systems or appliances stops working, a home warranty will step in to help you cover the costs. A home warranty plan can give homeowners the peace of mind they need to feel less anxious about homeownership. Finding the best home protection plan for your Opa Locka home can be time-consuming, so our team at Today's Homeowner did the research to help you find the best home warranty in Opa Locka for your home. Keep reading for our recommendations.
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 in Opa Locka. Choice has been in business for more than 15 years, making it a respected company in the industry. 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 offers 2 plans for you to choose from.
Choice Home Warranty has 2 plans that offer a mix of appliance and system 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 be sure to check with the company. Service fees are an affordable $85.
For a more detailed breakdown, read our full review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
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 offers the most cost-effective home warranty for Opa Locka residents. Select is a home warranty company with 11 years of experience in the industry, and it has proved to be one of the best providers in the business. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the plan for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options.
Select Home Warranty has 3 plans that provide 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 be sure to check with the provider. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For more information on this provider, read our Select Home Warranty 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
American Home Shield offers the most customizable home warranty for Opa Locka residents. AHS has more than 26 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, this is the provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 policies that AHS offers include options for appliance and system coverage.
American Home Shield has 3 plans that offer a mix of appliance and system 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 provider. Service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read our full review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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 offers the best home warranty with the quickest service for Opa Locka residents. 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.
There are 2 home warranty plans from The Home Service Club: 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 about $2,000 for each covered appliance or system.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For more information, read our detailed review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty for Opa Locka residents. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty offers 3 plans for homeowners to decide between.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Opa Locka area.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For a more detailed breakdown, read our review of Liberty Home Guard.
Total Home Guard
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 Opa Locka, First American Home Warranty offers the best home warranty for appliance coverage. First American offers very affordable and comprehensive appliance coverage. Plus, 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 home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is less than other providers in the Opa Locka area.
Read our review of First American Home Warranty to learn more. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
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 offers the home warranty with the best workmanship guarantee for Opa Locka residents. Cinch is a home warranty provider with 44 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 plans that Cinch offers include options for appliance and system coverage. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, 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. 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 appliance or system.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For more information on this provider, read our Cinch Home Services full review.
Built-in Systems Plan
Complete Home 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|
A home warranty is a service contract that helps homeowners manage the high costs of appliance and systems repairs. Home warranties will cover a number of home systems and appliances that need repairs or replacements due to normal wear and tear. Having a home warranty in place can make budgeting and managing your finances easier. A home warranty plan typically has a 30-day waiting period from the time you purchase to when you can file your first claim.
For Opa Locka homeowners, it is very easy to file a claim when a problem arises with a covered appliance or system. Most home warranty providers have an online portal system where you can file a claim.
At this point, you'll also pay your service fee. Once the repair person fixes the issue, they will take care of it at no cost to you. The only time a homeowner may have out-of-pocket costs is if the repair or replacement is higher than the item's coverage cap.
A home warranty in Opa Locka provides coverage for the main appliances and systems in your home. Common appliances covered under a home warranty include a microwave, dryer, washer, garbage disposal, refrigerator, dishwasher, and more. The systems that are usually covered will be plumbing, air conditioning, heating, and electrical systems.
You can also opt to pay a bit extra for add-on coverage for items like swimming pools, septic systems, roof warranty, and spas.
A home warranty will only cover normal wear and tear on your home systems and appliances. Things like cosmetic damages, pre-existing conditions, lack of maintenance, and misuse are excluded from the home warranty policy.
Opa Locka'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 if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the needed repairs, preventing you from spending a lot of money out of pocket.
Another benefit of having a home warranty is when you're selling your home, some providers let you transfer your home warranty plan to the new owners. This can make your house more attractive to potential homebuyers and may help your house sell faster.
One drawback of buying a home warranty is that there are often exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it's important to read through the contracts you're considering thoroughly to get a sense of what is included and what isn't.
Another stipulation is that home warranties usually only cover malfunctions due to normal wear and tear. They commonly won't cover systems or appliances that have been damaged due to animal infestations, natural disasters, improper maintenance, etc.
The first step in protecting your real estate investment with a home warranty is determining which provider's plan is the best for you. Consider the appliances and systems in your home you'd like coverage for and compare the plans. Below is a list of some factors to consider when buying a home warranty in Opa Locka:
The best overall home warranty in Opa Locka is Choice Home Warranty, but the best company for you will depend on factors like what appliances and systems you need coverage for.
Home warranty plans cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different insurance that protects an entire home from natural disasters, which can be a concern in Opa Locka. It doesn't cover a typical appliance or system breakage.
First-time homebuyers, homeowners, landlords, home sellers, and real estate agents can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
The most common home warranties in Opa Locka are plans with coverage for either appliances or systems and a combination plan. A combination plan will cover many of your home systems and appliances, including your dishwasher, washing machine, and plumbing. A plan that only covers appliances or systems will cover the appliances or systems listed in the plan.
Home warranties cover the cost of repairs and replacements as long as it is within the coverage cap of the plan. If the replacement costs more than the home warranty plan covers, you will have to pay the rest out of pocket.
A service fee is an expense that you must pay before a repair person or contractor comes to your home to fix your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty in place except for the monthly premium/annual cost unless the cost of the repair is greater than the coverage cap.
Typically, coverage for a home warranty begins 30 days after payment. However, a few companies may let you make a service request before this, so check with customer service to find the exact waiting period for your case.