Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Buying a home is a big step for many people, but the cost of maintaining it can get expensive over time, especially if your home in Opa-locka is on the older side. A home warranty in Opa-locka can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
Finding the right warranty for your home can be difficult, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Opa-locka. Keep reading for our home warranty recommendations.
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 Opa-locka, Liberty Home Guard offers the most trustworthy home warranty. Liberty has around 6 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. The 3 home warranty plans that Liberty offers include options for appliance and system coverage. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that offer a mix of appliance and system coverage. Liberty’s service fees are an affordable $75, and the coverage limits come out to about $3,000 per covered appliance or system.
To read more, visit our Liberty Home Guard Review. 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
In Opa-locka, Choice Home Warranty offers the best overall home warranty. Choice has around 15 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. The 2 home warranty plans that Choice offers include options for appliance and system coverage. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 per covered appliance or system.
To read more, visit our Choice Home Warranty Review. 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
In Opa-locka, Select Home Warranty offers the most cost-effective home warranty. Select has around 11 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. The 3 home warranty plans that Select offers include options for appliance and system coverage. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that offer a mix of appliance and system coverage. Select’s service fees are a reasonable $60, and the coverage limits come out to about $2,000 per covered appliance or system.
To read more, visit our Select Home Warranty Review. 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
In Opa-locka, American Home Shield offers the most customizable home warranty. AHS has around 26 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. The 3 home warranty plans that AHS offers include options for appliance and system coverage. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that offer a mix of appliance and system coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 per covered appliance or system.
To read more, visit our American Home Shield Review. 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
In Opa-locka, First American Home Warranty offers the best home warranty for appliance coverage. First American has around 39 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. The 2 home warranty plans that First American offers include options for appliance and system 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.
First American Home Warranty has 2 plans that offer a mix of appliance and system coverage. First American’s service fees are a reasonable $85, and the coverage limits come out to about $1,500 per covered appliance or system.
To read more, visit our First American Home Warranty Review. 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
In Opa-locka, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has around 44 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. The 3 home warranty 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.
Cinch Home Services has 3 plans that offer a mix of appliance and system coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 per covered appliance or system.
To read more, visit our Cinch Home Services Review. 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
In Opa-locka, The Home Service Club offers the best home warranty with the quickest service. HSC has around 15 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. The 2 home warranty plans that HSC offers include options for appliance and system coverage. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, 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 has 2 plans that offer a mix of appliance and system coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 per covered appliance or system.
To read more, visit our The Home Service Club Review. 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 | $6,202 |
| Heating | $4,135 |
| Electrical | $620 |
| Toilets | $517 |
| Washer/Dryer | $827 |
| Plumbing | $620 |
| Oven | $1,654 |
| Fridge | $620 |
A home warranty is a protection plan that assists Opa-locka homeowners cut the high costs of household repairs. These plans provide financial coverage to fix or replace appliances and systems that break down from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then finds 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 policy gives homeowners peace of mind because it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not need a home warranty.
Home warranties help protect your home systems and appliances. Common appliances covered under a home warranty include microwaves, refrigerators, washers, dryers, dishwashers, garbage disposals, and more. Covered systems include plumbing, heating, air conditioning, and electrical. Many home warranties also offer add-on coverage options for central vacuums, locksmiths, septic systems, and even roof leaks. Opa-locka homeowners should know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like cosmetic issues, natural disasters, pre-existing conditions, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by your policy.
Before agreeing to a home warranty contract, you should learn key terms like:
When selecting a home warranty provider, there are several key factors to consider:
Home warranties differ greatly in the items covered. Basic policies typically provide protection for AC, heating, electrical, plumbing, and appliances, while more comprehensive options may also cover well pumps, roof leaks, pools, and spas. Look for a company that offers comprehensive coverage choices, 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-repair charges can potentially accumulate over time, so some homeowners prefer using providers with more affordable per-claim 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 company's reputation can offer insight into things such as approval rates for claims, contractor quality, speed of repairs, and customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Good ratings and reviews indicate that a provider is known for top-tier service.
Home warranty companies have networks of technicians to handle covered repairs. More extensive 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 Opa-locka to get a sense of how quickly your repairs could be handled in an emergency.
Some home warranty companies include bonuses such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These add value beyond just repair coverage. Added bonuses can maximize the usefulness of your home warranty.
Opa-locka’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help 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 repairs, preventing you from spending a lot of money out of pocket.
Not to mention, having a home warranty can save you time by removing the need to research technicians — most providers will send a trusted professional right to your door to carry out the necessary repair or replacement. A home warranty can also provide value in other ways. For instance, some plans can be transferred to another owner during a home sale.
As for the drawbacks of home warranties, coverage varies by company, so it’s important to understand what each plan covers and excludes in the contract.
Plus, if you don’t maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in Opa-locka can cost between $30 and $60 a month. Higher-priced plans tend to have a lower service fee, higher coverage limits, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also reduce 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 types of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects the entire home in case of something such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim should you need a new washing machine or stove, unless the damage is due to a natural disaster, which can be a threat in Opa-locka.
Homebuyers, homeowners, landlords, real estate agents, and home sellers are all eligible for home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
The different home warranties in Opa-locka include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, such as your dishwasher, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the items listed in the plan.
Generally, a home warranty policy lasts for a year and can be renewed annually. Some providers may offer month-to-month plans.
In general, the homeowner is the one who is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Opa-locka, where the median home value is $353,594, having the seller pay for the home warranty can save you some money on your new home.
