Written By David Cusick
Last Updated February 2024
Being a homeowner in Palmetto Estates is an excellent option for those who enjoy nature and quiet neighborhoods. However, as great as Palmetto Estates is, homeownership always comes with its fair share of headaches, such as trying to finance your appliance and system repairs yourself. A home warranty can offer you the peace of mind you need and shield your bank account from large expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be difficult, as there are dozens of companies to decide between. That’s why the Today's Homeowner team did the research and made a list of the top home warranty companies in Palmetto Estates 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 Palmetto Estates, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been operating for around 6 years, making it a well-regarded company in the industry. When you buy a home warranty 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 policies that Liberty offers include options for appliance and system coverage.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Palmetto Estates area.
Read our Liberty Home Guard full review to learn more. To get 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 Palmetto Estates, Choice Home Warranty offers the best overall home warranty. Choice has been operating for around 15 years, making it a well-regarded company in the industry. When you buy a home warranty 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 policies that Choice offers include options for appliance and system coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Palmetto Estates area.
Read our Choice Home Warranty full review to learn more. To get 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 Palmetto Estates, Select Home Warranty offers the most cost-effective home warranty. Select has been operating for around 11 years, making it a well-regarded company in the industry. When you buy a home warranty 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 policies that Select offers include options for appliance and system coverage.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Palmetto Estates area.
Read our Select Home Warranty full review to learn more. To get 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 Palmetto Estates, American Home Shield offers the most customizable home warranty. AHS has been operating for around 26 years, making it a well-regarded company in the industry. When you buy a home warranty 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 policies that AHS offers include options for appliance and system coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Palmetto Estates area.
Read our American Home Shield full review to learn more. To get 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 Palmetto Estates, First American Home Warranty offers the best home warranty for appliance coverage. First American has been operating for around 39 years, making it a well-regarded company in the industry. When you buy a home warranty 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 policies that First American offers include options for appliance and system coverage.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Palmetto Estates area.
Read our First American Home Warranty full review to learn more. To get 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 Palmetto Estates, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been operating for around 44 years, making it a well-regarded company in the industry. When you buy a home warranty 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 policies that Cinch offers include options for appliance and system coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Palmetto Estates area.
Read our Cinch Home Services full review to learn more. To get 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 Palmetto Estates, The Home Service Club offers the best home warranty with the quickest service. HSC has been operating for around 15 years, making it a well-regarded company in the industry. When you buy a home warranty 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 policies that HSC offers include options for appliance and system coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Palmetto Estates area.
Read our The Home Service Club full review to learn more. To get 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 | $6,413 |
Heating | $4,275 |
Electrical | $641 |
Toilets | $534 |
Washer/Dryer | $855 |
Plumbing | $641 |
Oven | $1,710 |
Fridge | $641 |
A home warranty is a protection plan that assists Palmetto Estates homeowners in reducing the costs of appliance and system repairs. The plans provide financial coverage to swap out or fix appliances and systems that malfunction due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty provider 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 gives peace of mind to homeowners, as it helps prevent costly emergency repairs. Home warranties are especially useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances may not require a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include microwaves, refrigerators, garbage disposals, dryers, dishwashers, washers, and more. Covered systems are typically electrical, plumbing, air conditioning, and heating. Many home warranty companies provide add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. It's important for Palmetto Estates 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, policies typically only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement is covered by your policy.
Home warranties use several terms that you'll want to know before signing a contract, such as:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty policies vary widely in what they include. Most plans provide protection for electrical, plumbing, AC, heating, and appliances. More inclusive options also extend protection to other items such as pools, roof leaks, spas, and well pumps. Focus on providers with wide-ranging coverage selections including upgraded plans. Flexibility like this will help you customize your plan to meet your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a company with more affordable fees to maximize savings on every claim. Some providers also do away with deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Check review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about companies. Good ratings and feedback suggest a company known for quality service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Contact potential companies to learn the number of repair professionals they have in Palmetto Estates and get an idea of how quickly your repairs could be handled in an emergency. Wider networks raise the probability of getting qualified contractors to quickly service your home.
Some home warranty companies include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These can provide extra value beyond repair coverage. Added bonuses let you enhance your home and get the most from your home warranty.
Home warranty policies are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Palmetto Estates hitting an average high of 83℃F, you may find that some appliances, like your A.C., get a lot of use. A home warranty can considerably decrease out-of-pocket expenses should your HVAC system stop working.
Along with saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the headache of trying to find a qualified repair person 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, having a home warranty can help make your house more attractive to potential homebuyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you’ve been receiving.
One disadvantage of buying a home warranty is that there are generally exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it’s important to read through the contracts you’re considering thoroughly to understand what is included and what isn’t.
In addition, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty plan costs, on average, around $300 to $600 a year in Palmetto Estates. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's usually less expensive to pay annually rather than monthly.
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 your home in case of a situation such as a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim if you need a new washing machine or air conditioner, unless the damage is due to a natural disaster, which can be a threat in Palmetto Estates.
Homebuyers, landlords, real estate agents, home sellers, and homeowners can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
The different home warranties in Palmetto Estates include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your systems and appliances, including your refrigerator, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the items listed in the plan.
Home warranty plans usually provide coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month options as well.
Generally, the homeowner is the one who pays the premium and service fees. However, when buying 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 Palmetto Estates, where the median home value is $760,429, having the seller pay for the home warranty can save you some money on your new home.