Written By David Cusick
Last Updated April 2024
Ruskin gives homeowners some great living options and the opportunity to enjoy bright warm summers. However, scorching temperatures can do a number on your home’s systems, such as your HVAC. A home warranty in Ruskin can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that stop working due to normal wear and tear.
Finding the best home warranty on the market can be quite a challenge because of the numerous options out there. If you're frustrated with trying to compare them all, keep reading for our guide to the best home warranty companies in Ruskin.
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
Liberty Home Guard is the most trustworthy home warranty in Ruskin. Liberty has more than 6 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are comprehensive and have a mix of both system and appliance coverage.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000.
To receive 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 Liberty Home Guard 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
Choice Home Warranty is the best overall home warranty in Ruskin. Choice has more than 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. 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. The 2 plans from Choice are comprehensive and have a mix of both system and appliance coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty 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
Select Home Warranty is the most cost-effective home warranty in Ruskin. Select has more than 11 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It 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 comprehensive and have a mix of both system and appliance coverage.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, 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 is the most customizable home warranty in Ruskin. AHS has more than 26 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are comprehensive and have a mix of both system and appliance coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For a more detailed breakdown, read our American Home Shield 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
First American Home Warranty is the best home warranty for appliance coverage in Ruskin. First American has more than 39 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. First American has established itself as a company with very affordable and comprehensive appliance coverage. 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 2 plans from First American are comprehensive and have a mix of both system and appliance coverage.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also around $1,500.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For a more detailed breakdown, read our First American Home Warranty 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
Cinch Home Services is the home warranty with the best workmanship guarantee in Ruskin. Cinch has more than 44 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are comprehensive and have a mix of both system and appliance coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read our Cinch Home Services 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
The Home Service Club is the best home warranty with the quickest service in Ruskin. HSC has more than 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It 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 comprehensive and have a mix of both system and appliance coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000.
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 a more detailed breakdown, read our The Home Service Club 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 | $6,311 |
Heating | $4,208 |
Electrical | $631 |
Toilets | $526 |
Washer/Dryer | $842 |
Plumbing | $631 |
Oven | $1,683 |
Fridge | $631 |
A home warranty is a protection plan that helps Ruskin homeowners in lowering the costs of appliance and system repairs. The plans provide financial coverage to swap out or fix appliances and systems that stop working due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty plan gives homeowners peace of mind and can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties protect many household systems and appliances. Typical covered appliances are dishwashers, refrigerators, washers, dryers, microwaves, garbage disposals, and more. Covered systems include plumbing, air conditioning, heating, and electrical. Various home warranty plans offer extra coverage for central vacuums, roof leaks, septic systems, and even locksmiths. Ruskin 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, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, natural disasters, cosmetic issues, or damage caused by improperly using 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.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
There are several important considerations when choosing a home warranty provider:
Home warranty plans differ significantly in terms of coverage. Most plans provide protection for heating, electrical, plumbing, AC, and appliances. More robust plans also include coverage for other items such as roof leaks, spas, pools, and well pumps. Look for a provider 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.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out providers advertising more affordable fees to optimize savings on each repair claim. Certain providers may waive deductibles if homeowners don't submit any claims within a set period of time.
A home warranty company's reputation provides insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Complimentary ratings and reviews indicate a company known for stellar service.
Home warranty companies keep networks of local professionals to handle repairs in your area. Reach out to potential providers to find out how many repair professionals they have in Ruskin and get an idea for how quickly your repairs might happen in an emergency situation. Larger networks increase the chances of getting qualified contractors to swiftly service your home.
Some home warranty companies include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These can provide extra value beyond just repair coverage. Extra bonuses let you enhance your home and get the most from your home warranty.
Temperatures in Ruskin can get quite high in the summer, which means your air conditioner is likely to get a good bit of use. As a homeowner in Ruskin, one benefit of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
In addition, having a home warranty can save you some time by getting rid of the need to research service technicians — most providers will send a trusted professional right to your door to do the necessary repair or replacement. Another added benefit of having a home warranty policy 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.
One of the main drawbacks of home warranties is not every home system and appliance may be covered. It’s important to compare the different policies and purchase one that covers all the appliances, systems, and add-ons you need.
Another downside is that home warranties may not include some repairs, like those due to natural disasters. For example, if a tree falls onto your house and damages the roof, the impacted systems and appliances most likely won’t be covered by the home warranty.
A home warranty in Ruskin can cost anywhere from $30 to $60 a month. Higher-priced plans usually have higher coverage limits, broader coverage, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also decrease your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty plans cover issues related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of insurance that protects the entire home from natural disasters, which can be a concern in Ruskin. It doesn't cover a typical appliance or system breakage.
First-time homebuyers, home sellers, landlords, real estate agents, and homeowners can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
A home warranty can cover your home’s systems, appliances, or both. Combination plans are beneficial 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 offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Usually, the homeowner is responsible for paying 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 has to pay the service fees when using the policy. In Ruskin, where the median home value is $352,201, having the seller pay for the home warranty can be a good asset for your new home.