Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Being a homeowner in Safety Harbor is a great option for those who enjoy nature and quiet neighborhoods. However, as great as Safety Harbor is, homeownership always comes with its fair share of difficulties, such as trying to deal with your home repairs yourself. A home warranty in Safety Harbor can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
The home warranty market has a variety of providers — all with different price points — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Safety Harbor.
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 Safety Harbor, Liberty Home Guard is the most trustworthy home warranty. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
Liberty Home Guard offers 3 plans for Safety Harbor homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Safety Harbor area.
For a more detailed breakdown, read our thorough review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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 Safety Harbor, Choice Home Warranty is the best overall home warranty. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage.
Choice Home Warranty offers 2 plans for Safety Harbor homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Safety Harbor area.
For a more detailed breakdown, read our thorough 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.
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 Safety Harbor, Select Home Warranty is the most cost-effective home warranty. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you’ll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
Select Home Warranty offers 3 plans for Safety Harbor homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Safety Harbor area.
For a more detailed breakdown, read our thorough review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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 Safety Harbor, American Home Shield is the most customizable home warranty. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
American Home Shield offers 3 plans for Safety Harbor homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage limits 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 Safety Harbor area.
For a more detailed breakdown, read our thorough review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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 Safety Harbor, First American Home Warranty is the best home warranty for appliance coverage. If you’re looking for very affordable and comprehensive appliance coverage, you’ll want to have this plan on your side. Plus, it 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 with various options for appliance and system coverage.
First American Home Warranty offers 2 plans for Safety Harbor homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Safety Harbor area.
For a more detailed breakdown, read our thorough review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 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 Safety Harbor, Cinch Home Services is the home warranty with the best workmanship guarantee. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
Cinch Home Services offers 3 plans for Safety Harbor homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits 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 Safety Harbor area.
For a more detailed breakdown, read our thorough review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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 Safety Harbor, The Home Service Club is the best home warranty with the quickest service. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you’ll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage.
The Home Service Club offers 2 plans for Safety Harbor homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits 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 Safety Harbor area.
For a more detailed breakdown, read our thorough review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,555 |
| Heating | $4,370 |
| Electrical | $656 |
| Toilets | $546 |
| Washer/Dryer | $874 |
| Plumbing | $656 |
| Oven | $1,748 |
| Fridge | $656 |
A home warranty is a protection policy that assists Safety Harbor homeowners in reducing the expenses of appliance and system repairs. The plans provide financial coverage to replace or repair appliances and systems that stop working due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty provides peace of mind for homeowners by helping them avoid expensive emergency repairs. They're particularly useful for those who live in older homes or ones with aging systems. Newer builds with modern fixtures probably don’t need a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as refrigerators, dryers, dishwashers, washers, microwaves, garbage disposals, and more. Covered systems include electrical, plumbing, heating, and air conditioning. Many home warranty providers also offer add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. Most home warranty plans require Safety Harbor homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Moreover, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Before agreeing to a home warranty contract, you should understand key terms like:
There are several key considerations when choosing a home warranty provider:
Home warranties differ greatly in the items covered. Basic plans typically provide protection for heating, plumbing, electrical, AC, and appliances, while more comprehensive options may also cover well pumps, roof leaks, spas, and pools. Look for providers with an array of coverage options, such as upgraded plans. You'll want to tailor your protection for your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may eliminate 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, approval rates, repair timeliness, and customer satisfaction. Use review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Positive ratings and feedback indicate a provider known for great service.
Home warranty companies have networks of contractors to handle covered repairs. Bigger networks improve the likelihood of getting qualified technicians to promptly service your home. Contact potential providers to find out how many contractors they have in Safety Harbor to get a sense of how soon your repairs could happen in an emergency.
Home warranty providers might offer bonuses such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These extras add value beyond basic repair coverage. Added perks help maximize the usefulness of your home warranty.
Temperatures in Safety Harbor can get quite high in the summer, which means your air conditioner is likely to get a lot of use. As a homeowner in Safety Harbor, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.
Plus, having a home warranty can save you some time by getting rid of the need to research technicians — most providers will send a trusted professional right to your door to do the necessary repair or replacement. A home warranty can also have value in other ways. For example, some plans can be transferred to another owner during a home sale.
One main drawback of a home warranty is not everything may be covered. It’s important to compare the different plans and get one that covers all the appliances, systems, and add-ons you need.
Another downside is that home warranties may not include some repairs, such as those needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the impacted systems and appliances most likely won’t be covered by the home warranty.
A home warranty plan costs, on average, about $300 to $600 a year in Safety Harbor. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover problems with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger plan that protects an entire home from natural disasters, which can be a concern in Safety Harbor. It doesn't cover a typical appliance or system breakage.
A home warranty plan can help real estate agents, homebuyers, investors, homeowners, and home sellers. It can provide peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in Safety Harbor include plans that cover either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, including your washing machine, drier, and heating and cooling systems. An appliance or system plan will cover only the items mentioned in the policy.
Generally, a home warranty plan lasts for a year and can be renewed yearly. Some providers may offer month-to-month options.
Usually, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Safety Harbor, where the median value of a home is $514,265, having the seller pay for the home warranty can save you some money on your new home.
