Written By David Cusick
Last Updated April 2024
Buying a home is a big step for many people, but maintaining it can get expensive over time, especially if your home in Temple Terrace is on the older side. A home warranty is a way to protect your bank account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Choosing the best home warranty on the market can be challenging because of the numerous options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide to the best home warranty providers in Temple Terrace.
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 offers the most trustworthy home warranty in Temple Terrace. Liberty has been on the market for more than 6 years, making it a highly regarded company in the industry. When you purchase a plan 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. Liberty offers 3 plans for you to decide between.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000 at the maximum.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read more by visiting 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 offers the best overall home warranty in Temple Terrace. Choice has been on the market for more than 15 years, making it a highly regarded company in the industry. When you purchase a plan 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. Choice offers 2 plans for you to decide between.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000 at the maximum.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting 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 offers the most cost-effective home warranty in Temple Terrace. Select has been on the market for more than 11 years, making it a highly regarded company in the industry. When you purchase a plan 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. Select offers 3 plans for you to decide between.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000 at the maximum.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting 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 in Temple Terrace. AHS has been on the market for more than 26 years, making it a highly regarded company in the industry. When you purchase a plan 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. AHS offers 3 plans for you to decide between.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500 at the maximum.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting 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 offers the best home warranty for appliance coverage in Temple Terrace. First American has been on the market for more than 39 years, making it a highly regarded company in the industry. When you purchase a plan 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. First American offers 2 plans for you to decide between.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500 at the maximum.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read more by visiting 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 offers the home warranty with the best workmanship guarantee in Temple Terrace. Cinch has been on the market for more than 44 years, making it a highly regarded company in the industry. When you purchase a plan 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. Cinch offers 3 plans for you to decide between.
The 3 plans from Cinch Home Services are 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 typically about $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting 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 offers the best home warranty with the quickest service in Temple Terrace. HSC has been on the market for more than 15 years, making it a highly regarded company in the industry. When you purchase a plan 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. HSC offers 2 plans for you to decide between.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000 at the maximum.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting 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 | $6,206 |
Heating | $4,138 |
Electrical | $621 |
Toilets | $517 |
Washer/Dryer | $828 |
Plumbing | $621 |
Oven | $1,655 |
Fridge | $621 |
A home warranty is a protection plan that helps Temple Terrace homeowners lower the high costs of household repairs. These plans provide financial protection to repair 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 company then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid high-priced emergency repairs. The coverage is especially helpful for owners of older houses or houses with fixtures near the end of their life span. However, people with newer homes and working appliances may not require a home warranty.
Home warranties protect many household systems and appliances. Typical covered appliances are garbage disposals, dishwashers, washers, microwaves, dryers, refrigerators, and more. Covered systems include heating, air conditioning, plumbing, and electrical. Many home warranty plans offer additional coverage for central vacuums, roof leaks, septic systems, and even locksmiths. Temple Terrace 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 needed due to normal wear and tear. Home warranties don't cover problems such as natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. It's important to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by the policy.
Home warranty contracts use several terms that you'll want to understand before signing, such as:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans provide coverage for heating, plumbing, electrical, AC, and appliances. More comprehensive plans also cover other items such as well pumps, roof leaks, spas, and pools. Look for companies with varied coverage options, including upgraded plans. This allows you to customize your plan to your 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 companies with lower service fees to maximize savings. Some providers also offer disappearing deductibles after periods where a customer files no claims.
A home warranty company's reputation can give you insight into things such as repair timeliness, contractor quality, approval rates, and customer satisfaction. Check review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Positive ratings and feedback indicate a company known for great service.
Home warranty companies maintain networks of contractors to handle covered repairs. Wider networks increase the likelihood of getting qualified technicians to swiftly service your home. Reach out to potential providers and ask how many contractors they have in Temple Terrace to get a sense of how quickly your repairs could happen in an emergency.
Home warranty companies sometimes include extras such as energy efficiency upgrades, coverage for smart home devices, and maintenance discounts. These extras can add value beyond repair coverage. Additional perks can maximize the usefulness of the home warranty.
Since temperatures in Temple Terrace can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Having a home warranty can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
Not only can a home warranty provide some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a contractor and schedule a repair. A home warranty deals with this process by sending trusted professionals to your door when you need them most. Another good thing about having a home warranty is when you’re selling your home, you can most likely transfer your home warranty to the new owners. It can make your house more attractive to potential homebuyers and help your home sell faster.
Home warranties also have some drawbacks. While it can give you less to worry about since the home warranty sends out a repair technician who takes care of the repair for you, some people may not like this, and they would rather select a contractor themselves. If that’s important to you, some home warranty companies allow you to choose a contractor.
Also, 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 besides normal wear and tear — the home warranty may not cover it.
A home warranty in Temple Terrace can cost anywhere from $30 to $60 a month. Higher-priced plans typically have higher coverage limits, a lower service fee, and broader coverage. 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.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. Homeowners insurance protects the entire home in case of something such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim should you need a new refrigerator or dishwasher, unless the damage is due to a natural disaster, which can be a threat in Temple Terrace.
A home warranty policy can help homeowners, investors, homebuyers, home sellers, and real estate agents. It can offer peace of mind and savings to anyone involved with homeownership.
The different home warranties in Temple Terrace include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your home systems and appliances, such as your washing machine, drier, and plumbing. An appliance or system plan will cover only the items listed in the plan.
Generally, a home warranty plan offers coverage for a year and can be renewed annually. Some providers may offer month-to-month options.
In general, the homeowner is the one who pays 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 Temple Terrace, where the median home value is $327,769, having the seller pay for the home warranty can save you some money on your new home.