Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Although homeownership in Three Lakes has a lot of perks — such as being surrounded by nature — there are also downsides. One major headache many homeowners have to deal with eventually is updating or repairing their home systems and appliances. A home warranty in Three Lakes can help lower 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 is saturated with many providers — all with different coverage — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Three Lakes.
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 Three Lakes, Liberty Home Guard offers the most trustworthy home warranty. Liberty has over 6 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. 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. The 3 plans from Liberty are easy to comprehend 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. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $75.
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 review of Liberty Home Guard.
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 Three Lakes, Choice Home Warranty offers the best overall home warranty. Choice has over 15 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. 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. The 2 plans from Choice are easy to comprehend 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. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $85.
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 review of Choice Home Warranty.
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 Three Lakes, Select Home Warranty offers the most cost-effective home warranty. Select has over 11 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. 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. The 3 plans from Select are easy to comprehend 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. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $60.
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 review of Select Home Warranty.
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 Three Lakes, American Home Shield offers the most customizable home warranty. AHS has over 26 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. 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. The 3 plans from AHS are easy to comprehend and have a mix of both system and appliance coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
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 review of American Home Shield.
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 Three Lakes, First American Home Warranty offers the best home warranty for appliance coverage. First American has over 39 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. 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. The 2 plans from First American are easy to comprehend 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. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $85.
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 review of First American Home Warranty.
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 Three Lakes, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has over 44 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. 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. The 3 plans from Cinch are easy to comprehend 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. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
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 review of Cinch Home Services.
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 Three Lakes, The Home Service Club offers the best home warranty with the quickest service. HSC has over 15 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. 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 2 plans from HSC are easy to comprehend 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. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
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 review of The Home Service Club.
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 | $7,112 |
| Heating | $4,741 |
| Electrical | $711 |
| Toilets | $593 |
| Washer/Dryer | $948 |
| Plumbing | $711 |
| Oven | $1,896 |
| Fridge | $711 |
A home warranty is a protection policy that assists Three Lakes homeowners in reducing the expenses of appliance and system repairs. The plans offer financial coverage to replace or fix appliances and systems that stop working due to normal wear and tear.
When something stops working, you file 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 exceeds the item's coverage limit. A home warranty provides security for homeowners by helping them avoid expensive emergency repairs. They're particularly valuable for those who own older homes or ones with outdated systems. Newer homes with working appliances probably don’t require a home warranty.
Home warranties cover your home systems and appliances. Warranties usually cover appliances such as refrigerators, washers, microwaves, dishwashers, garbage disposals, dryers, and others. Covered systems include heating, air conditioning, plumbing, and electrical. Many home warranty providers also offer add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. Most home warranty plans require Three Lakes homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Moreover, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Before signing a home warranty contract, you should know key terms like:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty plans differ significantly in terms of coverage. Most plans provide protection for plumbing, heating, AC, electrical, and appliances. More inclusive options also offer protection for other items such as well pumps, roof leaks, pools, and spas. Look for providers with a range of coverage choices, such as upgraded plans. You'll want to tailor your protection for your needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out 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 provider's reputation provides insights into factors such as contractor expertise, claim approval rates, repair speed, and customer satisfaction. Check review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about providers. Good feedback and ratings suggest a company known for providing quality service.
Home warranty companies use networks of local repair technicians to manage repairs in a given area. Contact potential businesses to learn the number of repair specialists they have in Three Lakes and get an idea of how fast your repairs could be handled in an emergency. Wider networks increase the chance of getting qualified contractors to swiftly service your home.
Home warranty providers might offer extras such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These add value beyond just repair coverage. Added perks can maximize the usefulness of the home warranty.
Since temperatures in Three Lakes can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Purchasing a home warranty plan can help homeowners save money if one of these systems or appliances stops working all of a sudden.
Not only does a home warranty offer some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a contractor and schedule a repair. A home warranty takes care of the research by sending trusted professionals to your door when you need them most. Another added benefit of having home warranty coverage is that it can raise your home’s real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
There are also some downsides to getting a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
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 besides normal wear and tear — the home warranty may not cover it.
A home warranty policy costs, on average, about $300 to $600 a year in Three Lakes. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by choosing 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 helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects your home in a situation such as a fire or natural disaster. Under a homeowners insurance plan, you won't be able to file a claim if you need a new washing machine or oven, unless the damage is due to a natural disaster, which can be a threat in Three Lakes.
A home warranty plan can help real estate agents, home sellers, investors, homeowners, and homebuyers. It can provide peace of mind to anyone involved in homeownership.
A home warranty policy can cover your home’s appliances, systems, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Home warranty plans generally provide coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month options as well.
In general, 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 Three Lakes, where the median value of a home is $760,429, having the seller pay for the home warranty can save you some money on your new home.
