Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Centerville offers homeowners some great housing options. However, unexpected repair and replacement costs on your home’s systems and appliances can get quite expensive. A home warranty policy can help protect you by reducing the costs of major repairs and replacements on your home’s most important appliances and systems.
The home warranty market has a lot of providers — all with different offerings — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Centerville.
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 Centerville. Liberty has about 6 years of industry experience and in that time has built a an expansive network of service professionals nationwide. When you purchase a policy 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 has 3 plans for you to decide between.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Centerville area.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 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 Centerville. Choice has about 15 years of industry experience and in that time has built a an expansive network of service professionals nationwide. When you purchase a policy 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 has 2 plans for you to decide between.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Centerville area.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 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 Centerville. Select has about 11 years of industry experience and in that time has built a an expansive network of service professionals nationwide. When you purchase a policy 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 has 3 plans for you to decide between.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Centerville area.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 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 Centerville. AHS has about 26 years of industry experience and in that time has built a an expansive network of service professionals nationwide. When you purchase a policy 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 has 3 plans for you to decide between.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Centerville area.
To receive a free quote from American Home Shield, you can fill out this online form or call 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 Centerville. First American has about 39 years of industry experience and in that time has built a an expansive network of service professionals nationwide. When you purchase a policy 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 has 2 plans for you to decide between.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is less than other providers in the Centerville area.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 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 Centerville. Cinch has about 44 years of industry experience and in that time has built a an expansive network of service professionals nationwide. When you purchase a policy 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 has 3 plans for you to decide between.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Centerville area.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 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 Centerville. HSC has about 15 years of industry experience and in that time has built a an expansive network of service professionals nationwide. When you purchase a policy 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 has 2 plans for you to decide between.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Centerville area.
To receive a free quote from The Home Service Club, you can fill out this online form or call 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 | $5,962 |
| Heating | $3,974 |
| Electrical | $596 |
| Toilets | $497 |
| Washer/Dryer | $795 |
| Plumbing | $596 |
| Oven | $1,590 |
| Fridge | $596 |
A home warranty is a protection policy that helps Centerville homeowners cut the expenses of appliance and system repairs. The plans offer financial coverage to fix or swap out appliances and systems that stop working due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then finds a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty gives security for homeowners by helping them prevent expensive emergency fixes. They're particularly useful for those who live in older homes or ones with outdated systems. More modern builds with functional appliances probably don’t require a home warranty.
Home warranties cover your home's systems and appliances. Common covered appliances are washers, dryers, dishwashers, microwaves, garbage disposals, refrigerators, and others. Protected systems include electrical, heating, air conditioning, and plumbing. Various home warranty plans offer extra coverage for septic systems, central vacuums, roof leaks, and even locksmiths. It's important for Centerville 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, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover things like natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by the policy.
Here are some essential home warranty terms to know before signing a contract:
There are several key factors to consider when selecting a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans include protection for AC, electrical, plumbing, heating, and appliances. More comprehensive plans also include protection for other items such as pools, well pumps, spas, and roof leaks. Focus on companies with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize protection for your home's needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, 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 provider's reputation provides insights into factors such as repair speed, contractor expertise, claim approval rates, and customer satisfaction. Check review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about companies. Good feedback and ratings suggest a company known for delivering quality service.
Home warranty providers maintain networks of technicians to handle covered repairs. Larger networks improve the likelihood of getting qualified technicians to promptly service your home. Ask potential providers how many contractors they have in Centerville to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty companies include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These extras can provide extra value beyond just repair coverage. Extra bonuses let you enhance your home and get the most from your home warranty.
Since temperatures in Centerville can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Getting a home warranty policy can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of having to vet technicians yourself, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Another added benefit of having a home warranty plan 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 provider you purchased your home warranty through.
As for the disadvantages of home warranties, coverage varies by company, so it’s important to review what each plan covers and excludes in the contract.
Another thing to consider is that some companies don’t cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty provider for clarification about it if you aren’t sure or if this is an issue for you.
A home warranty policy costs, on average, around $300 to $600 a year in Centerville. 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 opting for a higher service fee. In addition, it's typically cheaper 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 plan helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in case of something such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim if you need a new washing machine or stove, unless the damage is a result of a natural disaster, which isn't that common in Centerville.
Homebuyers, real estate agents, home sellers, homeowners, and landlords are all eligible for 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 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 want to save some money.
Home warranty plans typically last a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
Typically, the person who owns the home pays for the home warranty. In some cases, though, the person who is selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Centerville is $209,605, a home warranty can save you some money when buying a home.
