Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
The cost of maintaining a home in Chubbuck can be costly, particularly as your home ages and your appliances and systems have to be repaired or replaced. A home warranty can give you the peace of mind you need and guard your savings account from unexpected expenses by covering your home’s major appliances and systems.
Finding the best protection for your home can be difficult, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Chubbuck. Keep reading for our home warranty recommendations.
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 for Chubbuck residents. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to around $3,000 for each covered system or appliance.
For more information on this provider, read our detailed review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or call 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
Choice Home Warranty offers the best overall home warranty for Chubbuck residents. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 for each covered system or appliance.
For more information on this provider, read our detailed review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or call 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
Select Home Warranty offers the most cost-effective home warranty for Chubbuck residents. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage limits come out to around $2,000 for each covered system or appliance.
For more information on this provider, read our detailed review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or call 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
American Home Shield offers the most customizable home warranty for Chubbuck residents. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 for each covered system or appliance.
For more information on this provider, read our detailed review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or call 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
First American Home Warranty offers the best home warranty for appliance coverage for Chubbuck residents. The 2 plans that First American offers include differing levels of system and appliance coverage, as well as add-on options. 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage limits come out to around $1,500 for each covered system or appliance.
For more information on this provider, read our detailed review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or call 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Chubbuck residents. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 for each covered system or appliance.
For more information on this provider, read our detailed review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or call 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
The Home Service Club offers the best home warranty with the quickest service for Chubbuck residents. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 for each covered system or appliance.
For more information on this provider, read our detailed review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or call 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 | $5,683 |
| Heating | $3,789 |
| Electrical | $568 |
| Toilets | $474 |
| Washer/Dryer | $758 |
| Plumbing | $568 |
| Oven | $1,515 |
| Fridge | $568 |
A home warranty is a protection policy that assists Chubbuck homeowners lower the costs of appliance and system repairs. The plans offer coverage to fix or swap out appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement exceeds the item's coverage limit. A home warranty policy gives homeowners a sense of security since it can help avoid expensive emergency repairs. They can be especially helpful for buyers of 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 safeguard your home systems and appliances. Common appliances covered under a home warranty include dryers, microwaves, refrigerators, garbage disposals, washers, dishwashers, and more. Covered systems include air conditioning, heating, electrical, and plumbing. Many home warranty plans also offer add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. It's important for Chubbuck homeowners to know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, natural disasters, pre-existing conditions, or damage caused by improperly using a system or appliance. You need to keep up with preventative maintenance to help 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:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans provide coverage for plumbing, heating, electrical, AC, and appliances. More comprehensive options may also cover other things such as well pumps, spas, pools, and roof leaks. Look for a company that offers comprehensive coverage choices, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a company with more affordable fees to maximize savings on every claim. Some companies also do away with deductibles when customers have a claim-free period.
A home warranty company's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Look at review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about providers. Good reviews and ratings suggest a company known for quality service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Reach out to potential businesses to ask how many repair professionals they have in Chubbuck and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks increase the chance of getting qualified contractors to promptly service your home.
Some home warranty plans include bonuses such as maintenance discounts, energy efficiency upgrades, and smart home device protection. These perks can add value beyond just repair coverage. Added bonuses can maximize the usefulness of the home warranty.
Since temperatures in Chubbuck can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Buying a home warranty can help homeowners save money if one of these systems or appliances stops working all of a sudden.
Not only does a home warranty give you some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a technician 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 benefit of having a home warranty is when you’re selling your home, you can most likely transfer your home warranty plan to the new owners. This can make your home more attractive to potential homebuyers and help your house sell faster.
One disadvantage of getting a home warranty is that there are often exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it’s important to read through the contracts you’re considering carefully to get a sense of what is included and what isn’t.
Another drawback is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your house floods, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty in Chubbuck can cost between $30 and $60 a month. Higher-priced plans tend to have higher coverage limits, a lower service fee, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also reduce your up-front costs when you agree to 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 protects against normal wear and tear to home systems and appliances. Homeowners insurance protects a home in case of a situation such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim should you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which isn't that common in Chubbuck.
A home warranty policy can help home sellers, investors, homebuyers, real estate agents, and homeowners. It can provide peace of mind and savings to anyone involved in homeownership.
A home warranty policy can cover your appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you want to save some money.
Home warranty plans typically provide coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.
Usually the homeowner pays for the home warranty. In some cases, however, the one selling the home may purchase a home warranty plan 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 Chubbuck is $368,098, a home warranty can save you some money when buying a home.
