Written By Todays Homeowner Local Pros
Last Updated June 2023
If you're considering getting a home warranty, our guide on the top providers in Payette can help. Although homeownership in Payette has a great number of perks — such as being surrounded by nature — there are also downsides, similar to owning a house anywhere else. One major headache many homeowners have to deal with inevitably is updating or repairing their appliances and home systems.
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. Finding the best home warranty on the market can be quite difficult because there are lots of companies to choose from. That's why the Today's Homeowner team did the research and compiled a list of the best home warranty companies in Payette for you.
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 Payette, Choice Home Warranty is the best overall home warranty. Choice has been in business for more than 15 years, making it a highly regarded company in the industry. The 2 plans that Choice offers include options for appliance and system coverage. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a combination of system and appliance coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Payette area.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty Review.
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 Payette, Select Home Warranty offers the most cost-effective home warranty. Select is a home warranty company with 11 years of experience in the industry, and it has proved to be one of the best providers in the business. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It 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. Select's service fees are a reasonable $60, and the coverage caps come out to around $2,000 per covered system or appliance.
For a more detailed breakdown, read our comprehensive 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
American Home Shield is the most customizable home warranty for Payette residents. AHS has more than 26 years of experience in the home warranty sector, and has provided exceptional 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. AHS offers 3 plans for homeowners to choose from.
American Home Shield offers 3 plans for Payette homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with AHS's plans are around the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
Read our American Home Shield full review to learn more. To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
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 Payette. 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 that have various system and appliance coverage options.
The Home Service Club has 2 plans that offer a combination of appliance and system coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $65 to $90.
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
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Payette. Liberty has more than 6 years of experience in the industry and in that time has built a an network of service professionals in the country. 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. Liberty has 3 simple plans, making the selection process quick and easy.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $75.
For a more detailed breakdown, read our detailed review of Liberty Home Guard. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Total Home Guard
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 Payette. The 2 plans from First American are easy to comprehend and offer a mix of both system and appliance coverage. When you purchase a home warranty 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.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also around $1,500 at the maximum.
Read more by visiting our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
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 Payette residents. Cinch has 3 simple plans, making the selection process quick and easy. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners 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 generally about $1,000-$2,000.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For a more detailed breakdown, read our Cinch Home Services Review.
Built-in Systems Plan
Complete Home 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|
A home warranty is a protection plan that covers home systems and appliances. When your washer or dryer breaks down, and the repair costs several hundred dollars, a home warranty will ensure that you're only responsible for a predetermined service fee. Home warranty companies usually don't require an inspection, and you can generally start using it about 30 days after making your first payment.
When you have a problem with one of your appliances or systems, you can submit a claim with your home warranty company. Then, a customer service representative will contact you about a contractor coming over to look at the issue.
At this point, you'll pay your service fee, which is typically between $60 and $150, depending on what plan you select. Once the service fee is paid, a repair person will come to your home, assess the issue, and repair it. If the repair is covered under the warranty and it's within the coverage cap, most homeowners will not have any other out-of-pocket costs apart from the service fee.
A home warranty in Payette provides coverage for the main systems and appliances in a house. The appliances commonly covered under a home warranty plan are the refrigerator, oven, washing machine, dryer, dishwasher, microwave, and more. System coverage typically includes plumbing, electrical systems, air conditioning, heating, and more.
The add-on coverages can include roof leak, spa, pool, septic system, and sometimes even things like locksmith or pest control.
A home warranty will only protect against normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, intentional breakages, pre-existing conditions, and natural disasters are not covered with a home warranty.
Home warranty policies are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Payette reaching an average high of 64℃F, you may find that some appliances, like your air conditioner, get a lot of use. A home warranty can remarkably bring down out-of-pocket costs should your HVAC system stop working.
In addition, though home warranty companies vary, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your house more attractive to potential homebuyers and maybe even make your home sell faster.
Home warranties also have some cons. Although it can give you less to worry about since the home warranty sends out a service technician who takes care of the repair for you, some may not like this, and they may want to select a contractor themselves. If that's the case for you, some home warranty providers let you select a contractor.
Another drawback is that home warranties may exclude some repairs, like those needed because of natural disasters. For example, if your house floods, the impacted systems and appliances most likely won't be covered by the home warranty.
After looking into the basics of home warranties in Payette, the next step is to figure out which company you're interested in getting a free quote from. Options can vary, so take into consideration the following factors when choosing a home warranty policy:
Our pick for the best overall home warranty company in Payette is Choice Home Warranty, but the perfect company for you will depend on factors such as what appliances and systems you need coverage for.
A home warranty is a kind of service contract that covers the repairs and replacements of major home systems and appliances.
Home warranties cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different plan that protects the entire home from natural disasters, which might not be too much of a concern in Payette. It doesn't cover a normal appliance or system breakage.
Home warranties cover the cost of repairs and replacements as long as it is within the policy limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay the rest out of pocket.
A home warranty in Payette can cost anywhere from $40 to $80 a month. The higher-priced plans usually have a lower service fee, higher coverage limits, and more coverage.
The systems and appliances in a home are covered under a home warranty plan in Payette. Everything from a microwave to a pool can be covered under a home warranty depending on the plan.