Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Our editorial team is committed to creating independent and objective content focused on helping our readers make informed decisions. To help support these efforts we receive compensation from companies that advertise with us.
The compensation we receive from these companies may impact how and where products appear on this site. This compensation does not influence the recommendations or advice our editorial team provides within our content. We do not include all companies, products or offers that may be available.
Last Updated: February 25, 2025
With a variety of seasons in Capital, your home systems can experience quite a bit of wear and tear. There’s nothing worse than having your air conditioning go out in the middle of summer. A home warranty can give you the peace of mind you need and safeguard your savings account from large expenses by covering your home’s major appliances and systems.
Choosing the best home warranty on the market can be challenging because of the many options available. If you're tired of trying to compare them all, keep reading for our guide to the best home warranty providers in Capital.
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 is the most trustworthy home warranty for Capital residents. Liberty is a home warranty provider with 6 years of experience in the industry, and it has become one of the best providers in the business. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans that Liberty offers include options for appliance and system coverage.
Liberty Home Guard has 3 plans that offer a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit 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 is the best overall home warranty for Capital residents. Choice is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans that Choice offers include options for appliance and system coverage.
Choice Home Warranty has 2 plans that offer a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit 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 is the most cost-effective home warranty for Capital residents. Select is a home warranty provider with 11 years of experience in the industry, and it has become one of the best providers in the business. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you’ll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans that Select offers include options for appliance and system coverage.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit 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 is the most customizable home warranty for Capital residents. AHS is a home warranty provider with 26 years of experience in the industry, and it has become one of the best providers in the business. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans that AHS offers include options for appliance and system coverage.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our American Home Shield Review.
ShieldSilver
ShieldGold
ShieldPlatinum
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 is the home warranty with the best workmanship guarantee for Capital residents. Cinch is a home warranty provider with 44 years of experience in the industry, and it has become one of the best providers in the business. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans that Cinch offers include options for appliance and system coverage.
Cinch Home Services has 3 plans that offer a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit 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 is the best home warranty with the quickest service for Capital residents. HSC is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. 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 2 plans that HSC offers include options for appliance and system coverage.
The Home Service Club has 2 plans that offer a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit 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 | $5,923 |
| Heating | $3,949 |
| Electrical | $592 |
| Toilets | $494 |
| Washer/Dryer | $790 |
| Plumbing | $592 |
| Oven | $1,580 |
| Fridge | $592 |
A home warranty is a protection plan that helps Capital homeowners cut the high costs of household repairs. These plans provide financial protection to fix or replace appliances and systems that stop working from normal wear and tear. Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges 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 plan gives homeowners peace of mind 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 appliances and fixtures in good condition may not need a home warranty.
Home warranties protect your household systems and appliances. Common covered appliances are washers, refrigerators, microwaves, dryers, garbage disposals, dishwashers, and others. Protected systems include heating, electrical, air conditioning, and plumbing. Many home warranty plans offer additional coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Most home warranty plans require Capital 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 resulting from normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Before agreeing to a home warranty contract, you should understand key terms like:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty coverage varies, although most plans cover electrical, plumbing, AC, heating, and appliances. More inclusive plans may also include extra things such as well pumps, pools, spas, and roof leaks. Focus on companies with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize protection for your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles after periods where a customer files no claims.
A home warranty company's track record gives you insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Positive ratings and reviews indicate a company known for stellar service.
Home warranty providers keep networks of local technicians to handle repairs in your area. Contact potential providers to ask how many repair professionals they have in Capital and get an idea for how fast your repairs might happen in an emergency situation. Bigger networks improve the probability of getting qualified contractors to swiftly service your home.
Some home warranty companies include bonuses such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These add value beyond repair coverage. Extra bonuses maximize the usefulness of your home warranty.
Home warranty plans are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Capital hitting an average high of 63℃F, you may find that certain appliances, such as your air conditioner, get a lot of use. A home warranty can considerably bring down out-of-pocket expenses should your HVAC system stop working.
Not only can a home warranty offer some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a repair person and schedule a repair. A home warranty deals with the research by sending trusted professionals to your door when you need them most. Another good thing about having a home warranty is while selling your home, some providers let you transfer your home warranty to the new owners. This can make your home more attractive to potential homebuyers and may help your home sell faster.
As for the drawbacks of home warranties, home system and appliance coverage varies by provider, so it’s important to review what each plan covers and excludes in the contract.
Additionally, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty plan costs, on average, around $300 to $600 a year in Capital. Our top-rated home warranty providers' 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 covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects your entire home in case of something such as a fire or natural disaster. Under homeowners insurance, you will not be able to file a claim should you need a new refrigerator or dishwasher, unless the damage is due to a natural disaster, which is somewhat common in Capital.
Homebuyers, real estate agents, home sellers, landlords, and homeowners 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 policy will cover your appliances, systems, or both. Combination plans are great if you'd like 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 typically offer coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month plans as well.
Typically, the homeowner pays for the home warranty. In some cases, however, the person who is selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Capital is $168,275, a home warranty can save you some money when buying a home.
