Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Find the best home warranty for your home. There are many benefits of owning a home, but as your Capital home ages, you may need to update your appliances and systems.
A home warranty can give you the peace of mind you need about your home and guard your bank account from large expenses by covering your home's major systems and appliances. Because the home warranty market is filled with a variety of providers — all with different offerings — our team at Today's Homeowner decided to do the research for you to help you find the best home warranty in Capital.
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 Capital, Choice Home Warranty offers the best overall home warranty. The 2 plans that Choice offers include options for appliance and system coverage. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage caps come out to about $3,000 for each covered appliance or system.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit 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
Select Home Warranty is the most cost-effective home warranty for Capital residents. Select has more than 11 years of experience in the home warranty market and in that time has built a a skilled network of service professionals in the country. 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. Select has 3 plans for homeowners to decide between.
Select Home Warranty has 3 plans that provide a combination of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also generally about $2,000.
For a more detailed breakdown, read our Select Home Warranty Review. To get 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 offers the most customizable home warranty for Capital residents. AHS has been on the market for more than 26 years, making it a well-regarded company in the industry. The 3 plans from AHS are easy to comprehend and offer both system and appliance coverage. When you buy a plan 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 for each covered system or appliance.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our American Home Shield Review to learn more.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Capital residents. HSC is a home warranty provider with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. 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 policies that HSC offers include options for appliance and system coverage.
The Home Service Club has 2 plans that offer a mix of appliance and system coverage. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 per covered appliance or system.
To read more, visit our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
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
In Capital, Liberty Home Guard is the most trustworthy home warranty. The 3 plans that Liberty offers include options for appliance and system coverage. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our review of Liberty Home Guard to learn more.
Appliance Guard
Systems Guard
Total Home Guard
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 Capital, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for about 44 years. The 3 plans from Cinch are comprehensive and offer a mix of both system and appliance coverage. When you purchase a plan 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.
The plans that Cinch offers to homeowners are 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 caps come out to about $1,000-$2,000 per covered system or appliance.
For a more detailed breakdown, read our review of Cinch Home Services. To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
Appliances Plan
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 |
|---|---|
| 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 service contract that covers the cost of repairing or replacing major home systems and appliances when they break over time due to normal wear and tear. Having a home warranty in place can provide some peace of mind and prevent you from paying big out-of-pocket costs. Most home warranty plans take effect about 30 days after buying the home warranty policy.
When you notice a problem with one of your appliances or systems, you can file a claim with your home warranty company. Then, a customer service representative will reach out to you about a contractor coming over to look at the issue.
After that, you will pay the service fee. Service fees for home warranty customers range in price from $60 to $150. Most home warranties also have a coverage cap, which is the maximum amount per year that the home warranty plan will cover for repairs and replacements.
A home warranty plan offers coverage on your home's major appliances and systems and it can help bring down the cost of maintenance on your home. Common appliances covered under a home warranty plan include a washer, garbage disposal, refrigerator, dryer, dishwasher, microwave, and more. The systems that are usually covered will be air conditioning, plumbing, heating, and electrical systems.
Many plans also offer add-on coverage options for roof leaks, central vacuums, septic systems, and even locksmiths.
An important thing to consider is that home warranties only cover normal wear and tear on your home systems and appliances. Things such as lack of maintenance, cosmetic damages, misuse, and pre-existing conditions are excluded from the home warranty policy.
Capital's relatively mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty is designed to cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the needed repairs, saving you from spending unexpected money out of pocket.
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.
One main drawback of home warranties is not everything you care about may be covered. It's important to research the different policies and purchase one that covers all the appliances, systems, and add-ons you need.
Another possible pain point of home warranties is that they don't cover items that haven't been properly maintained. This can lead to your claims being denied, so it's important to be sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Selecting the right home warranty in Capital for you and your family comes down to the kind of coverage you need, the home warranty company you opt for, and where you live, among other factors. Before deciding which home warranty to purchase, here are a few additional factors to keep in mind:
Our pick for the best overall home warranty company in Capital is Choice Home Warranty, but the best company for you will depend on factors such as what appliances and systems you need coverage for.
A home warranty plan protects against the normal wear and tear of home systems and appliances. Homeowners insurance protects your home in a situation like a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim should you need a new washing machine or oven, unless the damage is due to a natural disaster, which are somewhat common in Capital.
A home warranty plan will cover either the home appliances and systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a systems or appliance plan can be useful too if you're concerned about one more than the other.
A home warranty plan can protect you from expensive repair bills, but only if you purchase a good quality plan from a trustworthy company. When picking a home warranty company to go with, you should evaluate things like its customer service and availability in your area. In addition, you should consider the kind of coverage the company offers and what kinds of appliances and systems are protected. Homes that have appliances and systems on the older end may need a policy with more coverage.
Home warranties will cover the cost of repairs and replacements if it is within the coverage limits of the plan. If the replacement costs more than the home warranty covers, you will have to pay the rest out of pocket.
A Capital home warranty can cost anywhere from $40 to $80 a month. The higher-priced plans usually have higher coverage limits, more coverage, and a lower service fee.
Home warranties usually don't cover issues that result because of intentional breaking of an appliance, pre-existing conditions, natural disasters, or lack of proper maintenance. They only cover damage due to normal wear and tear. Even though it doesn't cover all kinds of damage, a home warranty can still be useful to help you save some money in a city like Capital.
