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Last Updated: February 25, 2025
Central gives homeowners some great neighborhoods and the opportunity to enjoy all four seasons. However, temperatures can do a number on your home’s systems, such as your HVAC. A home warranty is a way to protect your budget from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Finding the best protection for your home can be challenging, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Central. Read on for our 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 in Central. 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 home warranty plans that Liberty offers include options for appliance and system coverage.
The plans that Liberty offers to homeowners 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.
Read our comprehensive review of Liberty Home Guard to learn more. To get a free quote from Liberty Home Guard, you can 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 in Central. 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. The 2 home warranty plans that Choice offers include options for appliance and system coverage.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
Read our comprehensive review of Choice Home Warranty to learn more. To get a free quote from Choice Home Warranty, you can 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 in Central. 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. The 3 home warranty plans that Select offers include options for appliance and system coverage.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
Read our comprehensive review of Select Home Warranty to learn more. To get a free quote from Select Home Warranty, you can 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 in Central. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 home warranty plans that AHS offers include options for appliance and system coverage.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
Read our comprehensive review of American Home Shield to learn more. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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 offers the home warranty with the best workmanship guarantee in Central. 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 3 home warranty plans that Cinch offers include options for appliance and system coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
Read our comprehensive review of Cinch Home Services to learn more. To get 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
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 Central. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. 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 home warranty plans that HSC offers include options for appliance and system coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
Read our comprehensive review of The Home Service Club to learn more. To get a free quote from The Home Service Club, you can 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 | $5,558 |
| Heating | $3,705 |
| Electrical | $556 |
| Toilets | $463 |
| Washer/Dryer | $741 |
| Plumbing | $556 |
| Oven | $1,482 |
| Fridge | $556 |
A home warranty is a protection policy that assists Central homeowners cut the costs of appliance and system repairs. The plans provide financial coverage to repair or swap out appliances and systems that stop working due to normal wear and tear. When something breaks down, you file 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 repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent expensive emergency repairs. Home warranties are particularly useful for older construction homes with aging systems. New homes with up-to-date appliances might not need a home warranty.
Home warranties safeguard your home systems and appliances. Common covered appliances include microwaves, dishwashers, refrigerators, garbage disposals, dryers, washers, and more. Covered systems include heating, air conditioning, plumbing, and electrical. Many home warranties also offer add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. It's important for Central homeowners to understand most home warranty plans have a waiting period of 30 days before repair claims will be approved. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Here are some key home warranty terms to learn before signing a contract:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranties vary widely in terms of included coverage. Basic policies typically cover electrical, plumbing, AC, heating, and appliances, while more comprehensive options may also cover pools, spas, well pumps, and roof leaks. Look for companies with a diverse range of coverage options, including upgraded plans. This allows you to tailor protection to your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies 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 provider's rating gives you insight into things such as claim approval rates, timeliness of repairs, contractor quality, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Favorable reviews and ratings indicate a provider known for stellar 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 technicians they have in Central and get an idea of how quickly your repairs could be handled in an emergency. Wider networks improve the likelihood of getting qualified contractors to swiftly service your home.
Certain home warranty providers include extras such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These bonuses can provide extra value beyond repair coverage. Added perks help improve your home and maximize your home warranty.
Home warranty policies are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Central reaching an average high of 64℃F, you may find that some appliances, like your air conditioning unit, get a lot of use. A home warranty can remarkably decrease out-of-pocket expenses should your HVAC system stop working.
On top of saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the headache of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair issues you may come across. A home warranty can also offer value in other ways. For example, some policies can be transferred to another owner during a home sale.
One downside of signing up for a home warranty is that there are often exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it’s important to read through any contracts you’re considering thoroughly to get a sense of what is included and what isn’t.
Another possible pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your claims being rejected, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Central can cost between $30 and $60 a month. The higher-priced plans usually have broader coverage, a lower service fee, and higher coverage limits. This cost is often lower if you pay annually instead of monthly. Some providers will also lower your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty protects against normal wear and tear to home systems and appliances. A homeowners insurance plan protects your home in a situation such as a natural disaster or fire. With a homeowners insurance plan, you won't be able to file a claim should you need a new dryer or stove, unless the damage is due to a natural disaster, which isn't that common in Central.
First-time homebuyers, landlords, homeowners, home sellers, and real estate agents 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.
The different home warranties in Central include plans that cover either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, including your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the specific items listed in the policy.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
In general, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who will pay the service fees. In Central, where the median value of a home is $124,759, having the seller pay for the home warranty can be a good asset for your new home.
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