Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Make the most of your home warranty with these top home warranty providers in Columbia. Columbia gives homeowners some great neighborhoods and the opportunity to enjoy the seasons. However, the variable temperatures can put quite a strain on your home's systems, such as your HVAC.
A home warranty in Columbia can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear. Because the home warranty market is filled with many providers — all with different plans — the Today's Homeowner team did the research for you to help you find the right home warranty in Columbia.
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 Columbia residents. Choice has been operating for more than 15 years, making it a well-respected company in the industry. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for homeowners to choose from.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice 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 provider. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For more information on this provider, read our Choice Home Warranty full 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 offers the most cost-effective home warranty for Columbia residents. Select has about 11 years of experience in the home warranty industry and in that time has built a an expansive network of service technicians nationwide. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. 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 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000 at the maximum.
Read more by visiting our Select Home Warranty Review. 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
In Columbia, American Home Shield offers the most customizable home warranty. AHS has over 26 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. AHS has 3 plans for homeowners to choose from. When you purchase a home warranty 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 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500 at the maximum.
Read more by visiting our American Home Shield Review. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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 in Columbia. HSC has more than 15 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, 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 options for appliance and system coverage.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are around the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive 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 review of The Home Service Club.
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 Columbia. Liberty is a home warranty company with 6 years of experience in the industry, and it has become one of the best providers in the business. The 3 home warranty plans that Liberty offers include options for appliance and system coverage. 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.
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 around the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For a more detailed breakdown, read our thorough review of Liberty Home Guard.
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
Cinch Home Services is the home warranty with the best workmanship guarantee for Columbia residents. Cinch has more than 44 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the plan for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage.
There are 3 home warranty plans from Cinch Home Services: 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 receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting our detailed review of Cinch Home Services.
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 | $5,979 |
| Heating | $3,986 |
| Electrical | $598 |
| Toilets | $498 |
| Washer/Dryer | $797 |
| Plumbing | $598 |
| Oven | $1,594 |
| Fridge | $598 |
A home warranty is a money savings plan that helps homeowners manage the high costs of appliance and systems repairs. Home warranties will cover a number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty can make it easier to budget and manage your finances. A home warranty plan typically has a 30-day waiting period from the time you purchase to when you can file your first claim.
Filing a claim with your home warranty company is quite simple. You can utilize an online portal system or a direct phone number to request service for a repair or replacement.
After that, you will pay the service fee. Service fees for home warranties range in price from $60 to $150. Most home warranty plans also have a coverage cap, which is the maximum cost per year or appliance that the home warranty will cover for repairs and replacements.
A home warranty offers coverage on your home's major appliances and systems and it can help bring down the cost of maintenance on your home. The appliances that are usually covered under a home warranty plan include a refrigerator, clothes washer, dishwasher, garbage disposal, clothes dryer, microwave, and more. The systems included are air conditioning, electrical systems, ductwork, and plumbing.
The add-on coverage options can include pool, roof leak, spa, septic system, and sometimes even things like locksmith or pest control.
A home warranty will only cover normal wear and tear on your home systems and appliances. Things like misuse, lack of maintenance, cosmetic damages, and pre-existing conditions are excluded from the home warranty policy.
Since temperatures in Columbia can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Getting a home warranty policy can help homeowners save money if one of these systems or appliances breaks suddenly.
Additionally, having a Columbia home warranty can make your house more appealing to potential homebuyers should you ever decide to sell in the future. Many home warranty companies will allow you to transfer your plan to a new owner and give them the same protection you've been benefiting from.
One of the major drawbacks of home warranties is not every home system and appliance 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 stipulation is that home warranties usually only cover damage from normal wear and tear. They most likely won't cover systems or appliances that have been damaged due to animal infestations, improper maintenance, natural disasters, etc.
The first step in protecting your home with a home warranty is determining which provider's plan is the best for you. Figure out which appliances and systems in your home you need coverage for and compare the policies. Below are some factors to consider when purchasing a home warranty in Columbia:
The best home warranty provider in Columbia is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced repair technicians and a great reputation in the Columbia area.
A home warranty is a type of service contract that provides homeowners extra coverage for their household systems and appliances. These include dryers, refrigerators, dishwashers, washing machines, garbage disposals, sump pumps, heating and cooling systems, electrical systems, water heaters, and plumbing, among others. Some companies also provide coverage for ceiling fans, pools, garage door openers, and roofs. A home warranty can help you save money if these appliances and systems break down unexpectedly.
A home warranty covers the normal wear of home systems and appliances. A homeowners insurance plan protects your entire home in case of something such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim if you need a new dryer or oven, unless the damage is a result of a natural disaster, which are somewhat common in Columbia.
The most common home warranties in Columbia are plans that cover either appliances or systems and a combination plan. A combination plan covers many of your systems and appliances, including your washing machine, drier, and HVAC. A plan that only covers appliances or systems will cover the systems or appliances listed in the contract.
Owning a home can be pricey, especially with the cost of living in Columbia getting higher and higher. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty policy, you won't have any costly hits to your savings account.
Home warranties will cover the cost of repairs and replacements as long as it is within the coverage cap of the plan. If the replacement will cost more than the home warranty plan covers, you will have to pay for the rest out of pocket.
Home warranties usually don't cover problems due to natural disasters, pre-existing conditions, intentional breaking of an appliance, or lack of proper maintenance. The policy only covers damage due to normal wear and tear. Although it doesn't cover everything, a home warranty can still be beneficial for helping you save some money in a town like Columbia.
