Written By David Cusick
Last Updated February 2024
Buying a home is a big step for many, but maintaining it can be expensive over time, especially if your home in Greenwood is on the older side. A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
The home warranty market is filled with many providers — all with different offerings — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Greenwood.
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 in Greenwood. Liberty has around 6 years of experience in the home warranty industry and in that time has built a an network of service professionals nationwide. The 3 home warranty plans that Liberty offers include options for appliance and system coverage. 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 from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000 at the maximum.
For a more detailed breakdown, read our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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 is the best overall home warranty in Greenwood. Choice has around 15 years of experience in the home warranty industry and in that time has built a an network of service professionals nationwide. The 2 home warranty plans that Choice offers include options for appliance and system coverage. 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 from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000 at the maximum.
For a more detailed breakdown, read our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 is the most cost-effective home warranty in Greenwood. Select has around 11 years of experience in the home warranty industry and in that time has built a an network of service professionals nationwide. The 3 home warranty plans that Select offers include options for appliance and system coverage. 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 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 around $2,000 at the maximum.
For a more detailed breakdown, read our 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 in Greenwood. AHS has around 26 years of experience in the home warranty industry and in that time has built a an network of service professionals nationwide. The 3 home warranty plans that AHS offers include options for appliance and system coverage. 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 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.
For a more detailed breakdown, read our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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 is the home warranty with the best workmanship guarantee in Greenwood. Cinch has around 44 years of experience in the home warranty industry and in that time has built a an network of service professionals nationwide. The 3 home warranty plans that Cinch offers include options for appliance and system coverage. 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 from Cinch Home Services 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 around $1,000-$2,000 at the maximum.
For a more detailed breakdown, read our review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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 is the best home warranty with the quickest service in Greenwood. HSC has around 15 years of experience in the home warranty industry and in that time has built a an network of service professionals nationwide. The 2 home warranty plans that HSC offers include options for appliance and system coverage. 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 from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000 at the maximum.
For a more detailed breakdown, read our review of The Home Service Club. To receive 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
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 | $6,109 |
Heating | $4,072 |
Electrical | $611 |
Toilets | $509 |
Washer/Dryer | $814 |
Plumbing | $611 |
Oven | $1,629 |
Fridge | $611 |
A home warranty is a protection plan that helps Greenwood homeowners cut the costs of appliance and system repairs. The plans offer financial coverage to fix or replace appliances and systems that break down 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 provides peace of mind for homeowners by helping them prevent expensive emergency fixes. They're particularly useful for those who own older homes or ones with outdated systems. More modern homes with working appliances probably don’t require a home warranty.
Home warranties cover your home systems and appliances. Covered appliances typically include dryers, garbage disposals, dishwashers, microwaves, washers, refrigerators, and others. Covered systems include electrical, air conditioning, heating, and plumbing. Many home warranty companies also offer add-on coverage for septic systems, central vacuums, roof leaks, and locksmiths. Greenwood should understand that most home warranty plans have a waiting period of 30 days before repairs are covered. 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 misuse of a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Here are some key home warranty words to know before signing a contract:
There are several key considerations when choosing a home warranty provider:
Home warranty policies can have major differences in covered items. Most plans provide protection for heating, plumbing, electrical, AC, and appliances. More comprehensive options also extend protection to other items such as roof leaks, pools, spas, and well pumps. Focus on companies with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize protection for your home's needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty company's reputation provides insight into things such as approval rates, repair timeliness, contractor quality, and customer service. Check review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Good ratings and feedback indicate a company known for exceptional service.
Home warranty providers keep networks of technicians to handle covered repairs. Wider networks raise the likelihood of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Greenwood to get a sense of how quickly your repairs could happen in an emergency.
Some home warranty companies include bonuses such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These perks add value beyond just repair coverage. Added bonuses can maximize the usefulness of your home warranty.
Since temperatures in Greenwood can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Having a home warranty plan can help homeowners save money if one of these systems or appliances stops working suddenly.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of having to vet contractors on your own, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. Another good thing about having a home warranty is while selling your home, you can most likely transfer your home warranty plan to the new owners. It can make your home more attractive to potential homebuyers and may help your house sell faster.
As for the disadvantages of home warranties, coverage varies by company, so it’s important to understand what each policy 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 besides normal wear and tear — the home warranty may not cover it.
A home warranty in Greenwood can cost between $30 and $60 a month. Higher-priced plans usually have higher coverage limits, broader coverage, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some companies will also reduce your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects your entire home from natural disasters, which might not be too much of a concern in Greenwood. It doesn't cover a typical appliance or system damage.
A home warranty plan can help home sellers, homebuyers, homeowners, real estate agents, and investors. It can offer peace of mind and savings to anyone involved with homeownership.
The different types of home warranties in Greenwood include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your systems and appliances, such as your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the items mentioned in the contract.
Generally, a home warranty plan lasts for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Typically, the homeowner is the one who is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Greenwood, where the median value of a home is $346,414, having the seller pay for the home warranty can save you some money on your new home.