Written By David Cusick
Last Updated February 2024
There are many benefits of owning a home, but as your Sterling home ages, you may find yourself needing to update or repair your systems and appliances. A home warranty can give you the peace of mind you need and safeguard your bank account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be difficult because of the numerous options available. If you're frustrated with trying to compare them all, keep reading for our guide on the best home warranty providers in Sterling.
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
In Sterling, Liberty Home Guard is the most trustworthy home warranty. Liberty is a home warranty company with 6 years of experience in the industry, and it has established itself as one of the best providers in the business. Liberty has 3 plans for homeowners to decide between. 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. Service fees from Liberty are an affordable $75. The coverage caps are also typically around $3,000.
Read more by visiting our Liberty Home Guard full review. To get 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
In Sterling, Choice Home Warranty is the best overall home warranty. Choice is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. Choice has 2 plans for homeowners to decide between. 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.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000.
Read more by visiting our Choice Home Warranty full review. To get 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
In Sterling, Select Home Warranty is the most cost-effective home warranty. Select is a home warranty company with 11 years of experience in the industry, and it has established itself as one of the best providers in the business. Select has 3 plans for homeowners to decide between. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000.
Read more by visiting our Select Home Warranty full 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
In Sterling, American Home Shield is the most customizable home warranty. AHS is a home warranty company with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. AHS has 3 plans for homeowners to decide between. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it 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. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500.
Read more by visiting our American Home Shield full review. To get 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
In Sterling, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch is a home warranty company with 44 years of experience in the industry, and it has established itself as one of the best providers in the business. Cinch has 3 plans for homeowners to decide between. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it 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. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically around $1,000-$2,000.
Read more by visiting our Cinch Home Services full review. To get 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
In Sterling, The Home Service Club is the best home warranty with the quickest service. HSC is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. HSC has 2 plans for homeowners to decide between. 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 plans that HSC offers to homeowners 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 typically around $2,000.
Read more by visiting our The Home Service Club full review. 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
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 | $5,584 |
Heating | $3,722 |
Electrical | $558 |
Toilets | $465 |
Washer/Dryer | $744 |
Plumbing | $558 |
Oven | $1,489 |
Fridge | $558 |
A home warranty is a protection plan that assists Sterling homeowners reduce the expenses of appliance and system repairs. The plans offer financial coverage to fix or replace 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 company then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are especially useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances may not require a home warranty.
Home warranties help protect both your home systems and appliances. Common appliances covered under a home warranty include microwaves, refrigerators, garbage disposals, dishwashers, dryers, washers, and others. Covered systems include plumbing, air conditioning, electrical, and heating. Many home warranty plans also offer add-on coverage options for septic systems, central vacuums, locksmiths, and even roof leaks. Sterling homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should learn key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage differs significantly when it comes to what's covered. Most plans cover heating, AC, electrical, plumbing, and appliances. More comprehensive plans also cover other items such as well pumps, roof leaks, spas, and pools. Focus on companies with broad coverage options including upgraded plans. Flexibility like this will help you customize your plan to meet your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a provider with lower service fees to maximize savings on every claim. Some providers also do away with deductibles for homeowners who don't file claims in a certain period.
A home warranty company's reputation can offer insight into things such as approval rates for claims, speed of repairs, contractor quality, and customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Positive ratings and reviews indicate that a company is known for quality service.
Home warranty companies have networks of professionals that they use to tackle covered repairs. More extensive networks improve the chance of getting skilled contractors to your home promptly. Reach out to possible providers to ask how many technicians they have in Sterling. This helps you understand how long repairs might take in an urgent situation.
Certain home warranty providers include perks such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These bonuses can provide extra value beyond repair coverage. Extra perks enhance your home and help maximize your home warranty.
Home warranty policies are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Sterling reaching an average high of 59℃F, you may find that certain appliances, like your air conditioning system, get a lot of use. A home warranty can remarkably bring down out-of-pocket costs should your HVAC system break down.
As well as saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the headache of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair issues you may experience. A home warranty can also offer value in other ways. For example, some policies can be transferred between owners when you sell your home.
Home warranties also have some downsides. Although it can be convenient that the home warranty sends out a repair technician who carries out the repair for you, some may not like this, and they would prefer to select their own contractor. If that’s the case for you, some home warranty companies allow you to choose a contractor.
Another stipulation is that home warranties typically only cover repairs needed due to normal wear and tear. They often won’t cover systems or appliances that have been damaged due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty in Sterling can cost anywhere from $30 to $60 a month. Higher-priced plans typically have a lower service fee, broader coverage, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some providers will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover issues with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger plan that protects an entire home from natural disasters, which can sometimes be a concern in Sterling. It doesn't cover a typical appliance or system breakage.
First-time homebuyers, landlords, real estate agents, home sellers, and homeowners are all eligible for home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
The different home warranties in Sterling include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your systems and appliances, including your dishwasher, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the specific items mentioned in the policy.
Home warranty plans generally provide coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
Usually the one who owns the home is responsible for paying for the home warranty. In some cases, though, the one selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Sterling is $121,981, a home warranty can save you some money when buying a home.