Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a home in Beech Grove has tons of great advantages, but there are some negatives. The weather throughout the four seasons can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty can give you the peace of mind you need and safeguard your savings account from large expenses by covering your home’s major systems and appliances.
Finding the best warranty 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 Beech Grove. Keep reading for our home warranty 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 is the most trustworthy home warranty for Beech Grove residents. 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. Liberty has 3 plans for homeowners to decide between.
Liberty Home Guard offers 3 plans for Beech Grove homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. 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.
For a more detailed breakdown, read our comprehensive review of Liberty Home Guard. 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
Choice Home Warranty is the best overall home warranty for Beech Grove residents. 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. Choice has 2 plans for homeowners to decide between.
Choice Home Warranty offers 2 plans for Beech Grove homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. 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.
For a more detailed breakdown, read our comprehensive review of Choice Home Warranty. 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
Select Home Warranty is the most cost-effective home warranty for Beech Grove residents. 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. Select has 3 plans for homeowners to decide between.
Select Home Warranty offers 3 plans for Beech Grove homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. 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.
For a more detailed breakdown, read our comprehensive review of Select Home Warranty. 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 is the most customizable home warranty for Beech Grove residents. 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. AHS has 3 plans for homeowners to decide between.
American Home Shield offers 3 plans for Beech Grove homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. 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.
For a more detailed breakdown, read our comprehensive review of American Home Shield. 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
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage for Beech Grove residents. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. First American has 2 plans for homeowners to decide between.
First American Home Warranty offers 2 plans for Beech Grove homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with First American’s plans are close to the $1,500 mark for most of the major systems and appliances, and service fees are a reasonable $85.
For a more detailed breakdown, read our comprehensive review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
Basic Plan
Premier Plan
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 Beech Grove residents. 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. Cinch has 3 plans for homeowners to decide between.
Cinch Home Services offers 3 plans for Beech Grove homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. 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.
For a more detailed breakdown, read our comprehensive review of Cinch Home Services. 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
The Home Service Club is the best home warranty with the quickest service for Beech Grove residents. 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. HSC has 2 plans for homeowners to decide between.
The Home Service Club offers 2 plans for Beech Grove homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. 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.
For a more detailed breakdown, read our comprehensive 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
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 | $5,939 |
| Heating | $3,960 |
| Electrical | $594 |
| Toilets | $495 |
| Washer/Dryer | $792 |
| Plumbing | $594 |
| Oven | $1,584 |
| Fridge | $594 |
A home warranty is a protection plan that helps Beech Grove homeowners in reducing the costs of appliance and system repairs. The plans provide financial coverage to replace or repair appliances and systems that break down due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty delivers security for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with outdated systems. Newer builds with functional appliances probably don’t require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are refrigerators, dishwashers, washers, microwaves, dryers, garbage disposals, and more. Included systems are usually heating, plumbing, air conditioning, and electrical. Many home warranty companies provide add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. It's important for Beech Grove homeowners to understand most home warranty plans have a 30-day waiting period before repairs are covered. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or improperly using a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to know before signing, such as:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty policies vary widely in what they include. Most plans provide protection for electrical, plumbing, AC, heating, and appliances. More inclusive options also offer protection for other items such as pools, roof leaks, spas, and well pumps. Focus on providers with broad coverage options including upgraded plans. This flexibility enables you to customize protection for your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty provider's rating gives 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 providers. Favorable reviews and ratings indicate a company known for stellar service.
Home warranty companies use networks of local repair technicians to manage repairs in a given area. Reach out to potential providers to learn the number of repair technicians they have in Beech Grove and get an idea of how fast your repairs could be handled in an emergency. Wider networks improve the probability of getting qualified contractors to promptly service your home.
Some home warranty companies provide bonuses such as energy efficiency upgrades, smart home device protection, and maintenance discounts. These perks can add value beyond just repair coverage. Added bonuses maximize the usefulness of your home warranty.
Temperatures in Beech Grove can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a good bit of use. As a homeowner in Beech Grove, one benefit of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
Not only does a home warranty give you some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a repair person and schedule a repair. A home warranty deals with this process by sending trusted professionals to your door when you need them most. Another added benefit of having a home warranty policy is that it can increase your home’s property 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 provider you have your home warranty with.
Home warranties also have some downsides. While it can be convenient that the home warranty sends out a repair person who handles the repair for you, some people may not like this, and they would prefer to select a contractor themselves. If that’s the case for you, some home warranty plans let you choose a contractor.
Another stipulation is that home warranties typically only cover malfunctions due to normal wear and tear. They most likely won’t cover home systems or appliances that have been damaged due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty in Beech Grove can cost between $30 and $60 a month. Higher-priced plans tend to have broader coverage, higher coverage limits, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also decrease your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover problems with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger plan that protects your entire home from natural disasters, which can sometimes be a concern in Beech Grove. It doesn't cover a typical appliance or system repairs.
A home warranty can help home sellers, real estate agents, homebuyers, homeowners, and investors. It can offer peace of mind to anyone involved with homeownership.
The different kinds of home warranties in Beech Grove include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover your home systems and appliances, such as your dishwasher, washing machine, and HVAC. An appliance or system plan will cover only the items mentioned in the plan.
Home warranty plans usually last a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
In general, 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 given to the new homeowner, who will pay the service fees. In Beech Grove, where the median value of a home is $188,168, having the seller pay for the home warranty can be a good asset for your new home.
