Written By David Cusick
Last Updated June 2024
Greencastle gives homeowners some great housing options 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 can help protect you by cutting the costs of major repairs and replacements on your home’s most important systems and appliances.
Choosing the best home warranty on the market can be difficult because of the sheer number of options available. If you're frustrated with trying to compare them all, keep reading for our guide on the top home warranty companies in Greencastle.
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 Greencastle. When you buy a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Greencastle area.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read our detailed review of Liberty Home Guard to learn more.
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 Greencastle. When you buy a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Greencastle area.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our detailed review of Choice Home Warranty to learn more.
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 Greencastle. When you buy a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Greencastle area.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our detailed review of Select Home Warranty to learn more.
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 Greencastle. When you buy a policy 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 home warranty company offers 3 plans to policyholders with various options for appliance and system coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Greencastle area.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our detailed review of American Home Shield to learn more.
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 in Greencastle. When you buy a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Greencastle area.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read our detailed review of First American Home Warranty to learn more.
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 in Greencastle. When you buy a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Greencastle area.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our detailed review of Cinch Home Services to learn more.
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 Greencastle. When you buy a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Greencastle area.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our detailed review of The Home Service Club to learn more.
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 | $5,743 |
Heating | $3,829 |
Electrical | $574 |
Toilets | $479 |
Washer/Dryer | $766 |
Plumbing | $574 |
Oven | $1,531 |
Fridge | $574 |
A home warranty is a protection policy that assists Greencastle homeowners lower the high costs of household repairs. These plans provide financial coverage to fix or replace appliances and systems that break down from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent expensive emergency repairs. Home warranties are the most useful for older houses or those with aging systems. New homes with modern appliances might not need a home warranty.
Home warranties safeguard your home systems and appliances. Common appliances covered under a home warranty include garbage disposals, dishwashers, dryers, refrigerators, washers, microwaves, and others. Covered systems include heating, air conditioning, plumbing, and electrical. Many home warranties offer additional add-on coverage options for central vacuums, septic systems, locksmiths, and even roof leaks. Greencastle homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. Additionally, most policies only address repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
There are a number of home warranty terms to learn before signing an agreement, including:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans provide coverage for electrical, heating, AC, plumbing, and appliances. More comprehensive options may also provide protection for additional items such as well pumps, spas, pools, and roof leaks. Focus on providers with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize your plan to meet your needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which is paid per repair request filed. The costs from multiple fees can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty provider's reputation provides insights into factors such as contractor expertise, claim approval rates, repair speed, and customer satisfaction. Look at review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about providers. Positive ratings and feedback suggest a company known for providing quality service.
Home warranty companies keep networks of contractors to handle covered repairs. More extensive 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 Greencastle to get a sense of how quickly your repairs could happen in an emergency.
Some home warranty companies may include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These extras can offer extra value beyond repair coverage. Added bonuses let you enhance your home and get the most from your warranty policy.
Since temperatures in Greencastle can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Purchasing a home warranty can help homeowners save money if one of these systems or appliances breaks down suddenly.
Not only does a home warranty give you some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty takes care of the research by sending trusted professionals to your door when you need them most. Another benefit of having a home warranty is if you want to sell your home, some providers let you transfer your home warranty policy to the new owners. This can make your home more attractive to potential homebuyers and help your home sell faster.
There are also some drawbacks to getting a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Another potential 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 be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty policy costs, on average, around $300 to $600 a year in Greencastle. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in case of something such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim if you need a new dryer or air conditioner, unless the damage is a result of a natural disaster, which isn't that common in Greencastle.
First-time homebuyers, homeowners, real estate agents, landlords, and home sellers are all eligible for home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
The different types of home warranties in Greencastle include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your systems and appliances, such as your dishwasher, washing machine, and HVAC. An appliance or system plan will cover only the items mentioned in the contract.
Home warranty plans generally offer coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month options as well.
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 will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Greencastle, where the median home value is $221,669, having the seller pay for the home warranty can be a good asset for your new home.