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Last Updated: February 25, 2025
Although homeownership in Warsaw has a lot of perks — such as being surrounded by nature — there are also downsides. One major issue many homeowners have to deal with inevitably is updating or repairing their home appliances and systems. A home warranty in Warsaw can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
Choosing the best home warranty on the market can be quite a challenge because of the many options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide on the top home warranty companies in Warsaw.
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 Warsaw, Liberty Home Guard offers the most trustworthy home warranty. When you buy a home warranty 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. Liberty offers 3 plans for homeowners to choose from.
Liberty Home Guard has 3 plans that provide a combination of appliance and system coverage. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Warsaw area.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our full 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
In Warsaw, Choice Home Warranty offers the best overall home warranty. When you buy a home warranty 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. Choice offers 2 plans for homeowners to choose from.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Warsaw area.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our full 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
In Warsaw, Select Home Warranty offers the most cost-effective home warranty. When you buy a home warranty 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. Select offers 3 plans for homeowners to choose from.
Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Warsaw area.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our full 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
In Warsaw, American Home Shield offers the most customizable home warranty. When you buy 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. AHS offers 3 plans for homeowners to choose from.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. The coverage caps 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 Warsaw area.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our full 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
In Warsaw, First American Home Warranty offers the best home warranty for appliance coverage. When you buy a home warranty 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. First American offers 2 plans for homeowners to choose from.
First American Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Warsaw area.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read our full 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
In Warsaw, Cinch Home Services offers the home warranty with the best workmanship guarantee. When you buy a home warranty 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. Cinch offers 3 plans for homeowners to choose from.
Cinch Home Services has 3 plans that provide a combination of appliance and system coverage. The coverage caps 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 Warsaw area.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read our full 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
In Warsaw, The Home Service Club offers the best home warranty with the quickest service. When you buy a home warranty 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. HSC offers 2 plans for homeowners to choose from.
The Home Service Club has 2 plans that provide a combination of appliance and system coverage. The coverage caps 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 Warsaw area.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our full 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 | $5,790 |
| Heating | $3,860 |
| Electrical | $579 |
| Toilets | $482 |
| Washer/Dryer | $772 |
| Plumbing | $579 |
| Oven | $1,544 |
| Fridge | $579 |
A home warranty is a protection plan that helps Warsaw homeowners in reducing the costs of appliance and system repairs. The plans offer coverage to replace or fix appliances and systems that stop working due to normal wear and tear. When something stops working, you file a claim and pay a service fee. The home warranty company then finds 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 provides security for homeowners by helping them prevent expensive emergency repairs. They're particularly valuable for those who own older homes or ones with aging systems. More modern homes with modern appliances probably don’t need a home warranty.
Home warranties cover many home systems and appliances. Typical covered appliances include dishwashers, washers, refrigerators, dryers, microwaves, garbage disposals, and others. Covered systems include air conditioning, electrical, plumbing, and heating. Various home warranty plans offer extra coverage for central vacuums, roof leaks, septic systems, and even locksmiths. It's important for Warsaw homeowners to know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as natural disasters, cosmetic issues, pre-existing conditions, or damage caused by improperly using a system or appliance. You need to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by your policy.
Here are some essential home warranty terms to know before signing a contract:
When choosing a home warranty provider, there are several key factors to consider:
Home warranties vary widely in terms of included coverage. Basic plans typically include heating, AC, plumbing, electrical, and appliances, while more comprehensive plans may also cover well pumps, pools, roof leaks, and spas. Look for a provider that offers comprehensive coverage choices, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which is paid per repair request filed. The per-request costs can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty provider's reputation can offer insight into things such as approval rates for claims, contractor quality, speed of repairs, and customer satisfaction. Use third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Good ratings and reviews indicate that a company is known for quality service.
Home warranty companies use networks of local repair contractors to manage repairs in a given area. Contact potential companies to ask how many repair professionals they have in Warsaw and get an idea of how quickly your repairs could be handled in an emergency. Larger networks increase the chance of getting qualified contractors to quickly service your home.
Some home warranty providers provide extras such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These add value beyond just repair coverage. Added bonuses maximize the usefulness of the home warranty.
Home warranty plans are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Warsaw reaching an average high of 58℃F, you may find that some appliances, such as your air conditioning system, get a lot of use. A home warranty can considerably lower out-of-pocket expenses should your HVAC system break down.
A home warranty also saves you time and energy. Instead of spending hours finding and selecting a technician to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. Another added benefit of having a home warranty plan is that it can raise your home’s property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you purchased your home warranty through.
Home warranties also have some downsides. While it can give you less to worry about since the home warranty sends out a repair technician who handles the repair for you, some may not like this, and they would rather choose their own contractor. If that’s the case for you, some home warranty companies let you select a contractor.
Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They commonly won’t cover home systems or appliances that need repairs or replacements due to animal infestations, improper maintenance, natural disasters, etc.
A home warranty in Warsaw can cost anywhere from $30 to $60 a month. The higher-priced plans usually have broader coverage, a lower service fee, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also decrease your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan protects against normal wear and tear to home systems and appliances. Homeowners insurance protects a home in case of something such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim if you need a new washing machine or stove, unless the damage is a result of a natural disaster, which isn't that common in Warsaw.
First-time homebuyers, real estate agents, homeowners, home sellers, and landlords 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 Warsaw include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers almost all your home systems and appliances, including your refrigerator, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the items mentioned in the policy.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some providers may offer month-to-month options.
Typically, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Warsaw, where the median value of a home is $255,712, having the seller pay for the home warranty can be a good asset for your new home.
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