Written By David Cusick
Last Updated February 2024
Homeownership in Waverly has many benefits, but it also comes with its challenges. Your home’s appliances and systems will inevitably need repairs, and this could mean a huge expense. A home warranty can offer you the peace of mind you need and guard your savings account from large expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be overwhelming, since there are dozens of companies to choose from. That’s why the Today's Homeowner team did the research and made a list of the best home warranty companies in Waverly for you.
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 Waverly, Liberty Home Guard is the most trustworthy home warranty. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000 at the maximum.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For more information on this provider, read our full review of Liberty Home Guard.
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 Waverly, Choice Home Warranty is the best overall home warranty. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000 at the maximum.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For more information on this provider, read our full review of Choice Home Warranty.
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 Waverly, Select Home Warranty is the most cost-effective home warranty. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000 at the maximum.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information on this provider, read our full review of Select Home Warranty.
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 Waverly, American Home Shield is the most customizable home warranty. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500 at the maximum.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For more information on this provider, read our full review of American Home Shield.
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 Waverly, First American Home Warranty is the best home warranty for appliance coverage. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also about $1,500 at the maximum.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For more information on this provider, read our full review of First American Home Warranty.
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 Waverly, Cinch Home Services is the home warranty with the best workmanship guarantee. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. 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.
There are 3 home warranty plans from Cinch Home Services: 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 about $1,000-$2,000 at the maximum.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information on this provider, read our full review of Cinch Home Services.
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 Waverly, The Home Service Club is the best home warranty with the quickest service. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000 at the maximum.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For more information on this provider, read our full review of The Home Service Club.
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 | $5,739 |
Heating | $3,826 |
Electrical | $574 |
Toilets | $478 |
Washer/Dryer | $765 |
Plumbing | $574 |
Oven | $1,530 |
Fridge | $574 |
A home warranty is a protection policy that assists Waverly homeowners reduce the costs of appliance and system repairs. The plans offer coverage to fix or replace appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty delivers security for homeowners by helping them avoid expensive emergency repairs. They're particularly useful for those who own older homes or ones with aging systems. More modern builds with modern fixtures probably don’t need a home warranty.
Home warranties safeguard your home systems and appliances. Common covered appliances include washers, dishwashers, refrigerators, garbage disposals, dryers, microwaves, and others. Covered systems include electrical, air conditioning, plumbing, and heating. Many home warranty plans offer additional add-on coverage options for central vacuums, locksmiths, septic systems, and even roof leaks. Most home warranty plans require Waverly homeowners to wait 30 days before the plan will cover repairs. Moreover, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
There are a number of home warranty terms to learn before signing an agreement, including:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty plans can have major differences in covered items. Most plans cover electrical, heating, AC, plumbing, and appliances. More robust plans also extend protection to other items such as roof leaks, well pumps, spas, and pools. Look for a company that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty company's reputation provides insights into factors such as claim approval rates, contractor expertise, repair speed, and customer satisfaction. Look at review sites like the Better Business Bureau (BBB), TrustPilot, or Google Reviews to learn more about providers. Favorable reviews and ratings suggest a company known for quality service.
Home warranty providers have networks of professionals that they use to tackle covered repairs. More extensive networks improve the likelihood of getting skilled contractors to your home quickly. Contact possible providers to learn how many technicians they have in Waverly to understand how long repairs could take in an urgent situation.
Some home warranty providers include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These can provide extra value beyond repair coverage. Extra bonuses let you enhance your home and get the most from your home warranty.
Since temperatures in Waverly can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty plan can help homeowners save money if one of these systems or appliances breaks down suddenly.
Additionally, having a home warranty can save you some time by eliminating the need to research contractors — most companies will send a trusted professional right to your door to carry out the necessary repair or replacement. Another benefit of having a home warranty is if you want to sell your home, some providers let you transfer your home warranty to the new owners. It can make your home more attractive to potential homebuyers and help your house sell faster.
Home warranties also have some drawbacks. Although it can give you less to worry about since the home warranty sends out a repair person who does the repair for you, some may not like this, and they would prefer to choose their own contractor. If that’s the case for you, some home warranty plans let you select a contractor.
Also, 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 other than normal wear and tear — the home warranty may not cover it.
A home warranty policy costs, on average, about $300 to $600 a year in Waverly. Our high-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 typically cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty helps protect against normal wear and tear to home systems and appliances. A homeowners insurance plan protects your home in case of a situation such as a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim should you need a new washing machine or oven, unless the damage is a result of a natural disaster, which isn't that common in Waverly.
A home warranty policy can help real estate agents, homebuyers, home sellers, homeowners, and investors. It can provide peace of mind and savings to anyone involved with homeownership.
A home warranty will cover your systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Home warranty plans usually last a year. Many providers let you renew your plan each year, and some offer month-to-month options 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 buy 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 Waverly is $249,578, a home warranty can be an added asset when buying a home.