Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated June 2024
Owning a home can have many benefits, but it can also come with some negatives like maintenance. The older your house’s appliances and systems are, the more you may want to consider getting a home warranty. A home warranty in Liberal 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.
Finding the best home warranty on the market can be a challenge because of the numerous options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide to the top home warranty companies in Liberal.
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 Liberal. Liberty has more than 6 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Liberal homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. To read more, visit our 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
Choice Home Warranty is the best overall home warranty in Liberal. Choice has more than 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Liberal homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. To read more, visit our 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
Select Home Warranty is the most cost-effective home warranty in Liberal. Select has more than 11 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Liberal homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Select’s plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit our 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
American Home Shield is the most customizable home warranty in Liberal. AHS has more than 26 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Liberal homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our 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
First American Home Warranty is the best home warranty for appliance coverage in Liberal. First American has more than 39 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The 2 plans that First American offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, it 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 Home Warranty offers 2 plans for Liberal homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with First American’s plans are close to the $1,500 mark for many of the major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. To read more, visit our 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
Cinch Home Services is the home warranty with the best workmanship guarantee in Liberal. Cinch has more than 44 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Liberal homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have 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 many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our 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
The Home Service Club is the best home warranty with the quickest service in Liberal. HSC has more than 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for Liberal homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with HSC’s plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit our 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 | $5,807 |
| Heating | $3,871 |
| Electrical | $581 |
| Toilets | $484 |
| Washer/Dryer | $774 |
| Plumbing | $581 |
| Oven | $1,548 |
| Fridge | $581 |
A home warranty is a protection plan that helps Liberal homeowners in reducing the costs of appliance and system repairs. The plans provide 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 arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent expensive emergency repairs. Home warranties are the most useful for older houses or those with aging systems. New homes with up-to-date appliances might not require a home warranty.
Home warranties help protect both your home systems and appliances. Common appliances covered under a home warranty include garbage disposals, washers, dishwashers, microwaves, dryers, refrigerators, and more. Covered systems include air conditioning, heating, plumbing, and electrical. Many home warranties also offer add-on coverage options for central vacuums, septic systems, locksmiths, and even roof leaks. Liberal homeowners should know that most home warranty plans begin with 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 natural disasters, pre-existing conditions, cosmetic issues, or improperly using a system or appliance. Remember to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should learn key terms like:
There are several important factors to consider when choosing a home warranty provider:
Home warranty policies can have major differences in covered items. Most plans provide protection for AC, heating, electrical, plumbing, and appliances. More comprehensive options also include coverage for other items such as well pumps, pools, roof leaks, and spas. Look for providers with a range of coverage choices, such as upgraded plans. You'll want to tailor your protection for your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for providers advertising lower service fees to optimize savings on each repair claim. Certain providers may eliminate deductibles if homeowners don't submit any claims within a set period of time.
A home warranty provider's reputation can offer insight into things such as speed of repairs, contractor quality, approval rates for claims, and customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Positive ratings and reviews indicate that a company is known for top-tier service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. More extensive networks raise the probability of getting qualified contractors to your home swiftly. Reach out to possible providers to ask how many repair professionals they have in Liberal. This helps you understand how long repairs might take in an urgent situation.
Some home warranty plans offer bonuses such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These add value beyond repair coverage. Extra bonuses maximize the usefulness of your home warranty.
Liberal’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty is designed to cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the repairs, preventing you from spending unexpected money out of pocket.
Additionally, having a home warranty can save you some time by getting rid of the need to research service technicians — most companies will send a trusted professional right to your door to complete the repair or replacement. A home warranty can also have value in other ways. For instance, some policies can be transferred to another owner during a home sale.
Home warranties also have some downsides. Although it can give you less to worry about since the home warranty sends out a service technician who does the repair for you, some may not like this, and they would rather choose a contractor themselves. If that’s the case for you, some home warranty plans allow you to choose a contractor.
Another stipulation is that home warranties typically only cover repairs needed due to normal wear and tear. They commonly won’t cover systems or appliances that need repairs or replacements due to improper maintenance, natural disasters, animal infestations, etc.
A home warranty in Liberal can cost anywhere from $30 to $60 a month. Higher-priced plans tend to have higher coverage limits, a lower service fee, and broader coverage. 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 kinds of damage they cover. Home warranties 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 different kind of plan that protects your entire home from natural disasters, which might not be too much of a concern in Liberal. It doesn't cover a normal appliance or system damage.
A home warranty policy can help real estate agents, homebuyers, homeowners, investors, and home sellers. It can provide peace of mind and savings to anyone involved with homeownership.
The different kinds of home warranties in Liberal include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers your home systems and appliances, such as your washing machine, drier, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items mentioned in the plan.
Generally, a home warranty plan offers coverage for a year and can be renewed annually. Some companies may offer month-to-month plans.
Usually the one who owns the home is responsible for paying for the home warranty. In some cases, however, the one selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Liberal is $137,843, a home warranty can be an added asset when buying a home.
