Written By David Cusick
Last Updated April 2024
Owning a house can have a lot of advantages, but it can also come with some downsides 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 policy can help protect you by covering major repairs and replacements on your home’s most important appliances and systems.
The home warranty market is saturated with a lot of providers — all with different price points — so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Covington.
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 Covington. Liberty has over 6 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The 3 policies that Liberty offers include options for appliance and system coverage. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read more by visiting our thorough 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 Covington. Choice has over 15 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The 2 policies that Choice offers include options for appliance and system coverage. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting our thorough 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 Covington. Select has over 11 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The 3 policies that Select offers include options for appliance and system coverage. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting our thorough 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 Covington. AHS has over 26 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The 3 policies that AHS offers include options for appliance and system coverage. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our thorough 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 Covington. First American has over 39 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The 2 policies that First American offers include options for appliance and system coverage. First American offers very affordable and comprehensive appliance coverage. Plus, 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.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read more by visiting our thorough 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 Covington. Cinch has over 44 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The 3 policies that Cinch offers include options for appliance and system coverage. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting our thorough 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 Covington. HSC has over 15 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The 2 policies that HSC offers include options for appliance and system coverage. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting our thorough 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 | $5,782 |
Heating | $3,855 |
Electrical | $578 |
Toilets | $482 |
Washer/Dryer | $771 |
Plumbing | $578 |
Oven | $1,542 |
Fridge | $578 |
A home warranty is a protection policy that helps Covington homeowners reduce the expenses of appliance and system repairs. The plans offer coverage to fix or swap out appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty company then finds a contractor to handle the fix 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 policy gives homeowners peace of mind since it can help avoid costly emergency repairs. They can be especially helpful for buyers of older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties cover many home systems and appliances. Covered appliances normally include washers, refrigerators, garbage disposals, microwaves, dryers, dishwashers, and others. Covered systems include heating, plumbing, electrical, and air conditioning. Many home warranty companies also provide additional coverage for roof leaks, locksmiths, septic systems, and central vacuums. It's important for Covington homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Here are some key home warranty words to understand before signing a contract:
When selecting a home warranty provider, there are several key factors to consider:
Home warranty coverage can have major differences in what's included. Most plans include protection for AC, heating, plumbing, electrical, and appliances. More comprehensive plans also cover other items such as well pumps, pools, roof leaks, and spas. Focus on providers with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize your plan to meet 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 companies with more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles after periods where a customer files no claims.
A home warranty provider's reputation provides insights into factors such as claim approval rates, contractor expertise, repair speed, and customer satisfaction. Read through review sites like the Better Business Bureau (BBB), TrustPilot, or Google Reviews to learn more about providers. Good reviews and ratings suggest a company known for quality service.
Home warranty companies keep networks of contractors to handle covered repairs. Wider networks increase the probability of getting qualified technicians to swiftly service your home. Reach out to potential providers and ask how many contractors they have in Covington to get a sense of how soon your repairs could happen in an emergency.
Home warranty providers might offer bonuses such as energy efficiency upgrades, coverage for smart home devices, and maintenance discounts. These add value beyond basic repair coverage. Added perks maximize the usefulness of the home warranty.
Since temperatures in Covington 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 policy can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
As well as saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the hassle of trying to find a qualified contractor to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair problems you may come across. Another added benefit of having a home warranty plan is that it can increase your home’s real estate 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 company you have your home warranty with.
As for the negatives of home warranties, system and appliance coverage varies by provider, so it’s important to read what each plan covers and doesn’t include in the contract.
Another downside is that home warranties may exclude some repairs, such as those needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the affected systems and appliances probably won’t be covered by the home warranty.
A home warranty policy costs, on average, about $300 to $600 a year in Covington. 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 opting for a higher service fee. In addition, it's typically cheaper 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 plan helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects the entire home in case of something such as a fire or natural disaster. Under homeowners insurance, you won't be able to file a claim should you need a new washing machine or dishwasher, unless the damage is a result of a natural disaster, which is somewhat common in Covington.
Homebuyers, home sellers, real estate agents, landlords, and homeowners can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
The different types of home warranties in Covington include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover almost all your systems and appliances, including your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the items mentioned in the contract.
Home warranty plans typically offer coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month options as well.
Usually the person who owns the home is responsible for paying for the home warranty. In some cases, though, the home seller may buy a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Covington is $183,188, a home warranty can save you some money when buying a home.