Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Find the best home warranty provider for you. Owning a home in Murray has many great benefits, but there are, of course, some downsides too. The humid weather can cause problems in a home and destroy some systems and appliances.
A home warranty in Murray can help cut your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop functioning due to normal wear and tear. Even though a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the perfect choice for your Murray home. That's why we've done the research and have made a list of the best home warranty plans in Murray.
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 offers the best overall home warranty for Murray residents. Choice has over 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice's plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
For more information on this provider, read our Choice Home Warranty full review. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
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 for Murray residents. Select has been operating for around 11 years, making it a highly regarded company in the industry. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. 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.
Select Home Warranty offers 3 plans for Murray 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.
For a more detailed breakdown, read our review of Select Home Warranty. To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
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 offers the most customizable home warranty in Murray. AHS has been in business for over 26 years, making it a well-regarded company in the industry. The 3 plans from AHS are easily comprehensible and offer a mix of both system and appliance coverage. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, this is the plan for you. Plus, it 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. 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 get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our thorough review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Murray. HSC has more than 15 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. 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. HSC offers 2 plans for you to decide between.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. 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 call 800-750-9443. To read more, visit our review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for Murray residents. Liberty has been operating for about 6 years, making it a highly regarded company in the industry. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you'll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process easy.
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.
For more information on this provider, read our Liberty Home Guard Review. To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
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 Murray, First American Home Warranty is the best home warranty for appliance coverage. First American has been in the home warranty industry for over 39 years. First American has 2 simple plans, making the selection process quick and easy. When you purchase a plan 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 Home Warranty offers 2 plans for Murray homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For a more detailed breakdown, read 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 offers the home warranty with the best workmanship guarantee for Murray residents. Cinch has been operating for about 44 years, making it a well-regarded company in the industry. When you purchase 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. The 3 plans from Cinch are comprehensive and have a mix of both system and appliance coverage.
The plans that Cinch offers to homeowners are 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.
For more information on this provider, read our comprehensive review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home 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 | $5,731 |
| Heating | $3,820 |
| Electrical | $573 |
| Toilets | $478 |
| Washer/Dryer | $764 |
| Plumbing | $573 |
| Oven | $1,528 |
| Fridge | $573 |
A home warranty is a coverage plan that helps homeowners account for the high costs of appliance and systems repairs. Home warranties will cover a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty can make budgeting and managing your finances less stressful. A home warranty plan generally has a 30-day waiting period from the time you pay to when you can start using it.
When you notice a problem with one of your appliances or systems, you can file a claim with your home warranty provider. Then, a customer service representative will reach out to you about a repair technician coming over to take a look at the problem.
At this point, you'll also need to pay your service fee. Once the repair technician takes a look at the issue, they will take care of it at no cost to you. The only time a homeowner may have out-of-pocket costs is if the repair or replacement is over the item's coverage cap.
Home warranties help protect both your home systems and appliances. A home warranty can cover repairs and replacements that are a result of normal wear and tear. The appliances covered include a cooktop, dishwasher, microwave, stove, refrigerator, clothes washer, clothes dryer, and more. The systems included are the plumbing, heating, electrical, air conditioning, and others.
You can also optionally decide to pay a bit extra for add-on coverage for items like septic systems, spas, swimming pools, and roof warranty.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your home and follow preventative maintenance guidelines, your home warranty will not cover it. Also, a home warranty does not cover lack of maintenance, cosmetic damages, pre-existing conditions, and misuse.
Murray'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 in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the needed repairs, preventing you from spending unexpected money out of pocket.
In addition, having a home warranty can save you some time by removing the need to research service technicians — most companies will send a trusted professional right to your door to carry out the necessary repair or replacement.
There are also some negatives to purchasing a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Additionally, 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.
The first step in protecting your home with a home warranty is determining which company's plan is the best for you. Consider the appliances and systems in your home you want coverage for and compare the plans. When considering which home warranty company is the right one for you, here are some important factors to take into account:
Our pick for the best overall home warranty provider in Murray is Choice Home Warranty, but the right company for you will vary based on factors like what appliances and systems you need coverage for.
Home warranties cover issues related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different insurance that protects an entire home from natural disasters, which can sometimes be a concern in Murray. It doesn't cover a typical appliance or system breakage.
First-time homebuyers, home sellers, real estate agents, landlords, and homeowners are all eligible for home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
Home warranties cover the cost of repairs and replacements if it is within the coverage limits of the plan. If the replacement costs more than the home warranty covers, you will have to pay the rest out of pocket.
A service fee is an expense that you must pay before a repair technician or contractor comes to your home to repair your home warranty-related problem. Prices typically range between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners have with a home warranty apart from the policy's premium unless the expense is greater than the coverage cap.
When living in a town like Murray, you may be wondering if events like natural disasters will be covered under a home warranty. Home warranties usually don't cover damage from natural disasters, lack of proper maintenance, or intentional breakage.
