Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated June 2024
As much as you may enjoy homeownership in Covington, there's always that worry about whether your systems and appliances are going to hold up during the next few years. A home warranty in Covington can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that break down due to normal wear and tear.
Finding the best home warranty on the market can be overwhelming, since there are dozens of companies to decide between. That’s why the Today's Homeowner team did the research and put together a list of the top home warranty companies in Covington 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 Covington, Liberty Home Guard is 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 has 3 plans for you to decide between.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $75.
Read more by visiting our review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
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 Covington, Choice Home Warranty is 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 has 2 plans for you to decide between.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $85.
Read more by visiting our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or call 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
In Covington, Select Home Warranty is 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 has 3 plans for you to decide between.
The 3 plans from Select Home Warranty 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 with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are a reasonable $60.
Read more by visiting our review of Select Home Warranty. To get a free quote from Select Home Warranty, 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
In Covington, American Home Shield is 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 has 3 plans for you to decide between.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
Read more by visiting our review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Covington, Cinch Home Services is 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 has 3 plans for you to decide between.
The 3 plans from Cinch Home Services 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 with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
Read more by visiting our review of Cinch Home Services. To get 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
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 Covington, The Home Service Club is 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 has 2 plans for you to decide between.
The 2 plans from The Home Service Club are 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 make sure to check with the company. Service fees are customizable and range from $65 to $90.
Read more by visiting our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
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 | $6,269 |
| Heating | $4,180 |
| Electrical | $627 |
| Toilets | $522 |
| Washer/Dryer | $836 |
| Plumbing | $627 |
| Oven | $1,672 |
| Fridge | $627 |
A home warranty is a protection plan that helps lower expenses for Covington homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out appliances and systems that stop working due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent costly emergency repairs. Home warranties are particularly useful for older houses or those with aging systems. New homes with up-to-date appliances might not require a home warranty.
Home warranties cover your household systems and appliances. Typical covered appliances are garbage disposals, refrigerators, dryers, washers, dishwashers, microwaves, and others. Protected systems include electrical, air conditioning, plumbing, and heating. Many home warranty plans offer additional coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Most home warranty plans require Covington homeowners to wait 30 days before the plan will cover repairs. Moreover, policies normally only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some essential home warranty terms to know before signing a contract:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans include protection for heating, AC, electrical, plumbing, and appliances. More inclusive plans may also cover other things such as well pumps, roof leaks, pools, and spas. Look for providers with varied coverage options, including upgraded plans. This helps you tailor protection to your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a company with lower service fees to maximize savings on every claim. Some providers also do away with deductibles when customers have a claim-free period.
A home warranty provider's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Check review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about companies. Good feedback and ratings suggest a company known for quality service.
Home warranty businesses have networks of local technicians to handle repairs in your area. Contact potential providers to ask how many repair technicians they have in Covington and get an idea for how quickly your repairs could take place in an emergency situation. More extensive networks increase the likelihood of getting qualified contractors to quickly service your home.
Some home warranty companies include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These can offer extra value beyond just repair coverage. Added bonuses let you enhance your home and get the most from your warranty policy.
Temperatures in Covington can get quite high in the summer, which means your air conditioner is most likely going to get a good bit of use. As a homeowner in Covington, one of the benefits of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
Not to mention, having a home warranty can save you some time by eliminating the need to research technicians — most providers will send a trusted professional right to your door to complete the necessary repair or replacement. A home warranty can also provide value in other ways. For instance, some policies can be transferred to another owner during a home sale.
There are also some negatives to purchasing a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They most likely won’t cover home systems or appliances that have been damaged due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty plan costs, on average, around $300 to $600 a year in Covington. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by choosing a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty policies cover issues with home systems and appliances that need repairs or replacements 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 can sometimes be a concern in Covington. It doesn't cover a normal appliance or system damage.
Homebuyers, home sellers, homeowners, real estate agents, and landlords are all eligible for home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
The different types of home warranties in Covington include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your systems and appliances, including your dishwasher, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the items listed in the contract.
Generally, a home warranty plan lasts for a year and can be renewed yearly. Some providers may offer month-to-month options.
Usually the one who owns the home is responsible for paying for the home warranty. In some cases, however, the home seller may purchase 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. Considering that the average home value in Covington is $311,604, a home warranty can save you some money when buying a home.
