Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Fort Polk South has many positives, but it also comes with its difficulties. Your home’s appliances and systems will eventually need repairs, and this could mean a huge expense. A home warranty can offer you the peace of mind you need and shield your bank account from unexpected expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be difficult, since there are lots of companies to choose from. That’s why the Today's Homeowner team did the research and put together a list of the top home warranty companies in Fort Polk South 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
Liberty has been in business for more than 6 years, making it a highly regarded company in the industry. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. When you purchase a policy 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 Home Guard has 3 plans that provide a mix of appliance and system coverage. 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, you can fill out this online form or call 866-451-2281. Read our review of Liberty Home Guard to learn more.
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 has been in business for more than 15 years, making it a highly regarded company in the industry. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage. When you purchase a policy 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 Home Warranty has 2 plans that provide a mix of appliance and system coverage. 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, you can fill out this online form or call 929-400-6164. Read our review of Choice Home Warranty to learn more.
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 has been in business for more than 11 years, making it a highly regarded company in the industry. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. When you purchase a policy 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 Home Warranty has 3 plans that provide a mix of appliance and system coverage. 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, you can fill out this online form or call 888-370-3953. Read our review of Select Home Warranty to learn more.
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
AHS has been in business for more than 26 years, making it a highly regarded company in the industry. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. When you purchase a policy 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.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. 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, you can fill out this online form or call 888-365-2839. Read our review of American Home Shield to learn more.
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
Cinch has been in business for more than 44 years, making it a highly regarded company in the industry. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. When you purchase a policy 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 Home Services has 3 plans that provide a mix of appliance and system coverage. 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, you can fill out this online form or call 877-589-0505. Read our review of Cinch Home Services to learn more.
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
HSC has been in business for more than 15 years, making it a highly regarded company in the industry. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage. When you purchase a policy 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.
The Home Service Club has 2 plans that provide a mix of appliance and system coverage. 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, you can fill out this online form or call 800-750-9443. Read our review of The Home Service Club to learn more.
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 | $5,985 |
| Heating | $3,990 |
| Electrical | $599 |
| Toilets | $499 |
| Washer/Dryer | $798 |
| Plumbing | $599 |
| Oven | $1,596 |
| Fridge | $599 |
A home warranty is a protection policy that helps Fort Polk South homeowners lower the high costs of household repairs. These plans provide financial protection to repair or swap out appliances and systems that stop working from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair 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 homeowners reassurance by helping avoid expensive emergency repairs. The coverage is particularly helpful for those living in older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and functioning appliances might not require a home warranty.
Home warranties help protect your home systems and appliances. Common appliances covered under a home warranty include dryers, dishwashers, microwaves, refrigerators, garbage disposals, washers, and more. Covered systems include plumbing, electrical, heating, and air conditioning. Many home warranties offer additional add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. It's important for Fort Polk South homeowners to understand most home warranty plans have a waiting period of 30 days before repair claims will be approved. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or improperly using 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:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage varies, although most plans provide coverage for plumbing, AC, heating, electrical, and appliances. More extensive plans may also include extra things such as well pumps, pools, spas, and roof leaks. Look for a provider that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may waive deductibles if homeowners don't submit any claims within a set period of time.
A home warranty provider's reputation provides insight into things such as approval rates, repair timeliness, contractor quality, and customer service. Browse review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty providers keep networks of professionals to handle covered repairs. Wider networks raise the likelihood of getting qualified technicians to promptly service your home. Reach out to potential providers and ask how many contractors they have in Fort Polk South to get a sense of how quickly your repairs could happen in an emergency.
Home warranty companies often offer bonuses such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These can add value beyond basic repair coverage. Added perks can maximize the usefulness of your home warranty.
Fort Polk South’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help cover your home’s appliances and systems in the event 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, saving you from spending unexpected money out of pocket.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of vetting service technicians on your own, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Plus, though home warranty companies vary, some providers will let you transfer your warranty in the event that you sell your home. This can make your house more attractive to potential homebuyers and help your home sell faster.
Home warranties also have some drawbacks. Though it can save you time when the home warranty sends out a service technician who does the repair for you, some people may not like this, and they may want to select their own contractor. If that’s the case for you, some home warranty companies allow you to select a contractor.
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 in Fort Polk South can cost between $30 and $60 a month. Higher-priced plans usually have a lower service fee, higher coverage limits, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some providers will also decrease your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of insurance that protects the entire home from natural disasters, which might not be too much of a concern in Fort Polk South. It doesn't cover a normal appliance or system repairs.
A home warranty plan can help homebuyers, real estate agents, homeowners, home sellers, and investors. It can provide peace of mind to anyone involved in homeownership.
The different kinds of home warranties in Fort Polk South include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover your systems and appliances, including your washing machine, drier, and HVAC. An appliance or system plan will cover only the specific items listed in the plan.
Generally, a home warranty lasts for a year and can be renewed yearly. Some companies may offer month-to-month options.
Generally, the homeowner is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Fort Polk South, where the median home value is $124,191, having the seller pay for the home warranty can be a good asset for your new home.
