Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
With hot summers, working home appliances and systems, particularly HVAC, are very important for homeowners in Jefferson. A home warranty in Jefferson 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 warranty for your home can be difficult, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Jefferson. Keep reading for our top provider recommendations.
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 offers the most trustworthy home warranty in Jefferson. Liberty has been in the home warranty business for over 6 years. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easy to understand and offer both system and appliance coverage.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Jefferson area.
For more information on this provider, read 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
Choice Home Warranty offers the best overall home warranty in Jefferson. Choice has been in the home warranty business for over 15 years. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easy to understand and offer both system and appliance coverage.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Jefferson area.
For more information on this provider, read 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
Select Home Warranty offers the most cost-effective home warranty in Jefferson. Select has been in the home warranty business for over 11 years. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easy to understand and offer both system and appliance coverage.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Jefferson area.
For more information on this provider, read 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
American Home Shield offers the most customizable home warranty in Jefferson. AHS has been in the home warranty business for over 26 years. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easy to understand and offer both system and appliance coverage.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Jefferson area.
For more information on this provider, read 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Jefferson. Cinch has been in the home warranty business for over 44 years. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easy to understand and offer both system and appliance coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Jefferson area.
For more information on this provider, read 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
The Home Service Club offers the best home warranty with the quickest service in Jefferson. HSC has been in the home warranty business for over 15 years. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are easy to understand and offer both system and appliance coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Jefferson area.
For more information on this provider, read 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 | $5,962 |
| Heating | $3,975 |
| Electrical | $596 |
| Toilets | $497 |
| Washer/Dryer | $795 |
| Plumbing | $596 |
| Oven | $1,590 |
| Fridge | $596 |
A home warranty is a protection policy that assists Jefferson homeowners in reducing the expenses 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 breaks down, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent expensive emergency repairs. Home warranties are the most useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances may not require a home warranty.
Home warranties cover your household systems and appliances. Typical covered appliances include dishwashers, dryers, washers, microwaves, refrigerators, garbage disposals, and more. Covered systems include air conditioning, heating, electrical, and plumbing. Many home warranty plans offer additional coverage for central vacuums, septic systems, roof leaks, and even locksmiths. It's important for Jefferson homeowners to understand most home warranty plans have a 30-day waiting period before repairs are covered. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Here are some key home warranty words to understand before signing a contract:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage varies, although most plans include protection for AC, plumbing, electrical, heating, and appliances. More extensive plans may also provide protection for additional items such as roof leaks, spas, pools, and well pumps. Look for a company that offers comprehensive coverage choices, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which gets paid per service call made. The per-request costs can add up. You may decide to look for companies with lower service fees to maximize your savings on each claim. Some providers also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's reputation can give you insight into things such as approval rates, repair timeliness, contractor quality, and customer satisfaction. Use review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Good ratings and feedback indicate a provider known for exceptional service.
Home warranty businesses have networks of local contractors to handle repairs in your area. Contact potential providers to find out how many repair professionals they have in Jefferson and get an idea for how fast your repairs might happen in an emergency situation. Bigger networks increase the likelihood of getting qualified contractors to swiftly service your home.
Some home warranty companies may include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These can provide extra value beyond just repair coverage. Extra bonuses let you enhance your home and get the most from your warranty policy.
Home warranty plans are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Jefferson reaching an average high of 76℃F, you may find that certain appliances, such as your air conditioning unit, get a lot of use. A home warranty can remarkably lower out-of-pocket costs should your HVAC system stop working.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of needing to vet contractors yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. Additionally, having a home warranty can make your house more attractive to potential homebuyers if you ever decide to sell in the future. Many home warranty providers will allow you to transfer your policy to a new owner and give them the protection you’ve been benefiting from.
There are also some downsides to getting a home warranty plan, like the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty.
Additionally, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in Jefferson can cost between $30 and $60 a month. The higher-priced plans tend to have a lower service fee, higher coverage limits, 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 opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty covers normal wear and tear to home systems and appliances. Homeowners insurance protects the entire home in a situation such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim should you need a new dryer or oven, unless the damage is due to a natural disaster, which is somewhat common in Jefferson.
Homebuyers, landlords, home sellers, real estate agents, and homeowners are all eligible for home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
A home warranty will cover your home’s appliances, systems, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Home warranty plans typically provide coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month options as well.
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 purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Jefferson is $228,375, a home warranty can be an added asset when buying a home.
