Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Buying a home is a big step for many, but the cost of maintaining it can be expensive over time, especially if your home in Old Jefferson is on the older side. A home warranty can bring you the peace of mind you need and guard your bank account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be time-consuming, since there are so many companies to choose from. That’s why our team at Today's Homeowner did the research and made a list of the top home warranty companies in Old Jefferson 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 Home Guard is the most trustworthy home warranty in Old Jefferson. The 3 plans from Liberty are easy to understand and have a mix of both system and appliance coverage. When you buy a plan 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.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Old Jefferson area.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information, read our comprehensive 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 Old Jefferson. The 2 plans from Choice are easy to understand and have a mix of both system and appliance coverage. When you buy a plan 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.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Old Jefferson area.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information, read our comprehensive 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 Old Jefferson. The 3 plans from Select are easy to understand and have a mix of both system and appliance coverage. When you buy a plan 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.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the Old Jefferson area.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information, read our comprehensive 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 Old Jefferson. The 3 plans from AHS are easy to understand and have a mix of both system and appliance coverage. When you buy a plan 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Old Jefferson area.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information, read our comprehensive review of American Home Shield.
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 is the home warranty with the best workmanship guarantee in Old Jefferson. The 3 plans from Cinch are easy to understand and have a mix of both system and appliance coverage. When you buy a plan 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 plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Old Jefferson area.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information, read our comprehensive 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 Old Jefferson. The 2 plans from HSC are easy to understand and have a mix of both system and appliance coverage. When you buy a plan 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Old Jefferson area.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information, read our comprehensive 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 | $6,316 |
| Heating | $4,211 |
| Electrical | $632 |
| Toilets | $526 |
| Washer/Dryer | $842 |
| Plumbing | $632 |
| Oven | $1,684 |
| Fridge | $632 |
A home warranty is a protection plan that helps cut costs for Old Jefferson homeowners needing appliance and system repairs. These plans provide coverage to fix 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 company then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent expensive emergency repairs. Home warranties are especially useful for older construction homes with aging systems. New homes with up-to-date appliances may not need a home warranty.
Home warranties cover your home systems and appliances. Covered appliances typically include refrigerators, dryers, dishwashers, microwaves, garbage disposals, washers, and more. Covered systems include plumbing, air conditioning, heating, and electrical. Many home warranty providers also offer additional coverage for septic systems, central vacuums, roof leaks, and locksmiths. Old Jefferson homeowners should know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. It's important to keep up with preventative maintenance to ensure that your next repair or replacement is covered by your policy.
There are several home warranty terms to learn before signing an agreement, including:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage varies, although most plans cover heating, AC, plumbing, electrical, and appliances. More inclusive plans may also cover other things such as pools, roof leaks, spas, and well pumps. Look for companies with a diverse range of coverage options, including upgraded plans. This helps you tailor protection to 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 providers 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 company's track record gives insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Use third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Favorable reviews and ratings indicate a provider known for stellar service.
Home warranty businesses have networks of local technicians to handle repairs in your area. Reach out to potential providers to find out how many repair technicians they have in Old Jefferson and get an idea for how quickly your repairs might happen in an emergency situation. Wider networks improve the probability of getting qualified contractors to promptly service your home.
Some home warranty plans offer bonuses such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These perks add value beyond just repair coverage. Added bonuses help maximize the usefulness of your home warranty.
Since temperatures in Old Jefferson can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Buying a home warranty policy can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
Not only can a home warranty provide some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a repair person and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most. Another benefit of having a home warranty is while selling your home, you can most likely transfer your home warranty to the new owners. This can make your home more attractive to potential homebuyers and may help your house sell faster.
Home warranties also have some downsides. Though it can be convenient that the home warranty sends out a repair technician who carries out the repair for you, some may not like this, and they would prefer to select a contractor themselves. If that’s important to you, some home warranty companies allow you to choose a contractor.
Another thing to consider is that some providers don’t cover pre-existing problems and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about this if you need more information or if this is an issue for you.
A home warranty plan costs, on average, around $300 to $600 a year in Old Jefferson. Our top-rated home warranty companies' 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. Additionally, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty policies cover issues related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different plan that protects an entire home from natural disasters, which can sometimes be a concern in Old Jefferson. It doesn't cover a normal appliance or system breakage.
A home warranty can help real estate agents, homebuyers, home sellers, investors, and homeowners. It can provide peace of mind and savings to anyone involved with homeownership.
A home warranty policy will cover your systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Home warranty plans generally last a year. Many providers let you renew your plan each year, and some offer month-to-month plans as well.
In general, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees. In Old Jefferson, where the median value of a home is $256,643, having the seller pay for the home warranty can be a good asset for your new home.
