Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Find the best home warranty for your needs. Rayne is a great place to buy a home. However, along with all the positives of homeownership, there are usually a few negatives, too. One of the biggest stressors for many homeowners is that systems and appliances can stop working unexpectedly.
A home warranty can help protect you by covering major repairs and replacements on your home's appliances and systems. Because the home warranty market is saturated with many providers — all with different offerings — our team at Today's Homeowner decided to do the research for you to help you find the best home warranty in Rayne.
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 Rayne. Choice has been operating for over 15 years, making it a highly regarded company in the industry. If you're looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 policies that Choice offers include options for appliance and system coverage.
Choice Home Warranty offers 2 plans for Rayne homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Choice's plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
Read our full review of Choice Home Warranty to learn more. 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
In Rayne, Select Home Warranty is the most cost-effective home warranty. The 3 plans from Select are comprehensive and have a mix of both system and appliance coverage. 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 plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are around the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, 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 for Rayne residents. The 3 plans from AHS are comprehensive and offer both system and appliance coverage. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Rayne area.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For more information, read our 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
In Rayne, The Home Service Club offers the best home warranty with the quickest service. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you'll want to have this plan on your side. Plus, it 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 Home Service Club has 2 plans that offer a combination of appliance and system coverage. The coverage limits 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 Rayne area.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit our The Home Service Club full review.
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
In Rayne, Liberty Home Guard is the most trustworthy home warranty. Liberty has been on the market for more than 6 years, making it a respected company in the industry. When you purchase 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. The 3 plans from Liberty are comprehensive and offer both system and appliance coverage.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our full review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
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 Rayne, Cinch Home Services offers the home warranty with the best workmanship guarantee. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you'll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
Cinch Home Services offers 3 plans for Rayne homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Cinch's plans are close to the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
Read our review of Cinch Home Services to learn more. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 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 | $5,618 |
| Heating | $3,746 |
| Electrical | $562 |
| Toilets | $468 |
| Washer/Dryer | $749 |
| Plumbing | $562 |
| Oven | $1,498 |
| Fridge | $562 |
A home warranty is a protection plan that helps homeowners account for the high costs of appliance and systems repairs. Home warranties will cover a 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 easier. A home warranty plan usually has a 30-day waiting period from the time you pay to when you can start using it.
For Rayne homeowners, it is very simple to file a claim when an issue arises with a covered appliance or system. Most home warranty companies have an online portal system where you can submit a claim.
At this point, you'll pay a service fee, which is generally between $60 and $150, depending on what plan you choose. Once the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. If the repair is covered under the warranty and the coverage cap is not reached, most homeowners will not have to pay any other out-of-pocket costs .
A home warranty offers coverage on your home's major appliances and systems and it can help cut back on your home maintenance expenses. Appliances covered under a home warranty plan are the microwave, dishwasher, dryer, garbage disposal, refrigerator, and more. Systems that are covered include plumbing, heating, electrical systems, and air conditioning.
The add-on coverages can include septic system, pool, roof leak, spa, and sometimes even things like locksmith or pest control.
A home warranty will only cover normal wear and tear on your home systems and appliances. Things like pre-existing conditions, misuse, cosmetic damages, and lack of maintenance are excluded from the home warranty policy.
Temperatures in Rayne can get quite high in the summer, which means your air conditioner is likely to get a decent amount of use. As a homeowner in Rayne, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Along with saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the hassle of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair problems you may experience.
As for the drawbacks of home warranties, coverage varies by provider, so it's important to review what each policy covers and excludes in the contract.
Another pain point of home warranties is that they don't cover systems or appliances that haven't been properly maintained. This can lead to your repair requests being rejected, so it's important to carefully follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Selecting the right home warranty in Rayne for you depends on the type of coverage you need, the home warranty company you opt for, and where you live, among other factors. Below is a list of factors that you'll want to consider when selecting a home warranty provider:
The best overall home warranty provider in Rayne is Choice Home Warranty, but the best company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty is a service contract that gives homeowners extra coverage for their household systems and appliances. These include washing machines, dryers, dishwashers, refrigerators, garbage disposals, sump pumps, heating and cooling systems, plumbing, water heaters, and electrical systems, among others. Some policies also provide coverage for pools, ceiling fans, roofs, and garage door openers. A home warranty can help you save money if these appliances and systems break down unexpectedly.
A home warranty policy can cover either your home's systems and appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a systems or appliance plan can be useful too if you want to save some money.
Home warranty plans generally provide coverage for a year. Many providers let you renew your plan annually, which can be useful in Rayne for some protection against something like your air conditioner needing repairs when you require it the most.
Many homeowners think a home warranty is a good investment since it helps protect against unforeseen expenses, and saving money is important with the cost of living going up . If you're worried about your finances and home maintenance, having a home warranty can help. One of the major pluses of a home warranty is that it can provide you some financial peace of mind.
A service fee is an expense that you must pay before a service technician or contractor comes to your home to repair your home warranty-related problem. The pricing is typically between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket cost that homeowners have with a home warranty in place apart from the policy's premium unless the expense is more than the coverage cap.
Most home warranty providers have a 30-day waiting period before you can file claims, but some may allow you to file sooner so make sure you check with the company about this.
