Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Considering getting a home warranty? One of our top home warranty providers can help. River Ridge gives homeowners some great neighborhoods and the opportunity to enjoy the sun all year round. However, those temperatures can do a number on your home's systems, such as your HVAC.
A home warranty policy can help protect you by cutting the costs of major repairs and replacements on your home's appliances and systems. Since the home warranty market has a lot of providers — all with different plans — the Today's Homeowner team did the research for you to help you find the right home warranty in River Ridge.
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 River Ridge. Choice has 2 plans for homeowners to choose from. If you're looking for very high coverage caps and simple-to-understand service contracts, you'll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. 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.
For a more detailed breakdown, read our review of Choice Home Warranty. To receive 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 is the most cost-effective home warranty for River Ridge residents. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: 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 most major systems and appliances, and 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. For more information on this provider, 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
In River Ridge, American Home Shield offers the most customizable home warranty. AHS is a home warranty provider with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500.
Read our review of American Home Shield to learn more. To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
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
The Home Service Club offers the best home warranty with the quickest service for River Ridge residents. HSC has over 15 years of experience in the home warranty industry and in that time has built a an network of service technicians in the country. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, 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 comprehend and offer both system and appliance coverage.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the River Ridge area.
To receive a free quote from The Home Service Club, 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
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
Liberty Home Guard offers the most trustworthy home warranty for River Ridge residents. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process easy.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read more by visiting our thorough 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 River Ridge, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has about 44 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. Cinch offers 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. 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 River Ridge area.
Read more by visiting our Cinch Home Services Review. To receive 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 | $6,216 |
| Heating | $4,144 |
| Electrical | $622 |
| Toilets | $518 |
| Washer/Dryer | $829 |
| Plumbing | $622 |
| Oven | $1,658 |
| Fridge | $622 |
A home warranty is a coverage plan that helps homeowners manage the high costs of appliance and systems repairs. Home warranties will provide coverage for a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty can make it easier to budget and manage your finances. A home warranty plan typically has a 30-day waiting period from the time you pay to when you can file your first claim.
When one of your systems or appliances has an issue, you file a claim with your service provider. You can do so in an online portal or by telephone, and then a contractor will come and fix the problem.
Once you submit the claim, it will be assigned to a local technician that will come to your home and repair the problem. At this point, you pay your service fee. Service fees typically range in price from about $60 to $150 and this is the only out-of-pocket cost you will have to pay unless the repair cost is more than your home warranty's coverage limit.
A home warranty plan offers coverage on your home's major appliances and systems and it can help reduce your home maintenance expenses. The appliances commonly covered under a home warranty plan are the dishwasher, oven, refrigerator, dryer, microwave, washing machine, and more. System coverage typically includes heating, air conditioning, plumbing, electrical systems, and more.
Add-on coverage will vary from one plan to another, but you can expect to see add-ons such as electronics, spas, roof leaks, central vacuums, sump pumps, and pools.
A home warranty will only protect against normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, natural disasters, and intentional breakages are not covered with a home warranty.
Temperatures in River Ridge 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 River Ridge, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
Another benefit of having a home warranty is if you want to sell your home, you can most likely transfer your home warranty policy to the new owners. It can make your house more attractive to potential homebuyers and help your house sell faster.
One of the major drawbacks of home warranties is not everything may be covered. It's important to compare the different plans and sign up for one that covers all the appliances, systems, and add-ons you need.
Another thing to consider is that some companies don't cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty company for clarification about it if you aren't sure or if this is a problem for you.
Selecting the best provider for your home warranty is the first step toward protecting your house. Plans can vary, so consider the following factors when picking a home warranty provider:
Our pick for the best overall home warranty company in River Ridge is Choice Home Warranty, but the perfect company for you will vary based on factors like what appliances and systems you need coverage for.
A home warranty is a kind of service contract that gives homeowners extra coverage for their household systems and appliances. These include garbage disposals, dishwashers, washing machines, refrigerators, dryers, sump pumps, electrical systems, heating and cooling systems, water heaters, and plumbing, among others. Some policies also offer coverage for ceiling fans, garage door openers, roofs, and pools. A home warranty can help you save money if these appliances and systems break down unexpectedly.
Home warranty policies cover problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different plan that protects the entire home from natural disasters, which can sometimes be a concern in River Ridge. It doesn't cover a normal appliance or system breakage.
Home warranty plans typically last a year. Many providers let you renew your plan annually, which can be useful in River Ridge for more protection against something like your air conditioner needing repairs when you require it the most.
Typically the person who owns the home is responsible for paying for the home warranty. In some cases, though, 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 River Ridge is $254,800, a home warranty can be an added asset when buying a home.
A service fee is an expense that you must pay before a repair person or contractor comes to your home to fix 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 expense that homeowners have with a home warranty in place apart from the monthly premium/annual cost unless the cost of the repair is more than the coverage cap.
Home warranties usually will not cover issues due to intentional breaking of an appliance, pre-existing conditions, lack of proper maintenance, or natural disasters. They only cover damage due to normal wear and tear. Although it doesn't cover everything, a home warranty can still be beneficial for helping you save some money in a town like River Ridge.
