Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Owning a home in Ruston has many great benefits, but there are some downsides. Hot summers can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty plan can help protect you by cutting the costs of major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be quite a challenge because of the many options out there. If you're frustrated with trying to compare them all, keep reading for our guide to the top home warranty providers in Ruston.
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 for Ruston residents. Liberty is a home warranty company with 6 years of experience in the industry, and it has become one of the best providers in the business. 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 3 home warranty plans that Liberty offers include options for appliance and system coverage.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 per covered appliance or system.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For a more detailed breakdown, read our Liberty Home Guard Review.
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 for Ruston residents. Choice is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. 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 2 home warranty plans that Choice offers include options for appliance and system coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered appliance or system.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty Review.
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 for Ruston residents. Select is a home warranty company with 11 years of experience in the industry, and it has become one of the best providers in the business. 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 3 home warranty plans that Select offers include options for appliance and system coverage.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage caps come out to around $2,000 per covered appliance or system.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For a more detailed breakdown, read our Select Home Warranty Review.
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 for Ruston residents. AHS is a home warranty company with 26 years of experience in the industry, and it has become one of the best providers in the business. 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 3 home warranty plans that AHS offers include options for appliance and system coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 per covered appliance or system.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For a more detailed breakdown, read our American Home Shield Review.
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 for Ruston residents. Cinch is a home warranty company with 44 years of experience in the industry, and it has become one of the best providers in the business. 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 3 home warranty plans that Cinch offers include options for appliance and system coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 per covered appliance or system.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For a more detailed breakdown, read our Cinch Home Services Review.
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 for Ruston residents. HSC is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. 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 2 home warranty plans that HSC offers include options for appliance and system coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 per covered appliance or system.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read our The Home Service Club Review.
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 | $5,543 |
| Heating | $3,695 |
| Electrical | $554 |
| Toilets | $462 |
| Washer/Dryer | $739 |
| Plumbing | $554 |
| Oven | $1,478 |
| Fridge | $554 |
A home warranty is a protection policy that helps Ruston homeowners lower the expenses of appliance and system repairs. The plans provide coverage to fix or swap out appliances and systems that break down due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty plan gives homeowners peace of mind and can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties cover many household systems and appliances. Covered appliances normally include garbage disposals, dryers, microwaves, dishwashers, washers, refrigerators, and others. Covered systems include plumbing, air conditioning, heating, and electrical. Many home warranty companies also provide add-on coverage for locksmiths, roof leaks, septic systems, and central vacuums. It's important for Ruston homeowners to know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, pre-existing conditions, natural disasters, or damage caused by improperly using a system or appliance. You need to keep up with preventative maintenance to ensure that your next repair or replacement is covered by your policy.
There are multiple home warranty terms to know before signing an agreement, including:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty coverage varies, although most plans cover electrical, AC, plumbing, heating, and appliances. More extensive plans may also cover additional items such as roof leaks, pools, well pumps, and spas. Look for providers with flexible coverage choices, including upgraded plans. This allows you to tailor protection to your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for providers advertising more affordable fees to optimize savings on each repair claim. Certain providers may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's reputation provides insights into factors such as claim approval rates, contractor expertise, repair speed, and customer satisfaction. Read through review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about companies. Good ratings and feedback suggest a company known for providing quality service.
Home warranty providers keep networks of technicians to handle covered repairs. Bigger networks raise the probability of getting qualified technicians to promptly service your home. Ask potential providers how many contractors they have in Ruston to get a sense of how soon your repairs could be handled in an emergency.
Certain home warranty providers offer perks such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These provide extra value beyond repair coverage. Added perks help improve your home and maximize your home warranty.
Home warranty policies are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Ruston hitting an average high of 75℃F, you may find that some appliances, such as your air conditioning unit, get a lot of use. A home warranty can considerably decrease out-of-pocket costs should your HVAC system break down.
Not only does a home warranty offer some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty handles the research by sending trusted professionals to your door when you need them most. Additionally, though it varies by company, some providers will let you transfer your warranty in the event that you sell your home. This can make your property more attractive to potential homebuyers and maybe even help your home sell faster.
One disadvantage of signing up for a home warranty is that there are usually exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it’s important to read over the contracts you’re considering carefully to get a sense of what is included and what isn’t.
Another pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your claims being rejected, so it’s important to carefully follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty plan costs, on average, around $300 to $600 a year in Ruston. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. Additionally, it's typically cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty helps protect against normal wear and tear to home systems and appliances. Homeowners insurance protects a home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim if you need a new refrigerator or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Ruston.
A home warranty policy can help homebuyers, real estate agents, home sellers, homeowners, and investors. It can provide peace of mind and savings to anyone involved with homeownership.
A home warranty will cover your systems, appliances, or both. Combination plans are beneficial 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 generally provide coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Typically, the homeowner is responsible for paying for the home warranty. In some cases, though, the one selling the home may purchase a home warranty 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 Ruston is $212,265, a home warranty can save you some money when buying a home.
