Written By David Cusick
Last Updated February 2024
Homeownership in Scott comes with lots of perks, but it also comes with worries and concerns. Your home’s appliances and systems will eventually need repairs, and this could mean a huge expense. A home warranty can help protect homeowners by covering major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be a challenge because of the sheer number of 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 Scott.
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 for Scott residents. Liberty has about 6 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. When you buy a policy 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read our Liberty Home Guard full review to learn more.
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 for Scott residents. Choice has about 15 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. When you buy a policy 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our Choice Home Warranty full review to learn more.
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 Scott residents. Select has about 11 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. When you buy a policy 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. 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. Read our Select Home Warranty full review to learn more.
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 Scott residents. AHS has about 26 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. When you buy a policy 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our American Home Shield full review to learn more.
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 for Scott residents. Cinch has about 44 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. When you buy a policy 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our Cinch Home Services full review to learn more.
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 for Scott residents. HSC has about 15 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. When you buy a policy 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our The Home Service Club full review to learn more.
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 | $5,793 |
Heating | $3,862 |
Electrical | $579 |
Toilets | $483 |
Washer/Dryer | $772 |
Plumbing | $579 |
Oven | $1,545 |
Fridge | $579 |
A home warranty is a protection policy that assists Scott homeowners cut the costs of appliance and system repairs. The plans offer coverage to fix or replace appliances and systems that stop working due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent costly emergency repairs. Home warranties are especially useful for older construction homes with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as microwaves, washers, garbage disposals, dishwashers, refrigerators, dryers, and others. Covered systems include heating, air conditioning, plumbing, and electrical. Many home warranty companies also provide add-on coverage for roof leaks, locksmiths, septic systems, and central vacuums. Scott should understand that most home warranty plans have a 30-day waiting period before repairs are covered. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or improperly using a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Here are some key home warranty terms to understand before signing a contract:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty coverage varies, although most plans provide coverage for AC, electrical, heating, plumbing, and appliances. More extensive plans may also cover other things such as roof leaks, spas, pools, and well pumps. Look for companies with an assortment of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for providers advertising lower service fees to optimize savings on each repair claim. Certain providers may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's reputation provides insight into things such as approval rates, repair timeliness, contractor quality, and customer service. Check review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Good ratings and feedback indicate a company known for exceptional service.
Home warranty companies use networks of local repair contractors to manage repairs in a given area. Contact potential companies to ask how many repair technicians they have in Scott and get an idea of how fast your repairs could be handled in an emergency. More extensive networks increase the likelihood of getting qualified contractors to quickly service your home.
Some home warranty plans include bonuses such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These perks can add value beyond just repair coverage. Extra bonuses can maximize the usefulness of the home warranty.
Temperatures in Scott can get quite high in the summer, which means your air conditioner is most likely going to get a decent amount of use. As a homeowner in Scott, 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 have to be repaired or replaced.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of needing to vet technicians yourself, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Another benefit of having a home warranty is while selling your home, you can most likely transfer your home warranty to the new owners. It can make your house more attractive to potential homebuyers and may help your home sell faster.
One downside of purchasing a home warranty is that there are usually exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it’s important to read through any contracts you’re considering thoroughly to understand what is included and what isn’t.
In addition, if you don’t maintain your home systems or appliances properly, or if they were damaged 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 Scott can cost between $30 and $60 a month. The higher-priced plans tend to have a lower service fee, broader coverage, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some providers will also lower 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. A homeowners insurance plan protects your entire home in case of something such as a fire or natural disaster. Under homeowners insurance, you will not be able to file a claim should you need a new washing machine or oven, unless the damage is due to a natural disaster, which isn't that common in Scott.
A home warranty policy can help real estate agents, investors, home sellers, homeowners, and homebuyers. It can provide peace of mind to anyone involved in homeownership.
The different types of home warranties in Scott include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers almost all your home systems and appliances, such as your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the specific items listed in the policy.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.
Usually the one who owns the home is responsible for paying for the home warranty. In some cases, though, the home seller may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Scott is $194,642, a home warranty can save you some money when buying a home.