Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
With hot summers and cool winters, working home appliances and systems, particularly HVAC, are very important for homeowners in Carney. A home warranty is a way to protect your budget from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.
Choosing the best home warranty on the market can be quite 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 on the best home warranty companies in Carney.
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 Carney. Liberty has been operating for about 6 years, making it a well-respected company in the industry. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the home warranty for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000 at the maximum.
To read more, visit our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
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 Carney. Choice has been operating for about 15 years, making it a well-respected company in the industry. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the home warranty for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also generally about $3,000 at the maximum.
To read more, visit our review of Choice Home Warranty. 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
Select Home Warranty is the most cost-effective home warranty in Carney. Select has been operating for about 11 years, making it a well-respected company in the industry. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the home warranty for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally about $2,000 at the maximum.
To read more, visit our review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
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 Carney. AHS has been operating for about 26 years, making it a well-respected company in the industry. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the home warranty for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
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 about $2,500 at the maximum.
To read more, visit our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage in Carney. First American has been operating for about 39 years, making it a well-respected company in the industry. If you’re looking for very affordable and comprehensive appliance coverage, this is the home warranty for you. Plus, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also generally about $1,500 at the maximum.
To read more, visit our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
Basic Plan
Premier Plan
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 Carney. Cinch has been operating for about 44 years, making it a well-respected company in the industry. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the home warranty for you. 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, which have various system and appliance coverage options.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally about $1,000-$2,000 at the maximum.
To read more, visit our review of Cinch Home Services. 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
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 Carney. HSC has been operating for about 15 years, making it a well-respected company in the industry. 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, this is the home warranty for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally about $2,000 at the maximum.
To read more, visit our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
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 | $6,356 |
| Heating | $4,237 |
| Electrical | $636 |
| Toilets | $530 |
| Washer/Dryer | $847 |
| Plumbing | $636 |
| Oven | $1,695 |
| Fridge | $636 |
A home warranty is a protection policy that helps Carney homeowners cut the costs of appliance and system repairs. The plans provide financial coverage to fix or swap out 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 finds 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 homeowners reassurance by helping avoid high-priced emergency repairs. The coverage is especially helpful for owners of older houses or houses with systems near the end of their life span. However, homeowners with newer homes and modern appliances might not need a home warranty.
Home warranties cover your home's systems and appliances. Common covered appliances are dryers, refrigerators, garbage disposals, microwaves, washers, dishwashers, and others. Covered systems include air conditioning, plumbing, heating, and electrical. Various home warranty plans offer add-on coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Carney homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or improperly using a system or appliance. Make sure to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Here are some essential home warranty terms to know before signing a contract:
There are several key factors to consider when selecting a home warranty provider:
Home warranties differ greatly in the items covered. Basic policies typically include plumbing, heating, AC, electrical, and appliances, while more comprehensive options may also cover well pumps, pools, roof leaks, and spas. Focus on companies with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize protection for your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using providers with lower service fees to maximize savings. Some companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's reputation can give you insight into things such as repair timeliness, contractor quality, approval rates, and customer service. Use review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Good ratings and feedback indicate a company known for great service.
Home warranty providers keep networks of contractors to handle covered repairs. Larger networks improve the likelihood of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Carney to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty providers include bonuses such as energy efficiency upgrades, smart home device protection, and maintenance discounts. These can add value beyond just repair coverage. Added bonuses maximize the usefulness of the home warranty.
Carney’s relatively mild winters and hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the needed repairs, saving you from spending unexpected money out of pocket.
As well as saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the headache of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair problems you may experience. Another good thing about having a home warranty is if you want to sell 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 home sell faster.
One disadvantage of purchasing a home warranty is that there are generally exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it’s important to read through any contracts you’re considering carefully to understand what is included and what isn’t.
Another potential pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your claims being denied, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty plan costs, on average, about $300 to $600 a year in Carney. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. In addition, 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 your home in a situation such as a natural disaster or fire. With homeowners insurance, you will not be able to file a claim should you need a new washing machine or dishwasher, unless the damage is due to a natural disaster, which is somewhat common in Carney.
Homebuyers, landlords, real estate agents, homeowners, and home sellers can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
A home warranty policy can cover your home’s appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Generally, a home warranty plan offers coverage for a year and can be renewed annually. Some providers may offer month-to-month options.
In general, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Carney, where the median value of a home is $322,242, having the seller pay for the home warranty can save you some money on your new home.
