Written By David Cusick
Last Updated April 2024
With hot summers and cool winters, maintaining your home systems and appliances, specifically your HVAC, is very important for homeowners in Cumberland. 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 give you some peace of mind.
Finding the best warranty for your home can be difficult, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Cumberland. Read on for our home warranty recommendations.
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 Cumberland. Liberty has been on the market for over 6 years, making it a highly regarded company in the industry. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 policies 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. The coverage caps associated with Liberty’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
Read more by visiting our Liberty Home Guard Review. To get 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 Cumberland. Choice has been on the market for over 15 years, making it a highly regarded company in the industry. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
Read more by visiting our Choice Home Warranty Review. To get 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 Cumberland. Select has been on the market for over 11 years, making it a highly regarded company in the industry. 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. The 3 policies 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. The coverage caps associated with Select’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
Read more by visiting our Select Home Warranty Review. To get 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 Cumberland. AHS has been on the market for over 26 years, making it a highly regarded company in the industry. 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 policies that AHS offers include options for appliance and system coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
Read more by visiting our American Home Shield Review. 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
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 Cumberland. First American has been on the market for over 39 years, making it a highly regarded company in the industry. First American offers very affordable and comprehensive appliance coverage. Plus, it also 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 2 policies that First American offers include options for appliance and system coverage.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are around the $1,500 mark for most of the major systems and appliances, and service fees are a reasonable $85.
Read more by visiting our First American Home Warranty Review. To get 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 Cumberland. Cinch has been on the market for over 44 years, making it a highly regarded company in the industry. 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. The 3 policies 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. The coverage caps associated with Cinch’s plans are around 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 more by visiting our Cinch Home Services Review. 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
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 Cumberland. HSC has been on the market for over 15 years, making it a highly regarded company in the industry. 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 policies 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. The coverage caps associated with HSC’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
Read more by visiting our The Home Service Club Review. To get 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 | $5,519 |
Heating | $3,679 |
Electrical | $552 |
Toilets | $460 |
Washer/Dryer | $736 |
Plumbing | $552 |
Oven | $1,472 |
Fridge | $552 |
A home warranty is a protection plan that helps reduce the high costs for Cumberland homeowners needing appliance and system repairs. These plans provide coverage to fix or swap out appliances and systems that stop working due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent costly emergency repairs. Home warranties are particularly useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances may not require a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are washers, microwaves, dryers, refrigerators, dishwashers, garbage disposals, and more. Included systems are normally plumbing, air conditioning, heating, and electrical. Many home warranty companies provide add-on coverage for septic systems, central vacuums, roof leaks, and locksmiths. Cumberland homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. Additionally, most policies only address repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misusing a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Before signing a home warranty contract, you should learn key terms like:
There are several key considerations when choosing a home warranty provider:
Home warranty coverage varies, although most plans cover plumbing, AC, electrical, heating, and appliances. More inclusive plans may also provide protection for additional items such as roof leaks, pools, spas, and well pumps. Look for a provider that offers an extensive selection of coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific 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 seek out providers advertising more affordable fees to optimize savings on each repair claim. Certain companies may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's reputation can provide insight into things such as contractor quality, approval rates, repair timeliness, and customer service. Use review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Positive ratings and feedback indicate a company known for great service.
Home warranty companies keep networks of technicians to handle covered repairs. Wider networks improve the probability of getting qualified technicians to swiftly service your home. Ask potential providers how many contractors they have in Cumberland to get a sense of how quickly your repairs could happen in an emergency.
Some home warranty companies may include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These can offer extra value beyond just repair coverage. Extra bonuses allow you to enhance your home and get the most from your warranty policy.
Since temperatures in Cumberland can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Getting a home warranty policy can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
As well as saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the hassle of trying to find a qualified repair person to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair issues you may have. Another added benefit of having home warranty coverage is that it can raise your home’s property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
One drawback of signing up for a home warranty is that there are generally 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 any contracts you’re considering thoroughly to get a sense of what is included and what isn’t.
Another drawback is that home warranties may exclude some repairs, such as those needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty in Cumberland can cost between $30 and $60 a month. The higher-priced plans usually 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 agree to a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover issues with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of plan that protects your entire home from natural disasters, which might not be too much of a concern in Cumberland. It doesn't cover a typical appliance or system repairs.
Homebuyers, home sellers, landlords, homeowners, and real estate agents can all get home warranty plans. A home warranty can help make your property 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 beneficial if you need more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Home warranty plans typically offer coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Generally, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Cumberland, where the median home value is $141,076, having the seller pay for the home warranty can save you some money on your new home.