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Last Updated: February 25, 2025
The cost of maintaining a home in Lake Shore can be costly, particularly as your home ages and your appliances and systems need to be updated. A home warranty can help protect homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be time-consuming, since there are lots of companies to decide between. That’s why our team at Today's Homeowner did the research and compiled a list of the top home warranty companies in Lake Shore for you.
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 Lake Shore residents. Liberty has 3 plans for you to choose from. 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 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Lake Shore area.
For a more detailed breakdown, read our full review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, you can fill out this online form or call 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 offers the best overall home warranty for Lake Shore residents. Choice has 2 plans for you to choose from. 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 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Lake Shore area.
For a more detailed breakdown, read our full review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, you can 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 offers the most cost-effective home warranty for Lake Shore residents. Select has 3 plans for you to choose from. 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 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the Lake Shore area.
For a more detailed breakdown, read our full review of Select Home Warranty. To receive a free quote from Select Home Warranty, you can fill out this online form or call 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 offers the most customizable home warranty for Lake Shore residents. AHS has 3 plans for you to choose from. 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. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Lake Shore area.
For a more detailed breakdown, read our full review of American Home Shield. To receive a free quote from American Home Shield, you can fill out this online form or call 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 offers the best home warranty for appliance coverage for Lake Shore residents. First American has 2 plans for you to choose from. 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 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is less than other providers in the Lake Shore area.
For a more detailed breakdown, read our full review of First American Home Warranty. To receive a free quote from First American Home Warranty, you can fill out this online form or call 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 offers the home warranty with the best workmanship guarantee for Lake Shore residents. Cinch has 3 plans for you to choose from. 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 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Lake Shore area.
For a more detailed breakdown, read our full review of Cinch Home Services. To receive a free quote from Cinch Home Services, you can fill out this online form or call 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 offers the best home warranty with the quickest service for Lake Shore residents. HSC has 2 plans for you to choose from. 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 The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Lake Shore area.
For a more detailed breakdown, read our full review of The Home Service Club. To receive a free quote from The Home Service Club, you can fill out this online form or call 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 | $6,894 |
| Heating | $4,596 |
| Electrical | $689 |
| Toilets | $574 |
| Washer/Dryer | $919 |
| Plumbing | $689 |
| Oven | $1,838 |
| Fridge | $689 |
A home warranty is a protection plan that helps Lake Shore homeowners cut the costs of appliance and system repairs. The plans provide 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 goes over the item's coverage limit. A home warranty plan gives homeowners a sense of security and can help avoid costly emergency repairs. They can be especially helpful for buyers of older homes or homes with appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as dryers, dishwashers, washers, microwaves, garbage disposals, refrigerators, and others. Covered systems include air conditioning, plumbing, heating, and electrical. Many home warranty companies also offer additional coverage for septic systems, locksmiths, roof leaks, and central vacuums. Lake Shore should understand that most home warranty plans have a 30-day waiting period before repair claims will be approved. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or improperly using a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
There are multiple home warranty terms to know before signing an agreement, including:
When selecting a home warranty provider, there are several key factors to consider:
Home warranty coverage varies, although most plans cover heating, AC, electrical, plumbing, and appliances. More inclusive plans may also provide protection for extra things such as spas, roof leaks, pools, and well pumps. Focus on companies with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize protection for your home's needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out providers advertising lower service fees to optimize savings on each repair claim. Certain providers may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's reputation provides insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Look at review sites like the Better Business Bureau (BBB), TrustPilot, or Google Reviews to learn more about providers. Positive ratings and feedback suggest a company known for quality service.
Home warranty companies keep networks of professionals to handle covered repairs. Wider networks improve the probability of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in Lake Shore to get a sense of how quickly your repairs could happen in an emergency.
Certain home warranty providers include extras such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These bonuses offer extra value beyond repair coverage. Added perks help improve your home and help maximize your home warranty.
Temperatures in Lake Shore can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in Lake Shore, one benefit of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
As well as saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the pain of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair issues you may have. A home warranty can also give value in other ways. For instance, some plans can be transferred between owners when you sell your home.
Home warranties also have some downsides. Though it can give you less to worry about since the home warranty sends out a service technician who does the repair for you, some people may not like this, and they would prefer to select their own contractor. If that’s the case for you, some home warranty plans allow you to choose a contractor.
Plus, 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 besides normal wear and tear — the home warranty may not cover it.
A home warranty in Lake Shore can cost between $30 and $60 a month. The higher-priced plans usually have higher coverage limits, broader coverage, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some providers will also decrease your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover issues with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger plan that protects the entire home from natural disasters, which might not be too much of a concern in Lake Shore. It doesn't cover a typical appliance or system repairs.
A home warranty plan can help homeowners, real estate agents, home sellers, investors, and homebuyers. It can offer peace of mind to anyone involved in homeownership.
A home warranty can cover your 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 helpful if you're concerned about one more than the other.
Generally, a home warranty plan lasts for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Typically, the homeowner pays for the home warranty. In some cases, however, the one selling the home may buy 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. Considering that the average home value in Lake Shore is $526,502, a home warranty can be an added asset when buying a home.
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