Written By David Cusick
Last Updated February 2024
As much as you may enjoy owning a home in Largo, there's always that fear about whether your appliances and systems are going to need to be replaced in the next few years. A home warranty can bring you the peace of mind you need and guard your savings account from large expenses by covering your home’s major systems and appliances.
Finding the best protection for your home can be difficult, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Largo. Read on for our top provider 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 Largo. Liberty has been operating for over 6 years, making it a well-respected company in the industry. Liberty has 3 plans for you to choose from. When you buy a home warranty 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 plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000.
For more information on this provider, read our detailed review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, 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 is the best overall home warranty in Largo. Choice has been operating for over 15 years, making it a well-respected company in the industry. Choice has 2 plans for you to choose from. When you buy a home warranty 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 plans that Choice offers to homeowners are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000.
For more information on this provider, read our detailed review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, 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 is the most cost-effective home warranty in Largo. Select has been operating for over 11 years, making it a well-respected company in the industry. Select has 3 plans for you to choose from. When you buy a home warranty 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 plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000.
For more information on this provider, read our detailed review of Select Home Warranty. To receive a free quote from Select Home Warranty, 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 is the most customizable home warranty in Largo. AHS has been operating for over 26 years, making it a well-respected company in the industry. AHS has 3 plans for you to choose from. When you buy a home warranty 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 plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500.
For more information on this provider, read our detailed review of American Home Shield. To receive a free quote from American Home Shield, 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 is the best home warranty for appliance coverage in Largo. First American has been operating for over 39 years, making it a well-respected company in the industry. First American has 2 plans for you to choose from. When you buy a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500.
For more information on this provider, read our detailed review of First American Home Warranty. To receive a free quote from First American Home Warranty, 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 is the home warranty with the best workmanship guarantee in Largo. Cinch has been operating for over 44 years, making it a well-respected company in the industry. Cinch has 3 plans for you to choose from. When you buy a home warranty 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 plans that Cinch offers to homeowners 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 typically about $1,000-$2,000.
For more information on this provider, read our detailed review of Cinch Home Services. To receive a free quote from Cinch Home Services, 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 is the best home warranty with the quickest service in Largo. HSC has been operating for over 15 years, making it a well-respected company in the industry. HSC has 2 plans for you to choose from. When you buy a home warranty 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 plans that HSC offers to homeowners 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 typically about $2,000.
For more information on this provider, read our detailed review of The Home Service Club. To receive a free quote from The Home Service Club, 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 | $7,009 |
Heating | $4,673 |
Electrical | $701 |
Toilets | $584 |
Washer/Dryer | $935 |
Plumbing | $701 |
Oven | $1,869 |
Fridge | $701 |
A home warranty is a protection plan that helps Largo homeowners cut the high costs of household repairs. These plans provide financial protection to repair or replace appliances and systems that break down from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company 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 provides peace of mind for homeowners by helping them avoid expensive emergency repairs. They're particularly useful for those who live in older homes or ones with aging systems. More modern homes with working appliances probably don’t need a home warranty.
Home warranties safeguard your home systems and appliances. Common covered appliances include garbage disposals, refrigerators, washers, dishwashers, dryers, microwaves, and more. Covered systems include plumbing, air conditioning, electrical, and heating. Many home warranty plans offer additional add-on coverage options for central vacuums, locksmiths, septic systems, and even roof leaks. It's important for Largo homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Before signing a home warranty contract, you should understand key terms like:
There are several important considerations when selecting a home warranty provider:
Home warranty policies differ significantly in terms of coverage. Most plans provide protection for plumbing, heating, electrical, AC, and appliances. More robust plans also extend protection to other items such as pools, spas, well pumps, and roof leaks. Look for companies with varied coverage options, including upgraded plans. This helps you tailor protection to your home's needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which is paid per service call made. The costs from multiple fees can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some firms also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty provider's rating provides insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Favorable reviews and ratings indicate a company known for stellar service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. Larger networks increase the probability of getting skilled contractors to your home quickly. Reach out to possible providers to ask how many technicians they have in Largo to understand how long repairs may take in an urgent situation.
Certain home warranty providers offer perks such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These offer extra value beyond repair coverage. Added perks help improve your home and help maximize your home warranty.
Temperatures in Largo can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a lot of use. As a homeowner in Largo, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
As well as saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the hassle of trying to find a qualified technician to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair issues you may have. Another added benefit of having a home warranty plan is that it can increase your home’s real estate 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 company you purchased your home warranty through.
Home warranties also have some drawbacks. Although it can give you less to worry about since the home warranty sends out a service technician who does the repair for you, some may not like this, and they would rather select their own contractor. If that’s the case for you, some home warranty plans let you choose a contractor.
Another pain point of home warranties is that they don’t cover systems or appliances 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 policy costs, on average, around $300 to $600 a year in Largo. Our high-rated home warranty providers' 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. 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 types of damage each covers. A home warranty protects against normal wear and tear to home systems and appliances. Homeowners insurance protects a home in case of something such as a fire or natural disaster. Under homeowners insurance, you won't be able to file a claim if you need a new refrigerator or air conditioner, unless the damage is due to a natural disaster, which is somewhat common in Largo.
First-time homebuyers, landlords, real estate agents, home sellers, and homeowners are all eligible for home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
A home warranty will cover your appliances, systems, or both. Combination plans are beneficial if you'd like 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 usually offer coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month plans as well.
Typically, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Largo, where the median home value is $393,007, having the seller pay for the home warranty can be a good asset for your new home.