Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
With hot summers in Maryland City, your home systems can experience quite a bit of wear and tear. There’s nothing worse than having your air conditioning go out in the middle of summer. A home warranty in Maryland City can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that break down due to normal wear and tear.
Finding the best warranty for your home can be challenging, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Maryland City. 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 for Maryland City residents. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans that Liberty offers include options for appliance and system coverage.
The 3 plans from Liberty Home Guard are 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.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information, read our Liberty Home Guard full review.
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 Maryland City residents. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans that Choice offers include options for appliance and system coverage.
The 2 plans from Choice Home Warranty are 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.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information, read our Choice Home Warranty full review.
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 Maryland City residents. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans that Select offers include options for appliance and system coverage.
The 3 plans from Select Home Warranty are 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.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information, read our Select Home Warranty full review.
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 Maryland City residents. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans that AHS offers include options for appliance and system coverage.
The 3 plans from American Home Shield are 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.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information, read our American Home Shield full review.
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 for Maryland City residents. If you’re looking for very affordable and comprehensive appliance coverage, First American is the perfect provider 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 2 plans that First American offers include options for appliance and system coverage.
The 2 plans from First American Home Warranty are 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.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For more information, read our First American Home Warranty full review.
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 for Maryland City residents. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans that Cinch offers include options for appliance and system coverage.
The 3 plans from Cinch Home Services are 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.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information, read our Cinch Home Services full review.
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 Maryland City residents. 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, HSC is the perfect provider 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 2 plans that HSC offers include options for appliance and system coverage.
The 2 plans from The Home Service Club are 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.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information, read our The Home Service Club full review.
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 | $7,015 |
| Heating | $4,676 |
| Electrical | $701 |
| Toilets | $585 |
| Washer/Dryer | $935 |
| Plumbing | $701 |
| Oven | $1,871 |
| Fridge | $701 |
A home warranty is a protection policy that helps lower expenses for Maryland City homeowners needing appliance and system repairs. These plans provide coverage to repair or replace 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 finds 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 exceeds the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid high-priced emergency repairs. The coverage is especially helpful for buyers of older houses or houses with fixtures near the end of their life span. However, people with newer homes and modern appliances might not need a home warranty.
Home warranties help protect both your home systems and appliances. Common covered appliances include microwaves, garbage disposals, refrigerators, dryers, dishwashers, washers, and others. Covered systems include plumbing, electrical, air conditioning, and heating. Many home warranty plans also offer add-on coverage options for central vacuums, locksmiths, septic systems, and even roof leaks. It's important for Maryland City homeowners to understand most home warranty plans have a waiting period of 30 days 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, pre-existing conditions, natural disasters, or improperly using a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
Here are some essential home warranty terms to learn before signing a contract:
There are several important factors to consider when choosing a home warranty provider:
Home warranty coverage varies, although most plans include protection for heating, electrical, AC, plumbing, and appliances. More comprehensive options may also cover other things such as pools, well pumps, spas, and roof leaks. Look for a provider that offers comprehensive coverage choices, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a provider with lower service fees to maximize savings on every claim. Some providers also eliminate deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation can offer insight into things such as speed of repairs, contractor quality, approval rates for claims, and customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Positive ratings and reviews indicate that a company is known for quality service.
Home warranty companies maintain networks of technicians to handle covered repairs. Bigger networks raise the probability of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in Maryland City to get a sense of how soon your repairs could happen in an emergency.
Home warranty providers sometimes include perks such as maintenance discounts, energy efficiency upgrades, and coverage for smart home devices. These extras can add value beyond basic repair coverage. Additional perks help maximize the usefulness of your home warranty.
Maryland City’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 is designed to 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.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of vetting service technicians by yourself, home warranty providers do the work for you and send a contractor from their network right to your door when you need them. Another benefit of having a home warranty is when you’re selling your home, some providers let you transfer your home warranty plan to the new owners. It can make your house more attractive to potential homebuyers and may help your home sell faster.
As for the downsides of home warranties, coverage varies by company, so it’s important to understand what each plan covers and doesn’t include in the contract.
Another thing to keep in mind is that some companies don’t cover pre-existing damage and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about these things if you aren’t sure or if this is a problem for you.
A home warranty in Maryland City can cost between $30 and $60 a month. Higher-priced plans usually have broader coverage, higher coverage limits, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some companies will also lower your up-front costs when you agree to 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 plan covers 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 should you need a new dryer or stove, unless the damage is due to a natural disaster, which isn't that common in Maryland City.
A home warranty can help real estate agents, investors, homeowners, home sellers, and homebuyers. It can provide peace of mind to anyone involved in homeownership.
The different kinds of home warranties in Maryland City include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your home systems and appliances, such as your washing machine, drier, and HVAC. A plan that only covers appliances or systems will cover only the specific items listed in the plan.
Home warranty plans generally last a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Generally, the homeowner 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. In Maryland City, where the median home value is $474,503, having the seller pay for the home warranty can save you some money on your new home.
