Written By David Cusick
Last Updated April 2024
Owning a house can have many perks, but it can also come with some downsides like maintenance. The older your house’s systems and appliances are, the more you may want to consider getting a home warranty. 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 significantly lower and allow you to live in your home with more peace of mind.
The home warranty market has a variety of providers — all with different coverage — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Rossville.
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 Rossville. Liberty is a home warranty provider with 6 years of experience in the industry, and it has established itself as one of the best providers in the business. Liberty has 3 simple plans, making the selection process easy. When you purchase a policy 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 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 about $3,000.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read our detailed review of Liberty Home Guard to learn more.
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 Rossville. Choice is a home warranty provider with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. Choice has 2 simple plans, making the selection process easy. When you purchase a policy 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 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 about $3,000.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read our detailed review of Choice Home Warranty to learn more.
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 Rossville. Select is a home warranty provider with 11 years of experience in the industry, and it has established itself as one of the best providers in the business. Select has 3 simple plans, making the selection process easy. When you purchase a policy 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 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 about $2,000.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read our detailed review of Select Home Warranty to learn more.
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 Rossville. AHS is a home warranty provider with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. AHS has 3 simple plans, making the selection process easy. When you purchase a policy 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 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 about $2,500.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read our detailed review of American Home Shield to learn more.
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 Rossville. First American is a home warranty provider with 39 years of experience in the industry, and it has established itself as one of the best providers in the business. First American has 2 simple plans, making the selection process easy. When you purchase a policy 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 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 about $1,500.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read our detailed review of First American Home Warranty to learn more.
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 Rossville. Cinch is a home warranty provider with 44 years of experience in the industry, and it has established itself as one of the best providers in the business. Cinch has 3 simple plans, making the selection process easy. When you purchase a policy 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 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 about $1,000-$2,000.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read our detailed review of Cinch Home Services to learn more.
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 Rossville. HSC is a home warranty provider with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. HSC has 2 simple plans, making the selection process easy. When you purchase a policy 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 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 about $2,000.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read our detailed review of The Home Service Club to learn more.
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 | $6,372 |
Heating | $4,248 |
Electrical | $637 |
Toilets | $531 |
Washer/Dryer | $850 |
Plumbing | $637 |
Oven | $1,699 |
Fridge | $637 |
A home warranty is a protection policy that assists Rossville homeowners in reducing the expenses of appliance and system repairs. The plans provide financial coverage to swap out or repair appliances and systems that malfunction 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 replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent expensive emergency repairs. Home warranties are especially useful for older houses or those with aging systems. New homes with modern appliances might not need a home warranty.
Home warranties cover many home systems and appliances. Warranties usually cover appliances such as refrigerators, microwaves, dryers, dishwashers, garbage disposals, washers, and others. Covered systems include electrical, plumbing, air conditioning, and heating. Many home warranty providers also offer additional coverage for septic systems, locksmiths, central vacuums, and roof leaks. Most home warranty plans require Rossville homeowners to wait 30 days before they can use the policy to pay for repairs. Moreover, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Before signing a home warranty contract, you should learn key terms like:
There are several important considerations when selecting a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans provide coverage for electrical, AC, heating, plumbing, and appliances. More inclusive options also cover other items such as pools, roof leaks, spas, and well pumps. Look for a provider that offers comprehensive coverage choices, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for providers advertising lower service fees to optimize savings on each repair claim. Certain companies may waive deductibles if homeowners don't submit any claims within a set period of time.
A home warranty company's track record provides insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Positive reviews and ratings indicate a provider known for stellar service.
Home warranty companies have networks of professionals that they use to tackle covered repairs. Bigger networks increase the likelihood of getting qualified contractors to your home quickly. Contact possible providers to ask how many repair professionals they have in Rossville to understand how long repairs may take in an urgent situation.
Some home warranty providers include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These extras can offer extra value beyond repair coverage. Added bonuses let you enhance your home and get the most from your warranty policy.
Rossville’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 breaks down in the middle of July, a home warranty can cover the needed repairs, saving you from spending unexpected money out of pocket.
A home warranty also saves you time and energy. Instead of spending hours finding and selecting a repair person to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. A home warranty can also yield value in other ways. For example, some policies can be transferred between owners when you sell your home.
One of the major drawbacks of home warranties is not every home system and appliance you care about may be covered. It’s important to weigh the different plans and choose one that covers all the appliances, systems, and add-ons you need.
In addition, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements 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 Rossville can cost between $30 and $60 a month. The higher-priced plans usually have higher coverage limits, a lower service fee, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty policies cover problems related to home systems and appliances that need to be repaired or replaced 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 can sometimes be a concern in Rossville. It doesn't cover a typical appliance or system breakage.
A home warranty can help real estate agents, home sellers, homeowners, homebuyers, and investors. It can provide peace of mind to anyone involved with homeownership.
A home warranty will cover your home’s systems, appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Home warranty plans typically provide coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month options as well.
Typically, 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 transferred to the new homeowner, who will pay the service fees when using the policy. In Rossville, where the median home value is $287,716, having the seller pay for the home warranty can be a good asset for your new home.