Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Are you thinking about getting a home warranty? Try one of our recommended home warranty companies. Homeownership in Severn can be a satisfying stage in many people's lives, but it also comes with its fair share of challenges. Home repairs can be an unanticipated financial burden for many homeowners.
A home warranty can give you the peace of mind you need about your home and protect your savings account from large expenses by covering your home's major systems and appliances. Finding the best home warranties on the market can be quite a challenge because of the many options out there. If you are frustrated with trying to compare the different options, keep reading for our guide to the best home warranty providers in Severn.
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 in Severn. Choice has been in the home warranty industry for around 15 years. 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 home warranty provider offers 2 plans to policyholders, which have various options for appliance and system coverage.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Severn area.
For a more detailed breakdown, read our 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 offers the most cost-effective home warranty for Severn residents. Select has been in the home warranty business for about 11 years. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 plans for you to decide between.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read more by visiting our Select Home Warranty 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 offers the most customizable home warranty for Severn residents. AHS has been in the home warranty business for about 26 years. AHS has 3 simple plans, making the selection process quick and easy. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it 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 Severn area.
For more information on this provider, read our comprehensive review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Severn residents. HSC has more than 15 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. HSC offers 2 plans for homeowners to choose from. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it 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. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
Read our detailed review of The Home Service Club to learn more. 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
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
In Severn, Liberty Home Guard is the most trustworthy home warranty. Liberty has over 6 years of experience in the home warranty market and in that time has built a an expansive network of service technicians in the country. 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 home warranty plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
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 around $3,000.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read our Liberty Home Guard full review to learn more.
Appliance Guard
Systems Guard
Total Home Guard
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 Severn residents. First American has over 39 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. First American has 2 simple plans, making the selection process and policy coverage easily understandable.
First American Home Warranty has 2 plans that offer a mix of appliance and system coverage. 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 Severn area.
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 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
In Severn, Cinch Home Services offers the home warranty with the best workmanship guarantee. 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 are comprehensive and offer both system and appliance coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch's service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 for each covered system or appliance.
Read more by visiting our Cinch Home Services Review. 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
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 | $6,729 |
| Heating | $4,486 |
| Electrical | $673 |
| Toilets | $561 |
| Washer/Dryer | $897 |
| Plumbing | $673 |
| Oven | $1,794 |
| Fridge | $673 |
A home warranty is a service contract that reduces the cost of repairs when one of your home systems or appliances experiences a problem. A home warranty can help homeowners who need to stick to their budget and don't want to dip into their savings to pay for large repair or replacement expenses. Typically, about 30 days after paying for a home warranty, the coverage will start on your home systems and appliances.
For Severn homeowners, it is very easy to file a claim when an issue happens with a covered appliance or system. Most home warranty providers have an online portal where a claim can be submitted.
At this point, you will pay the service fee. Service fees for home warranty customers range in price from $60 to $150. Most home warranties also have a coverage cap, which is the maximum amount per appliance that the home warranty company will cover for repairs and replacements.
A home warranty will cover your home's systems and appliances from normal wear and tear. Common appliances covered by a home warranty plan include a refrigerator, dishwasher, dryer, garbage disposal, washer, microwave, and more. The systems that are usually covered will be heating, plumbing, electrical systems, and air conditioning.
Many plans also provide add-on coverage options for septic systems, locksmiths, central vacuums, and even roof leaks.
A home warranty will only cover repairs and replacements due to normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, natural disasters, intentional breakages, and pre-existing conditions are not covered with a home warranty.
Severn'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 will 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 necessary repairs, saving you from spending a lot of money out of pocket.
Not only does a home warranty offer some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a contractor and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most.
One of the major drawbacks of a home warranty is not everything may be covered. It's important to weigh the different plans and sign up for 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 were damaged due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
The first step in protecting your real estate investment with a home warranty is determining which provider's plan is right for you. Consider the items in your home you need coverage for and compare the plans. When deciding which home warranty provider is the best one for you, here are some important factors to take into account:
Our pick for the best overall home warranty company in Severn is Choice Home Warranty, but the perfect company for you will depend on factors like what appliances and systems you need coverage for.
First-time homebuyers, real estate agents, landlords, home sellers, and homeowners are all eligible for home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
The different home warranties in Severn are plans with coverage for either appliances or systems and a combination plan. A combination plan will cover your systems and appliances, such as your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover the specific appliances or systems in the contract.
A home warranty policy can protect you from high-cost repair bills, but only if you decide to purchase a quality plan from a trustworthy company. When deciding which home warranty company to go with, you should look for things like its customer service and availability in your area. In addition, you should look at the type of coverage the company offers and what types of appliances and systems are covered. Homes that have new appliances or systems can get by on a plan with less coverage.
A service fee is an expense that a homeowner must pay before a service technician or contractor comes to your home to fix your home warranty-related problem. Prices typically range between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty except for the policy's premium unless the expense is greater than the coverage cap.
A home warranty plan can cost on average anywhere from about $300 to $800 a year in Severn. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's usually less expensive to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. It's important to compare plans to determine what you're really getting for the price.
Most home warranty policies have a 30-day waiting period before you can make service requests, but some may allow you to file sooner so make sure you check with the company about this.
