Written By David Cusick
Last Updated February 2024
Being a homeowner in Severna Park is an excellent option for those who like up-and-coming areas. However, as great as Severna Park is, homeownership always comes with its fair share of headaches, such as trying to pay for your appliance and system repairs yourself. A home warranty can offer you the peace of mind you need and shield your savings account from large expenses by covering your home’s major systems and appliances.
The home warranty market is filled with many providers — all with different offerings — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Severna Park.
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
In Severna Park, Liberty Home Guard offers the most trustworthy home warranty. Liberty is a home warranty company with 6 years of experience in the industry, and it has established itself as one of the best providers in the business. When you buy a plan 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. Liberty offers 3 plans for homeowners to decide between.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Severna Park area.
For more information on this provider, read our detailed review of Liberty Home Guard. To get 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
In Severna Park, Choice Home Warranty offers the best overall home warranty. Choice is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. When you buy a plan 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. Choice offers 2 plans for homeowners to decide between.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Severna Park area.
For more information on this provider, read our detailed review of Choice Home Warranty. To get 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
In Severna Park, Select Home Warranty offers the most cost-effective home warranty. Select is a home warranty company with 11 years of experience in the industry, and it has established itself as one of the best providers in the business. When you buy a plan 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. Select offers 3 plans for homeowners to decide between.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the Severna Park area.
For more information on this provider, read our detailed review of Select Home Warranty. To get 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
In Severna Park, American Home Shield offers the most customizable home warranty. AHS is a home warranty company with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. When you buy a plan 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. AHS offers 3 plans for homeowners to decide between.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Severna Park area.
For more information on this provider, read our detailed review of American Home Shield. To get 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
In Severna Park, First American Home Warranty offers the best home warranty for appliance coverage. First American is a home warranty company with 39 years of experience in the industry, and it has established itself as one of the best providers in the business. When you buy a plan 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 offers 2 plans for homeowners to decide between.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Severna Park area.
For more information on this provider, read our detailed review of First American Home Warranty. To get 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
In Severna Park, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch is a home warranty company with 44 years of experience in the industry, and it has established itself as one of the best providers in the business. When you buy a plan 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. Cinch offers 3 plans for homeowners to decide between.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Severna Park area.
For more information on this provider, read our detailed review of Cinch Home Services. To get 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
In Severna Park, The Home Service Club offers the best home warranty with the quickest service. HSC is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. When you buy a plan 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. HSC offers 2 plans for homeowners to decide between.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Severna Park area.
For more information on this provider, read our detailed review of The Home Service Club. To get 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 | $6,920 |
Heating | $4,613 |
Electrical | $692 |
Toilets | $577 |
Washer/Dryer | $923 |
Plumbing | $692 |
Oven | $1,845 |
Fridge | $692 |
A home warranty is a protection plan that helps lower expenses for Severna Park homeowners needing appliance and system repairs. These plans provide financial coverage to repair or swap out appliances and systems that stop working due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty policy gives homeowners peace of mind since it can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are washers, dryers, microwaves, dishwashers, refrigerators, garbage disposals, and more. Covered systems are usually electrical, plumbing, heating, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. It's important for Severna Park homeowners to know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. It's important to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Here are some key home warranty words to know before signing a contract:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty policies can have major differences in covered items. Most plans provide protection for AC, plumbing, electrical, heating, and appliances. More comprehensive options also offer protection for other items such as roof leaks, well pumps, spas, and pools. Look for a company that offers an extensive selection of coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for companies advertising lower service fees to optimize savings on each repair claim. Certain companies may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty company's reputation can provide insight into things such as repair timeliness, approval rates, contractor quality, and customer service. Check review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Positive ratings and feedback indicate a provider known for great service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Contact potential providers to learn the number of repair professionals they have in Severna Park and get an idea of how quickly your repairs could be handled in an emergency. More extensive networks improve the chance of getting qualified contractors to promptly service your home.
Some home warranty companies include perks such as reduced maintenance fees, smart home device coverage, and energy efficiency upgrades. These extras can provide extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your warranty policy.
Severna Park’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 can help cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the needed repairs, saving you from spending a lot of money out of pocket.
Plus, having a home warranty can save you time by getting rid of the need to research contractors — most providers will send a trusted professional right to your door to complete the repair or replacement. In addition, though it varies by company, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your home more attractive to potential homebuyers and help your home sell faster.
There are also some negatives to purchasing a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Also, 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.
A home warranty costs, on average, around $300 to $600 a year in Severna Park. 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 choosing a higher service fee. In addition, it's typically less expensive 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 plan helps protect against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects the entire home in case of a situation such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim if you need a new dryer or oven, unless the damage is a result of a natural disaster, which isn't that common in Severna Park.
Homebuyers, real estate agents, home sellers, landlords, and homeowners are all eligible for home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
The different home warranties in Severna Park 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 items mentioned in the contract.
Home warranty plans usually last a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Generally, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Severna Park, where the median home value is $683,603, having the seller pay for the home warranty can save you some money on your new home.