Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
As much as you may enjoy homeownership in Takoma Park, there's always that concern about whether your systems and appliances are going to need repairs over the next few years. A home warranty is a way to protect your savings account 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.
Finding the best warranty for your home can be challenging, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Takoma Park. Keep reading 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
In Takoma Park, Liberty Home Guard offers the most trustworthy home warranty. The 3 home warranty plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our full review of Liberty Home Guard.
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 Takoma Park, Choice Home Warranty offers the best overall home warranty. The 2 home warranty plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our full review of Choice Home Warranty.
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 Takoma Park, Select Home Warranty offers the most cost-effective home warranty. The 3 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our full review of Select Home Warranty.
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 Takoma Park, American Home Shield offers the most customizable home warranty. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our full review of American Home Shield.
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 Takoma Park, First American Home Warranty offers the best home warranty for appliance coverage. The 2 home warranty plans that First American offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are close to the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read more by visiting our full review of First American Home Warranty.
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 Takoma Park, Cinch Home Services offers the home warranty with the best workmanship guarantee. The 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our full review of Cinch Home Services.
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 Takoma Park, The Home Service Club offers the best home warranty with the quickest service. The 2 home warranty plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from HSC, you can benefit from 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our full review of The Home Service Club.
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 | $6,935 |
| Heating | $4,623 |
| Electrical | $694 |
| Toilets | $578 |
| Washer/Dryer | $925 |
| Plumbing | $694 |
| Oven | $1,849 |
| Fridge | $694 |
A home warranty is a protection plan that assists Takoma Park homeowners reduce the costs of appliance and system repairs. The plans offer financial coverage to fix or swap out 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 provider then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty delivers peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly useful for those who own older homes or ones with outdated systems. More modern homes with functional fixtures probably don’t require a home warranty.
Home warranties cover many home systems and appliances. Typical covered appliances include dishwashers, washers, microwaves, garbage disposals, dryers, refrigerators, and more. Protected systems include electrical, heating, air conditioning, and plumbing. Various home warranty plans offer extra coverage for roof leaks, septic systems, central vacuums, and even locksmiths. Takoma Park homeowners should know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like pre-existing conditions, natural disasters, cosmetic issues, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by your policy.
Here are some essential home warranty words to know before signing a contract:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty policies can have major differences in covered items. Most plans cover plumbing, heating, electrical, AC, and appliances. More robust plans also extend protection to other items such as well pumps, spas, pools, and roof leaks. Look for providers with varied coverage options, including upgraded plans. This allows you to customize your plan to your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a company with lower service fees to maximize savings on every claim. Some companies also remove deductibles for homeowners who don't file claims in a certain period.
A home warranty company's track record gives you insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Complimentary ratings and reviews indicate a provider known for stellar service.
Home warranty companies maintain networks of technicians to handle covered repairs. More extensive networks increase the likelihood of getting qualified technicians to swiftly service your home. Contact potential providers to find out how many contractors they have in Takoma Park to get a sense of how quickly your repairs could be handled in an emergency.
Certain home warranty companies provide perks such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These bonuses offer extra value beyond repair coverage. Added perks can enhance your home and maximize your home warranty.
Takoma 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 in the event 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 necessary repairs, saving you from spending a lot of money out of pocket.
Not to mention, 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 carry out the repair or replacement. A home warranty can also give value in other ways. For example, some plans can be transferred between owners when you sell your home.
One of the major drawbacks of a home warranty is not every home system and appliance you care about may be covered. It’s important to research the different plans and opt for one that covers all the appliances, systems, and add-ons you need.
Another drawback is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your house floods, the impacted systems and appliances most likely won’t be covered by the home warranty.
A home warranty plan costs, on average, about $300 to $600 a year in Takoma Park. Our top-rated home warranty companies' 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. Additionally, it's typically cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover problems with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different plan that protects the entire home from natural disasters, which might not be too much of a concern in Takoma Park. It doesn't cover a typical appliance or system repairs.
First-time homebuyers, homeowners, landlords, real estate agents, and home sellers 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.
A home warranty plan will cover your home’s systems, appliances, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Home warranty plans generally offer coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
Typically, the one who owns the home is responsible for paying for the home warranty. In some cases, however, the one selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Takoma Park is $672,024, a home warranty can be an added asset when buying a home.
