Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
There are a lot of advantages of owning a home, but as your White Oak home gets older, you may have to update or repair your appliances and systems. A home warranty is a way to protect your bank account from unexpected expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
The home warranty market is filled with many providers — all with different plans — so our team at Today's Homeowner has done the research to help you choose the best home warranty companies in White Oak.
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 White Oak, Liberty Home Guard is the most trustworthy home warranty. Liberty has been on the market for about 6 years, making it a highly regarded company in the industry. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the home warranty for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 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 associated with Liberty’s plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
Read our comprehensive review of Liberty Home Guard to learn more. 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 White Oak, Choice Home Warranty is the best overall home warranty. Choice has been on the market for about 15 years, making it a highly regarded company in the industry. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the home warranty for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for homeowners to decide between.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
Read our comprehensive review of Choice Home Warranty to learn more. 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 White Oak, Select Home Warranty is the most cost-effective home warranty. Select has been on the market for about 11 years, making it a highly regarded company in the industry. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the home warranty for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 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 associated with Select’s plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
Read our comprehensive review of Select Home Warranty to learn more. 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 White Oak, American Home Shield is the most customizable home warranty. AHS has been on the market for about 26 years, making it a highly regarded company in the industry. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the home warranty for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 plans for homeowners to decide between.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
Read our comprehensive review of American Home Shield to learn more. 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 White Oak, First American Home Warranty is the best home warranty for appliance coverage. First American has been on the market for about 39 years, making it a highly regarded company in the industry. If you’re looking for very affordable and comprehensive appliance coverage, this is the home warranty 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. First American has 2 plans for homeowners to decide between.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are close to the $1,500 mark for many of the major systems and appliances, and service fees are a reasonable $85.
Read our comprehensive review of First American Home Warranty to learn more. 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 White Oak, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been on the market for about 44 years, making it a highly regarded company in the industry. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the home warranty for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. Cinch has 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 associated with Cinch’s plans are close to the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
Read our comprehensive review of Cinch Home Services to learn more. 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 White Oak, The Home Service Club is the best home warranty with the quickest service. HSC has been on the market for about 15 years, making it a highly regarded company in the industry. 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, this is the home warranty 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. HSC has 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 associated with HSC’s plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
Read our comprehensive review of The Home Service Club to learn more. 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 | $6,915 |
| Heating | $4,610 |
| Electrical | $692 |
| Toilets | $576 |
| Washer/Dryer | $922 |
| Plumbing | $692 |
| Oven | $1,844 |
| Fridge | $692 |
A home warranty is a protection plan that helps White Oak homeowners reduce the expenses of appliance and system repairs. The plans offer coverage to fix or replace appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then finds a contractor to handle the fix 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 plan gives homeowners peace of mind since it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include refrigerators, microwaves, dryers, washers, dishwashers, garbage disposals, and more. Covered systems are typically plumbing, air conditioning, electrical, and heating. Many home warranty companies offer add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. White Oak homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
There are several home warranty terms to understand before signing an agreement, including:
When choosing a home warranty provider, there are several important factors to consider:
Home warranties vary widely in terms of included coverage. Basic plans typically provide protection for heating, AC, plumbing, electrical, and appliances, while more comprehensive plans may also cover well pumps, spas, roof leaks, and pools. Look for providers with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which gets paid per claim you submit. The per-request costs can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some providers also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty company's reputation gives insight into things such as contractor quality, approval rates, repair timeliness, and customer satisfaction. Check review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Good ratings and feedback indicate a company known for exceptional service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. Wider networks raise the likelihood of getting skilled contractors to your home promptly. Reach out to possible providers to find out how many technicians they have in White Oak to understand how long repairs could take in an urgent situation.
Some home warranty plans provide extras such as maintenance discounts, energy efficiency upgrades, and smart home device protection. These can add value beyond repair coverage. Added bonuses can maximize the usefulness of the home warranty.
Home warranty policies are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in White Oak hitting an average high of 63℃F, you may find that certain appliances, like your air conditioner, get a lot of use. A home warranty can considerably bring down out-of-pocket costs should your HVAC system stop working.
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. Another added benefit of having home warranty coverage is that it can raise your home’s real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
Home warranties also have some drawbacks. While it can be convenient that the home warranty sends out a repair technician who does the repair for you, some may not like this, and they may want to select their own contractor. If that’s important to you, some home warranty companies let you select a contractor.
Another pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your repair requests being denied, so it’s important to carefully follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty plan costs, on average, about $300 to $600 a year in White Oak. Our high-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 less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan protects against normal wear and tear to systems and appliances in a home. Homeowners insurance protects your entire home in a situation such as a fire or natural disaster. With a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is due to a natural disaster, which isn't that common in White Oak.
A home warranty policy can help investors, homeowners, real estate agents, home sellers, and homebuyers. It can offer peace of mind and savings to anyone involved with homeownership.
The different types of home warranties in White Oak include plans that cover either appliances or systems as well as combination plans. A combination plan will cover your systems and appliances, such as your washing machine, drier, and plumbing. An appliance or system plan will cover only the specific items mentioned in the policy.
Generally, a home warranty lasts for a year and can be renewed yearly. Some companies may offer month-to-month plans.
Typically, the homeowner pays for the home warranty. In some cases, though, the person who is selling the home may purchase a home warranty plan 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 White Oak is $554,573, a home warranty can be an added asset when buying a home.
