Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a home in Lexington has many great advantages, but there are some negatives. The weather throughout the four seasons can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty policy can help protect homeowners by lowering the costs of major repairs and replacements on your home’s most important systems and appliances.
The home warranty market has a variety of providers — all with different plans — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Lexington.
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 offers the most trustworthy home warranty for Lexington residents. Liberty has been in the home warranty industry for around 6 years. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Lexington area.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. To read more, visit our Liberty Home Guard full review.
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 offers the best overall home warranty for Lexington residents. Choice has been in the home warranty industry for around 15 years. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Lexington area.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. To read more, visit our Choice Home Warranty full review.
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 Lexington residents. Select has been in the home warranty industry for around 11 years. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the Lexington area.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit our Select Home Warranty full 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 Lexington residents. AHS has been in the home warranty industry for around 26 years. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits 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 Lexington area.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our American Home Shield full review.
ShieldSilver
ShieldGold
ShieldPlatinum
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 offers the home warranty with the best workmanship guarantee for Lexington residents. Cinch has been in the home warranty industry for around 44 years. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Lexington area.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our Cinch Home Services full review.
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 offers the best home warranty with the quickest service for Lexington residents. HSC has been in the home warranty industry for around 15 years. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Lexington area.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit our The Home Service Club full review.
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 | $8,250 |
| Heating | $5,500 |
| Electrical | $825 |
| Toilets | $688 |
| Washer/Dryer | $1,100 |
| Plumbing | $825 |
| Oven | $2,200 |
| Fridge | $825 |
A home warranty is a protection plan that assists Lexington homeowners cut the high costs of household repairs. These plans offer financial protection to fix or replace appliances and systems that stop working from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty delivers peace of mind for homeowners by helping them avoid expensive emergency repairs. They're particularly useful for those who own older homes or ones with aging systems. Newer homes with functional appliances probably don’t need a home warranty.
Home warranties cover many home systems and appliances. Typical covered appliances include microwaves, refrigerators, dryers, dishwashers, washers, garbage disposals, and more. Protected systems include plumbing, air conditioning, heating, and electrical. Various home warranty plans offer additional coverage for roof leaks, septic systems, central vacuums, and even locksmiths. It's important for Lexington homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or improperly using a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Here are some key home warranty terms to understand before signing a contract:
There are several important considerations when selecting a home warranty provider:
Home warranties have significant variation in what they include. Basic plans typically include AC, heating, plumbing, electrical, and appliances, while more comprehensive plans may also cover pools, well pumps, roof leaks, and spas. Look for providers with a diverse range of coverage options, including upgraded plans. This allows you to tailor protection to your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a company with lower service fees to maximize savings on every claim. Some providers also remove deductibles for homeowners who don't file claims in a certain period.
A home warranty company's reputation can give you insight into things such as repair timeliness, approval rates, contractor quality, and customer service. Check review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty providers have networks of professionals that they use to tackle covered repairs. Bigger networks raise the probability of getting skilled contractors to your home swiftly. Contact possible providers to find out how many technicians they have in Lexington. This helps you understand how long repairs might 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 allow you to enhance your home and get the most from your warranty policy.
Lexington’s cold winters 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 a lot of money out of pocket.
In addition, having a home warranty can save you time by eliminating the need to research contractors — most companies will send a trusted professional right to your door to complete the necessary repair or replacement. Additionally, having a home warranty can help make your house more attractive to potential homebuyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the protection you’ve been benefiting from.
As for the negatives of home warranties, home system and appliance coverage varies by provider, so it’s important to understand what each policy covers and doesn’t include in the contract.
Another stipulation is that home warranties typically only cover repairs needed due to normal wear and tear. They commonly won’t cover home systems or appliances that need repairs or replacements due to natural disasters, improper maintenance, animal infestations, etc.
A home warranty in Lexington can cost between $30 and $60 a month. Higher-priced plans usually have a lower service fee, broader coverage, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some companies will also reduce your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. Homeowners insurance protects a home in case of something such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim should you need a new dryer or stove, unless the damage is a result of a natural disaster, which isn't that common in Lexington.
Homebuyers, home sellers, homeowners, real estate agents, and landlords can all get 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 kinds of home warranties in Lexington include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover almost all your systems and appliances, including your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items mentioned in the policy.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Generally, the homeowner is the one who pays 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 given to the new homeowner, who will pay the service fees. In Lexington, where the median home value is $1,443,992, having the seller pay for the home warranty can save you some money on your new home.
