Written By David Cusick
Last Updated February 2024
Homeownership in Palmer Town can be satisfying for many, but it also comes with its fair share of difficulties. Home repairs can be an unforeseen financial burden for many homeowners. A home warranty plan can help protect homeowners by lowering the costs of major repairs and replacements on your home’s most important appliances and systems.
The home warranty market has a lot of providers — all with different offerings — so the Today's Homeowner team has done the research to help you find the best home warranty companies in Palmer Town.
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 Palmer Town residents. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
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.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read more by visiting 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 Palmer Town residents. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
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.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting 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 Palmer Town residents. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. 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.
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.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting 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 Palmer Town residents. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also 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 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.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting 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 Palmer Town residents. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
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.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting 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 Palmer Town residents. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
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.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting 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 | $6,067 |
Heating | $4,045 |
Electrical | $607 |
Toilets | $506 |
Washer/Dryer | $809 |
Plumbing | $607 |
Oven | $1,618 |
Fridge | $607 |
A home warranty is a protection policy that helps Palmer Town homeowners in reducing the costs of appliance and system repairs. The plans provide coverage to replace or repair appliances and systems that stop working due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are the most useful for owners of older homes or homes with aging systems. New homes with modern appliances might not require a home warranty.
Home warranties safeguard both your home systems and appliances. Common covered appliances include washers, microwaves, garbage disposals, dryers, refrigerators, dishwashers, and more. Covered systems include heating, plumbing, electrical, and air conditioning. Many home warranty plans also offer add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. It's important for Palmer Town homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Here are some essential home warranty terms to understand before signing a contract:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans cover electrical, heating, AC, plumbing, and appliances. More inclusive options also cover other items such as well pumps, spas, roof leaks, and pools. Look for a provider that offers an extensive selection of coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and 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, some homeowners prefer to choose a provider with lower service fees to maximize savings on every claim. Some companies also remove deductibles when customers have a claim-free period.
A home warranty company's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Positive ratings and reviews indicate that a company is known for top-tier service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. Larger networks improve the probability of getting skilled contractors to your home promptly. Contact possible providers to find out how many contractors they have in Palmer Town to understand how long repairs may take in an urgent situation.
Home warranty companies sometimes offer bonuses such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These extras add value beyond just repair coverage. Additional perks can maximize the usefulness of the home warranty.
Home warranty policies are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Palmer Town hitting an average high of 56℃F, you may find that some appliances, such as your A.C., get a lot of use. A home warranty can considerably decrease out-of-pocket expenses should your HVAC system break down.
In addition to saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the headache of trying to find a qualified technician to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair problems you may have. A home warranty can also give value in other ways. For instance, some plans can be transferred between owners during a home sale.
One major drawback 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 sign up for one that covers all the appliances, systems, and add-ons you need.
Another potential pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your claims being denied, so it’s important to carefully follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Palmer Town can cost anywhere from $30 to $60 a month. The higher-priced plans tend to have higher coverage limits, broader coverage, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also lower your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects your home in case of a situation such as a fire or natural disaster. Under a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or oven, unless the damage is due to a natural disaster, which is somewhat common in Palmer Town.
First-time homebuyers, homeowners, real estate agents, landlords, and home sellers can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
The different types of home warranties in Palmer Town include plans that cover either appliances or systems as well as combination plans. A combination plan will cover your systems and appliances, including your refrigerator, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items listed in the plan.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some providers may offer month-to-month options.
Usually the person who owns the home is responsible for paying for the home warranty. In some cases, though, the home seller may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Palmer Town is $363,508, a home warranty can be an added asset when buying a home.