Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Although homeownership in Pembroke has a great number of perks — such as being surrounded by nature — there are also not so glamorous sides. One major headache many homeowners have to deal with inevitably is replacing or repairing their home systems and appliances. A home warranty policy can help protect homeowners by cutting the costs of major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be overwhelming, since there are so many companies to choose from. That’s why the Today's Homeowner team did the research and put together a list of the best home warranty companies in Pembroke for you.
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 Pembroke, Liberty Home Guard is the most trustworthy home warranty. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are comprehensive and offer both system and appliance coverage.
Liberty Home Guard offers 3 plans for Pembroke homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
To get a free quote from Liberty Home Guard, 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
In Pembroke, Choice Home Warranty is the best overall home warranty. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are comprehensive and offer both system and appliance coverage.
Choice Home Warranty offers 2 plans for Pembroke homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, 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
In Pembroke, Select Home Warranty is the most cost-effective home warranty. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, 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 are comprehensive and offer both system and appliance coverage.
Select Home Warranty offers 3 plans for Pembroke homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Select’s plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, 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
In Pembroke, American Home Shield is the most customizable home warranty. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are comprehensive and offer both system and appliance coverage.
American Home Shield offers 3 plans for Pembroke homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, 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
In Pembroke, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage.
Cinch Home Services offers 3 plans for Pembroke homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, 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
In Pembroke, The Home Service Club is the best home warranty with the quickest service. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, 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 HSC are comprehensive and offer both system and appliance coverage.
The Home Service Club offers 2 plans for Pembroke homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, 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 | $7,127 |
| Heating | $4,752 |
| Electrical | $713 |
| Toilets | $594 |
| Washer/Dryer | $950 |
| Plumbing | $713 |
| Oven | $1,901 |
| Fridge | $713 |
A home warranty is a protection plan that helps Pembroke homeowners cut the high costs of household repairs. These plans provide financial coverage 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 finds a contractor to make the repair 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 provides peace of mind for homeowners by helping them avoid expensive emergency repairs. They're particularly useful for those who live in older homes or ones with outdated systems. Newer builds with functional appliances probably don’t require a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are dryers, refrigerators, washers, garbage disposals, dishwashers, microwaves, and more. Covered systems are normally heating, plumbing, air conditioning, and electrical. Many home warranty companies offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Most home warranty plans require Pembroke homeowners to wait 30 days before they can use the policy to pay for repairs. Additionally, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover natural disasters, cosmetic issues, pre-existing conditions, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty coverage varies, although most plans include protection for AC, electrical, plumbing, heating, and appliances. More comprehensive options may also include extra things such as spas, pools, roof leaks, and well pumps. Focus on companies with wide-ranging coverage selections including upgraded plans. Flexibility like this will help you customize protection for your home's needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for providers advertising lower service fees to optimize savings on each repair claim. Certain providers may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation can give you insight into things such as contractor quality, repair timeliness, approval rates, and customer satisfaction. Check review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Good ratings and feedback indicate a provider known for great service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. More extensive networks raise the likelihood of getting qualified contractors to your home swiftly. Contact possible providers to find out how many contractors they have in Pembroke to understand how long repairs might take in an urgent situation.
Some home warranty plans include extras such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These can add value beyond repair coverage. Added bonuses help maximize the usefulness of the home warranty.
Since temperatures in Pembroke can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Buying a home warranty policy can help homeowners save money if one of these systems or appliances stops working suddenly.
In addition, having a home warranty can save you some time by eliminating the need to research repair people — most providers will send a trusted professional right to your door to carry out the repair or replacement. Another added benefit of having home warranty coverage is that it can increase your home’s property 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 provider you purchased your home warranty through.
There are also some drawbacks to buying a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered under a manufacturer's warranty.
Another thing to consider is that some companies don’t cover pre-existing problems and may require an inspection before your coverage can start. Ask the home warranty company for clarification about this if you need more information or if this is a problem for you.
A home warranty plan costs, on average, about $300 to $600 a year in Pembroke. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by opting for a higher service fee. In addition, it's often 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 protects against normal wear and tear to home systems and appliances. Homeowners insurance protects your entire 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 air conditioner, unless the damage is due to a natural disaster, which isn't that common in Pembroke.
A home warranty plan can help real estate agents, investors, home sellers, homebuyers, and homeowners. It can provide peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in Pembroke include plans that cover either appliances or systems as well as combination plans. A combination plan will cover many of your systems and appliances, including your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the specific items mentioned in the plan.
Home warranty plans usually last a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Typically, the one who owns the home is responsible for paying 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 need to pay the service fees when using the policy. Considering that the average home value in Pembroke is $591,646, a home warranty can save you some money when buying a home.
