Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Buying a home is a big step for many people, but maintaining it can be expensive over time, especially if your home in Spencer is on the older side. A home warranty can give you the peace of mind you need and shield your bank account from large expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be challenging because of the numerous options available. If you're frustrated with trying to compare them all, keep reading for our guide on the top home warranty companies in Spencer.
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 in Spencer. Liberty has over 6 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. Liberty has 3 plans for homeowners to choose from. 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 plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
To read more, visit our Liberty Home Guard Review. To receive 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
Choice Home Warranty offers the best overall home warranty in Spencer. Choice has over 15 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. Choice has 2 plans for homeowners to choose from. 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 plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
To read more, visit our Choice Home Warranty Review. To receive 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
Select Home Warranty offers the most cost-effective home warranty in Spencer. Select has over 11 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. Select has 3 plans for homeowners to choose from. 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 plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
To read more, visit our Select Home Warranty Review. To receive 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
American Home Shield offers the most customizable home warranty in Spencer. AHS has over 26 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. AHS has 3 plans for homeowners to choose from. 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 plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To read more, visit our American Home Shield Review. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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 in Spencer. Cinch has over 44 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. Cinch has 3 plans for homeowners to choose from. 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 plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around 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 read more, visit our Cinch Home Services Review. To receive 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
The Home Service Club offers the best home warranty with the quickest service in Spencer. HSC has over 15 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. HSC has 2 plans for homeowners to choose from. 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To read more, visit our The Home Service Club Review. To receive 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 | $6,214 |
| Heating | $4,143 |
| Electrical | $621 |
| Toilets | $518 |
| Washer/Dryer | $829 |
| Plumbing | $621 |
| Oven | $1,657 |
| Fridge | $621 |
A home warranty is a protection plan that helps Spencer homeowners reduce the expenses of appliance and system repairs. The plans offer coverage to fix or replace 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 provider then finds 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 gives peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are particularly useful for older construction homes with aging systems. New homes with up-to-date appliances might not require a home warranty.
Home warranties cover many household systems and appliances. Warranties usually cover appliances such as washers, dishwashers, microwaves, refrigerators, garbage disposals, dryers, and others. Covered systems include plumbing, heating, electrical, and air conditioning. Many home warranty providers also offer additional coverage for septic systems, locksmiths, central vacuums, and roof leaks. It's important for Spencer homeowners to know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover things like pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by the policy.
There are multiple home warranty terms to know before signing an agreement, including:
When selecting a home warranty provider, there are several key factors to consider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans include protection for plumbing, electrical, heating, AC, and appliances. More comprehensive plans also cover other items such as pools, roof leaks, spas, and well pumps. Look for providers with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per service call made. The costs from multiple fees can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some firms also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's reputation gives insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Favorable reviews and ratings indicate a provider known for stellar service.
Home warranty providers have networks of professionals that they use to tackle covered repairs. Larger networks improve the likelihood of getting skilled contractors to your home quickly. Reach out to possible providers to learn how many contractors they have in Spencer to understand how long repairs could take in an urgent situation.
Some home warranty providers include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These can offer extra value beyond repair coverage. Extra bonuses let you enhance your home and get the most from your warranty policy.
Temperatures in Spencer can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a lot of use. As a homeowner in Spencer, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.
A home warranty also saves you time and energy. Instead of spending hours finding and choosing a technician 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. A home warranty can also provide value in other ways. For instance, some policies can be transferred between owners when you sell your home.
Home warranties also have some drawbacks. While it can give you less to worry about since the home warranty sends out a repair technician who takes care of the repair for you, some people may not like this, and they would rather select a contractor themselves. If that’s important to you, some home warranty companies allow you to select a contractor.
Another thing to take into consideration is that some companies don’t cover pre-existing damage and may require an inspection before your coverage can start. Ask the home warranty company for clarification about it if you aren’t sure or if this is an issue for you.
A home warranty in Spencer can cost anywhere from $30 to $60 a month. The higher-priced plans tend to have broader coverage, a lower service fee, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also reduce your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover issues with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger plan that protects the entire home from natural disasters, which can sometimes be a concern in Spencer. It doesn't cover a typical appliance or system damage.
A home warranty plan can help investors, homeowners, homebuyers, real estate agents, and home sellers. It can offer peace of mind to anyone involved with homeownership.
The different kinds of home warranties in Spencer include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers your systems and appliances, including your dishwasher, washing machine, and heating and cooling systems. An appliance or system plan will cover only the items mentioned in the plan.
Home warranty plans usually last a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Usually the one who owns the home pays 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 have to pay the service fees when using the policy. Considering that the average home value in Spencer is $399,766, a home warranty can save you some money when buying a home.
