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Last Updated: February 25, 2025
Buying a home is a big step for many people, but the cost of maintaining it can get expensive over time, especially if your home in Ada is on the older side. A home warranty can bring you the peace of mind you need and safeguard your savings account from unexpected expenses by covering your home’s major appliances and systems.
Finding the best warranty for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Ada. Keep reading for our top provider recommendations.
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 Ada, Liberty Home Guard is the most trustworthy home warranty. Liberty has been in the home warranty industry for about 6 years. The 3 plans from Liberty are comprehensive and offer a mix of both system and appliance 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.
Liberty Home Guard has 3 plans that offer a combination of system and appliance coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Ada area.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For a more detailed breakdown, read our review of Liberty Home Guard.
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 Ada, Choice Home Warranty is the best overall home warranty. Choice has been in the home warranty industry for about 15 years. The 2 plans from Choice are comprehensive and offer a mix of both system and appliance 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.
Choice Home Warranty has 2 plans that offer a combination of system and appliance coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Ada area.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our review of Choice Home Warranty.
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 Ada, Select Home Warranty is the most cost-effective home warranty. Select has been in the home warranty industry for about 11 years. The 3 plans from Select are comprehensive and offer a mix of both system and appliance 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.
Select Home Warranty has 3 plans that offer a combination of system and appliance coverage. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Ada area.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, read our review of Select Home Warranty.
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 Ada, American Home Shield is the most customizable home warranty. AHS has been in the home warranty industry for about 26 years. The 3 plans from AHS are comprehensive and offer a mix of both system and appliance 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.
American Home Shield has 3 plans that offer a combination of system and appliance coverage. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Ada area.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For a more detailed breakdown, read our review of American Home Shield.
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 Ada, First American Home Warranty is the best home warranty for appliance coverage. First American has been in the home warranty industry for about 39 years. The 2 plans from First American are comprehensive and offer a mix of both system and appliance coverage. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also 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 Home Warranty has 2 plans that offer a combination of system and appliance coverage. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Ada area.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For a more detailed breakdown, read our review of First American Home Warranty.
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 Ada, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for about 44 years. The 3 plans from Cinch are comprehensive and offer a mix of both system and appliance 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.
Cinch Home Services has 3 plans that offer a combination of system and appliance coverage. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Ada area.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read our review of Cinch Home Services.
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 Ada, The Home Service Club is the best home warranty with the quickest service. HSC has been in the home warranty industry for about 15 years. The 2 plans from HSC are comprehensive and offer a mix of both system and appliance 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 Home Service Club has 2 plans that offer a combination of system and appliance coverage. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Ada area.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For a more detailed breakdown, read our review of The Home Service Club.
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 | $6,316 |
| Heating | $4,211 |
| Electrical | $632 |
| Toilets | $526 |
| Washer/Dryer | $842 |
| Plumbing | $632 |
| Oven | $1,684 |
| Fridge | $632 |
A home warranty is a protection plan that assists Ada homeowners lower the high costs of household repairs. These plans offer financial protection to repair or replace appliances and systems that stop working from normal wear and tear. Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty delivers security for homeowners by helping them prevent expensive emergency fixes. They're particularly valuable for those who own older homes or ones with aging systems. More modern homes with working appliances probably don’t need a home warranty.
Home warranties cover your household systems and appliances. Covered appliances typically include washers, microwaves, dishwashers, dryers, garbage disposals, refrigerators, and others. Covered systems include plumbing, air conditioning, electrical, and heating. Many home warranty providers also offer additional coverage for locksmiths, central vacuums, septic systems, and roof leaks. Ada 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 help pay for repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or improperly using a system or appliance. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before signing a home warranty contract, you should learn key terms like:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty plans differ significantly in terms of coverage. Most plans provide protection for electrical, AC, heating, plumbing, and appliances. More robust plans also extend protection to other items such as spas, roof leaks, well pumps, 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.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for providers advertising lower service fees to optimize savings on each repair claim. Certain companies may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's rating provides insight into things such as claim approval rates, timeliness of repairs, contractor quality, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Positive reviews and ratings indicate a company known for stellar service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Contact potential providers to ask how many repair professionals they have in Ada and get an idea of how quickly your repairs could be handled in an emergency. Wider networks increase the chance of getting qualified contractors to swiftly service your home.
Some home warranty companies include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These can offer extra value beyond just repair coverage. Extra bonuses let you enhance your home and get the most from your warranty policy.
Ada’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty will cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the needed repairs, preventing you from spending a lot of money out of pocket.
Additionally, having a home warranty can save you some time by getting rid of the need to research contractors — most providers will send a trusted professional right to your door to carry out the necessary repair or replacement. Another good thing about having a home warranty is if you want to sell your home, you can most likely transfer your home warranty policy to the new owners. This can make your house more attractive to potential homebuyers and may help your home sell faster.
Home warranties also have some drawbacks. Though it can give you less to worry about since the home warranty sends out a contractor who handles the repair for you, some homeowners may not like this, and they may want to choose their own contractor. If that’s important to you, some home warranty companies allow you to select a contractor.
Another downside is that home warranties may not include some repairs, such as those needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty in Ada can cost between $30 and $60 a month. Higher-priced plans usually have higher coverage limits, broader coverage, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some companies will also lower your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover issues related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of plan that protects the entire home from natural disasters, which can sometimes be a concern in Ada. It doesn't cover a typical appliance or system breakage.
A home warranty plan can help real estate agents, home sellers, homebuyers, investors, and homeowners. It can provide peace of mind to anyone involved with homeownership.
A home warranty policy will cover your appliances, systems, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you want to save some money.
Generally, a home warranty plan lasts for a year and can be renewed annually. Some providers may offer month-to-month options.
Usually, the homeowner is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Ada, where the median home value is $535,880, having the seller pay for the home warranty can save you some money on your new home.
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