Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
There are a lot of perks of owning a home, but as your Genoa home gets older, you may find yourself needing to update or repair your systems and appliances. A home warranty in Genoa can help lower your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that break down due to normal wear and tear.
The home warranty market is filled with a lot of providers — all with different offerings — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Genoa.
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 is the most trustworthy home warranty for Genoa residents. Liberty has been in the home warranty industry for over 6 years. Liberty offers 3 plans for you to choose from. 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 Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to around $3,000 for each covered appliance or system.
For more information on this provider, read 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 is the best overall home warranty for Genoa residents. Choice has been in the home warranty industry for over 15 years. Choice offers 2 plans for you to choose from. 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 Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 for each covered appliance or system.
For more information on this provider, read 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 is the most cost-effective home warranty for Genoa residents. Select has been in the home warranty industry for over 11 years. Select offers 3 plans for you to choose from. 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 Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage limits come out to around $2,000 for each covered appliance or system.
For more information on this provider, read 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 is the most customizable home warranty for Genoa residents. AHS has been in the home warranty industry for over 26 years. AHS offers 3 plans for you to choose from. 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 American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 for each covered appliance or system.
For more information on this provider, read 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
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
First American Home Warranty is the best home warranty for appliance coverage for Genoa residents. First American has been in the home warranty industry for over 39 years. First American offers 2 plans for you to choose from. First American offers very affordable and comprehensive appliance coverage. Plus, 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.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage limits come out to around $1,500 for each covered appliance or system.
For more information on this provider, read our First American Home Warranty Review. To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
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
Cinch Home Services is the home warranty with the best workmanship guarantee for Genoa residents. Cinch has been in the home warranty industry for over 44 years. Cinch offers 3 plans for you to choose from. 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 Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 for each covered appliance or system.
For more information on this provider, read 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 is the best home warranty with the quickest service for Genoa residents. HSC has been in the home warranty industry for over 15 years. HSC offers 2 plans for you to choose from. 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 The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 for each covered appliance or system.
For more information on this provider, read 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 | $6,100 |
| Heating | $4,066 |
| Electrical | $610 |
| Toilets | $508 |
| Washer/Dryer | $813 |
| Plumbing | $610 |
| Oven | $1,627 |
| Fridge | $610 |
A home warranty is a protection plan that helps Genoa homeowners lower the expenses of appliance and system repairs. The plans offer financial 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 company then finds a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty policy gives homeowners a sense of security since it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with systems near the end of their life span. However, newer homes with appliances and fixtures in good condition may not need a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are dryers, refrigerators, microwaves, dishwashers, garbage disposals, washers, and more. Covered systems are normally air conditioning, electrical, plumbing, and heating. Many home warranty providers offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Genoa 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 cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. Make sure to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Here are some essential home warranty words to learn before signing a contract:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranties have significant variation in what they include. Basic plans typically cover plumbing, electrical, heating, AC, and appliances, while more comprehensive plans may also cover roof leaks, well pumps, spas, and pools. Focus on companies with broad coverage options including upgraded plans. Flexibility like this will help you customize protection for 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 provider with more affordable fees to maximize savings. Some companies also do away with deductibles when customers have a claim-free period.
A home warranty company's reputation can offer insight into things such as contractor quality, approval rates for claims, speed of repairs, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Good ratings and reviews indicate that a provider is known for top-tier service.
Home warranty providers have networks of technicians that they use to tackle covered repairs. Wider networks improve the probability of getting skilled contractors to your home quickly. Reach out to possible providers to learn how many technicians they have in Genoa to understand how long repairs might take in an urgent situation.
Certain home warranty providers include perks such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These provide extra value beyond repair coverage. Added perks enhance your home and help maximize your home warranty.
Since temperatures in Genoa can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Having a home warranty can help homeowners save money if one of these systems or appliances stops working all of a sudden.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of having to vet contractors on your own, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. A home warranty can also give value in other ways. For instance, some plans can be transferred to another owner during a home sale.
One of the major drawbacks of a home warranty is not everything you care about may be covered. It’s important to research the different policies and select 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 haven’t been properly maintained. This can lead to your repair requests being rejected, so it’s important to carefully follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty plan costs, on average, about $300 to $600 a year in Genoa. Our top-rated home warranty providers' 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 cheaper 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 covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects the entire home in a situation such as a natural disaster or fire. With homeowners insurance, you will not be able to file a claim if you need a new dryer or air conditioner, unless the damage is a result of a natural disaster, which isn't that common in Genoa.
Homebuyers, homeowners, landlords, real estate agents, and home sellers 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 types of home warranties in Genoa include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers your home systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items listed in the contract.
Home warranty plans typically offer coverage for 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, however, the one selling the home may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Genoa is $333,234, a home warranty can save you some money when buying a home.
