Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Meridian can be costly, especially as your home ages and your systems and appliances need to be updated. A home warranty can give you the peace of mind you need and protect your bank account from large expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be quite a challenge because of the numerous options available. If you're frustrated with trying to compare them all, keep reading for our guide to the best home warranty companies in Meridian.
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 Meridian residents. The 3 plans that Liberty offers include options for appliance and system coverage. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Meridian homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage caps come out to about $3,000 per covered system or appliance.
For more information on this provider, read our detailed review of Liberty Home Guard. 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 for Meridian residents. The 2 plans that Choice offers include options for appliance and system coverage. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Meridian homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 per covered system or appliance.
For more information on this provider, read our detailed review of Choice Home Warranty. 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 for Meridian residents. The 3 plans that Select offers include options for appliance and system coverage. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you’ll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Meridian homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 per covered system or appliance.
For more information on this provider, read our detailed review of Select Home Warranty. 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 for Meridian residents. The 3 plans that AHS offers include options for appliance and system coverage. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Meridian homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 per covered system or appliance.
For more information on this provider, read our detailed review of American Home Shield. 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 offers the best home warranty for appliance coverage for Meridian residents. The 2 plans that First American offers include options for appliance and system coverage. If you’re looking for very affordable and comprehensive appliance coverage, you’ll want to have this plan on your side. Plus, it 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 offers 2 plans for Meridian homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage caps come out to about $1,500 per covered system or appliance.
For more information on this provider, read our detailed review of First American Home Warranty. 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 offers the home warranty with the best workmanship guarantee for Meridian residents. The 3 plans that Cinch offers include options for appliance and system coverage. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Meridian homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 per covered system or appliance.
For more information on this provider, read our detailed review of Cinch Home Services. 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 for Meridian residents. The 2 plans that HSC offers include options for appliance and system coverage. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you’ll want to have this plan on your side. Plus, it 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 offers 2 plans for Meridian homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 per covered system or appliance.
For more information on this provider, read our detailed review of The Home Service Club. 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 | $6,082 |
Heating | $4,055 |
Electrical | $608 |
Toilets | $507 |
Washer/Dryer | $811 |
Plumbing | $608 |
Oven | $1,622 |
Fridge | $608 |
A home warranty is a protection policy that assists Meridian homeowners cut the high costs of household repairs. These plans provide financial coverage to repair or replace appliances and systems that break down from normal wear and tear.
Homeowners submit 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 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 aging systems. Newer homes with functional appliances probably don’t need a home warranty.
Home warranties cover many household systems and appliances. Common covered appliances are dryers, microwaves, garbage disposals, dishwashers, washers, refrigerators, and others. Covered systems include electrical, heating, air conditioning, and plumbing. Various home warranty plans offer add-on coverage for roof leaks, septic systems, central vacuums, and even locksmiths. Most home warranty plans require Meridian homeowners to wait 30 days before they can use the policy to pay for repairs. Additionally, policies normally only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some essential home warranty terms to know before signing a contract:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranties vary widely in terms of included coverage. Basic policies typically include electrical, plumbing, heating, AC, and appliances, while more comprehensive plans may also cover spas, roof leaks, pools, and well pumps. Look for providers with a range of coverage choices, such as upgraded plans. You'll want to tailor your protection for your home’s needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which gets paid per service call made. The per-request costs can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some companies also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty company's reputation can offer insight into things such as speed of repairs, contractor quality, approval rates for claims, and customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Good ratings and reviews indicate that a provider is known for quality service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Reach out to potential businesses to learn the number of repair specialists they have in Meridian and get an idea of how quickly your repairs could be handled in an emergency. Wider networks improve the chance of getting qualified contractors to swiftly service your home.
Certain home warranty companies include extras such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These provide extra value beyond repair coverage. Extra perks enhance your home and maximize your home warranty.
Home warranty plans are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Meridian reaching an average high of 56℃F, you may find that certain appliances, such as your air conditioning unit, get a lot of use. A home warranty can significantly bring down out-of-pocket costs should your HVAC system break down.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of vetting service technicians by yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. A home warranty can also yield value in other ways. For example, some plans can be transferred between owners during a home sale.
One downside of signing up for a home warranty is that there are often exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it’s important to read over any contracts you’re considering thoroughly to get a sense of what is included and what isn’t.
Another possible 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 claims being rejected, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty plan costs, on average, around $300 to $600 a year in Meridian. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's often less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger plan that protects an entire home from natural disasters, which can sometimes be a concern in Meridian. It doesn't cover a normal appliance or system repairs.
First-time homebuyers, homeowners, landlords, home sellers, and real estate agents are all eligible for home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
A home warranty plan can cover your home’s 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 a good idea if you're concerned about one more than the other.
Generally, a home warranty policy lasts for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Usually the one who owns the home is responsible for paying for the home warranty. In some cases, though, the home seller may buy 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 Meridian is $270,643, a home warranty can save you some money when buying a home.