Written By Todays Homeowner Local Pros
Last Updated June 2023
Considering purchasing a home warranty? One of our top home warranty companies can help. Royal Oak gives homeowners some great living options and the opportunity to enjoy the snow in the winter. However, those freezing temperatures can do a number on your home's systems, such as your HVAC.
When one of your systems or appliances malfunctions, a home warranty will step in to help you cover the costs. A home warranty plan can give homeowners the peace of mind they need to feel less stressed by homeownership. Finding the best home protection plan for your Royal Oak home can be challenging, so our team at Today's Homeowner did the research to help you find the best plan that will work for your home. Read on for our home warranty company recommendations.
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 Royal Oak residents. Choice has been on the market for around 15 years, making it a respected company in the industry. The home warranty company offers 2 plans to policyholders with various system and appliance coverage options. 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. Choice's service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered appliance or system.
For a more detailed breakdown, read our comprehensive review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
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 Royal Oak, Select Home Warranty offers the most cost-effective home warranty. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, 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 Royal Oak 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 has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $60.
For more information on this provider, read our full review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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 Royal Oak residents. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: 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.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For a more detailed breakdown, read our review of American Home Shield.
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 Royal Oak residents. HSC is a home warranty provider with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. The 2 plans from HSC are easily comprehensible and offer both system and appliance coverage. 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
For more information on this provider, read our The Home Service Club full review. To get 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
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Royal Oak. Liberty has over 6 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. When you purchase a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process quick and easy.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Royal Oak area.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read our Liberty Home Guard full review to learn more.
Total Home Guard
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 Royal Oak, First American Home Warranty offers the best home warranty for 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 offers 2 plans for homeowners to decide between.
First American Home Warranty has 2 plans that offer a mix of appliance and system coverage. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Royal Oak area.
Read our First American Home Warranty full review to learn more. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
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 Royal Oak, Cinch Home Services offers the home warranty with the best workmanship guarantee. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it 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 has 3 plans that offer a mix of system and appliance coverage. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Royal Oak area.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our review of Cinch Home Services.
Built-in Systems Plan
Complete Home 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|
A home warranty is a protection plan that reduces the cost of repairs when one of your home systems or appliances has an issue. A home warranty can help homeowners who need to keep a budget in place and don't have the savings to pay for large repair or replacement expenses. Typically, about 30 days after paying for a home warranty, the coverage will start on your home systems and appliances.
For Royal Oak homeowners, it is very simple to file a claim when a problem happens with a covered appliance or system. Most home warranty companies have an online portal where you can submit a claim.
The claim is then processed, and a homeowner will pay the service fee to schedule the repair for their home. This repair will generally happen within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees range between $60 and $150.
A home warranty will cover systems and appliances that have stopped working from normal wear and tear. For instance, if your A.C. suddenly stops working under normal use conditions, your home warranty provider can help. The appliances that are typically covered under a home warranty plan include a refrigerator, dishwasher, microwave, clothes dryer, clothes washer, garbage disposal, and more. The systems included are air conditioning, ductwork, electrical systems, and plumbing.
Add-on coverage will vary from plan to plan, but you can expect to see add-ons such as pools, sump pumps, central vacuums, electronics, roof leaks, and spas.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things such as pre-existing conditions, cosmetic damages, misuse, and lack of maintenance are not included in the home warranty policy.
Temperatures in Royal Oak 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 Royal Oak, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Not only does a home warranty provide some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty deals with the research by sending trusted professionals to your door when you need them most.
Home warranties also have some downsides. Though it can be convenient that the home warranty sends out a service technician who does the repair for you, some may not like this, and they would rather choose a contractor themselves. If that's important to you, some home warranty plans let you choose a contractor.
Another drawback is that home warranties may not include some repairs, like those needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the affected systems and appliances probably won't be covered by the home warranty.
Choosing the right company for your home warranty is the first step toward protecting your home. When figuring out which home warranty provider is the best fit for you, here are some important factors to bear in mind:
Our pick for the best overall home warranty provider in Royal Oak is Choice Home Warranty, but the best company for you will depend on factors such as what appliances and systems you need to have covered.
Homebuyers, real estate agents, homeowners, home sellers, and landlords are all eligible for home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
A home warranty can protect you from high-cost repair bills, but only if you decide to purchase a good plan from a reputable company. When picking a home warranty company to go with, you should take into consideration things like its customer service and availability in your area. In addition, you should consider the coverage the company offers and what appliances and systems are covered. Homes that are on the older end and therefore may have older systems may need a higher-coverage policy.
The service fee is the price the homeowner pay each time there is an issue with a system or appliance and you file a claim with your home warranty. Service fees are commonly between $60 and $150.
A home warranty plan can cost on average anywhere from around $300 to $800 a year in Royal Oak. Our high-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. Additionally, it's often cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. The key is to compare plans to determine what you're really getting for the price.
When living in a city like Royal Oak, you may be wondering if issues like natural disasters are covered under a home warranty policy. Home warranties generally don't cover damage from natural disasters, intentional breakage, or lack of proper maintenance.