Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Sumpter offers homeowners some great living options. However, unplanned repair and replacement costs on your home’s systems and appliances can get quite costly. A home warranty policy can help protect you by covering major repairs and replacements on your home’s most important systems and appliances.
Choosing the best home warranty on the market can be difficult because of the many options available. If you're tired of trying to compare them all, keep reading for our guide to the best home warranty companies in Sumpter.
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 in Sumpter. Liberty has 3 simple plans, making the selection process quick and easy. 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.
Liberty Home Guard offers 3 plans for Sumpter homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Sumpter area.
To read more, visit our review of Liberty Home Guard. To get a free quote from Liberty Home Guard, 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 in Sumpter. Choice has 2 simple plans, making the selection process quick and easy. 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.
Choice Home Warranty offers 2 plans for Sumpter homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Sumpter area.
To read more, visit our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, 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 in Sumpter. Select has 3 simple plans, making the selection process quick and easy. 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.
Select Home Warranty offers 3 plans for Sumpter homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the Sumpter area.
To read more, visit our review of Select Home Warranty. To get a free quote from Select Home Warranty, 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 in Sumpter. AHS has 3 simple plans, making the selection process quick and easy. 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.
American Home Shield offers 3 plans for Sumpter homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Sumpter area.
To read more, visit our review of American Home Shield. To get a free quote from American Home Shield, 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 in Sumpter. First American has 2 simple plans, making the selection process quick and easy. 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.
First American Home Warranty offers 2 plans for Sumpter homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is less than other providers in the Sumpter area.
To read more, visit our review of First American Home Warranty. To get a free quote from First American Home Warranty, 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 in Sumpter. Cinch has 3 simple plans, making the selection process quick and easy. 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.
Cinch Home Services offers 3 plans for Sumpter homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Sumpter area.
To read more, visit our review of Cinch Home Services. To get a free quote from Cinch Home Services, 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 in Sumpter. HSC has 2 simple plans, making the selection process quick and easy. 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 Home Service Club offers 2 plans for Sumpter homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Sumpter area.
To read more, visit our review of The Home Service Club. To get a free quote from The Home Service Club, 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 | $6,127 |
| Heating | $4,085 |
| Electrical | $613 |
| Toilets | $511 |
| Washer/Dryer | $817 |
| Plumbing | $613 |
| Oven | $1,634 |
| Fridge | $613 |
A home warranty is a protection plan that helps Sumpter homeowners in lowering the costs of appliance and system repairs. The plans provide financial coverage to replace or repair appliances and systems that break down due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent costly emergency repairs. Home warranties are particularly useful for older houses or those with aging systems. New homes with up-to-date appliances might not need a home warranty.
Home warranties protect your household systems and appliances. Common covered appliances include dishwashers, microwaves, refrigerators, washers, garbage disposals, dryers, and more. Protected systems include heating, air conditioning, electrical, and plumbing. Various home warranty plans offer add-on coverage for septic systems, roof leaks, central vacuums, and even locksmiths. Most home warranty plans require Sumpter homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Additionally, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Before agreeing to a home warranty contract, you should understand key terms like:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans include protection for heating, AC, electrical, plumbing, and appliances. More comprehensive plans also include protection for other items such as roof leaks, pools, spas, and well pumps. Look for companies with flexible coverage choices, including upgraded plans. This allows you to tailor protection to your home's needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per claim you submit. The costs from multiple fees can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty provider's reputation provides insights into factors such as claim approval rates, contractor expertise, repair speed, and customer satisfaction. Read through review sites like the Better Business Bureau (BBB), TrustPilot, or Google Reviews to learn more about providers. Good ratings and feedback suggest a company known for providing quality service.
Home warranty providers have networks of technicians that they use to tackle covered repairs. Wider networks increase the probability of getting qualified contractors to your home swiftly. Reach out to possible providers to learn how many repair professionals they have in Sumpter. This helps you understand how long repairs could take in an urgent situation.
Some home warranty companies provide bonuses such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These perks can add value beyond just repair coverage. Added bonuses help maximize the usefulness of your home warranty.
Sumpter’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the repairs, preventing you from spending a lot of money out of pocket.
Along with saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the hassle of trying to find a qualified repair person to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair issues you may come across. Another added benefit of having a home warranty plan is that it can increase your home’s real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
One disadvantage of getting 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 be excluded from the home warranty, so it’s important to read over the contracts you’re considering carefully to understand what is included and what isn’t.
Another consideration is that home warranties usually only cover malfunctions due to normal wear and tear. They most likely won’t cover home systems or appliances that have been damaged due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty in Sumpter can cost between $30 and $60 a month. Higher-priced plans typically have broader coverage, a lower service fee, and higher coverage limits. This cost is often lower if you pay annually instead of monthly. Some companies will also decrease your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in a situation such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is due to a natural disaster, which can be a threat in Sumpter.
A home warranty policy can help home sellers, homebuyers, real estate agents, investors, and homeowners. It can offer peace of mind to anyone involved in homeownership.
A home warranty policy will cover your systems, appliances, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some companies may offer month-to-month plans.
Generally, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Sumpter, where the median value of a home is $267,859, having the seller pay for the home warranty can be a good asset for your new home.
