Written By David Cusick
Last Updated February 2024
There are many benefits of owning a home, but as your Wayne home ages, you may need to factor in the cost of updating your systems and appliances. A home warranty can offer you the peace of mind you need and safeguard your savings account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be challenging, as there are so many companies to decide between. That’s why the Today's Homeowner team did the research and put together a list of the best home warranty companies in Wayne for you.
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 Wayne residents. Liberty is a home warranty company with 6 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Liberty are easily comprehensible and offer both system and appliance coverage. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it 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. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is lower than other providers in the Wayne area.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our thorough 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
Choice Home Warranty is the best overall home warranty for Wayne residents. Choice is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it 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. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the Wayne area.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our thorough 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
Select Home Warranty is the most cost-effective home warranty for Wayne residents. Select is a home warranty company with 11 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Select are easily comprehensible and offer both system and appliance coverage. With a home warranty from Select, you can benefit from 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.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Wayne area.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our thorough 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
American Home Shield is the most customizable home warranty for Wayne residents. AHS is a home warranty company with 26 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage. With a home warranty from AHS, you can benefit from 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Wayne area.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our thorough 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
First American Home Warranty is the best home warranty for appliance coverage for Wayne residents. First American is a home warranty company with 39 years of experience in the industry, and it has become one of the best providers in the business. The 2 plans from First American are easily comprehensible and offer both system and appliance coverage. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, 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.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is lower than other providers in the Wayne area.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read more by visiting our thorough 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
Cinch Home Services is the home warranty with the best workmanship guarantee for Wayne residents. Cinch is a home warranty company with 44 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Cinch are easily comprehensible and offer both system and appliance coverage. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it 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. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Wayne area.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our thorough 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
The Home Service Club is the best home warranty with the quickest service for Wayne residents. HSC is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. The 2 plans from HSC are easily comprehensible and offer both system and appliance coverage. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it 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. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Wayne area.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our thorough 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 | $5,826 |
Heating | $3,884 |
Electrical | $583 |
Toilets | $485 |
Washer/Dryer | $777 |
Plumbing | $583 |
Oven | $1,554 |
Fridge | $583 |
A home warranty is a protection policy that helps Wayne homeowners cut the high costs of household repairs. These plans provide financial coverage to fix or swap out appliances and systems that break down from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the fix 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 plan gives homeowners a sense of security since it can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties safeguard your home systems and appliances. Common appliances covered under a home warranty include microwaves, refrigerators, dishwashers, dryers, garbage disposals, washers, and others. Covered systems include plumbing, air conditioning, heating, and electrical. Many home warranties offer additional add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. Wayne 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 address repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or improperly using a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
There are a number of home warranty terms to know before signing an agreement, including:
There are several important factors to consider when selecting a home warranty provider:
Home warranty policies vary widely in what they include. Most plans cover heating, electrical, plumbing, AC, and appliances. More robust plans also include coverage for other items such as pools, well pumps, roof leaks, and spas. 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 repair fee that typically ranges between $60 and $100, which is paid per repair request filed. The per-request costs can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some firms also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty provider's reputation can provide insight into things such as repair timeliness, approval rates, contractor quality, and customer service. Browse review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Positive ratings and feedback indicate a provider known for exceptional service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Contact potential providers to learn the number of repair specialists they have in Wayne and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks raise the probability of getting qualified contractors to quickly service your home.
Certain home warranty companies provide extras such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These bonuses offer extra value beyond repair coverage. Extra perks help improve your home and maximize your home warranty.
Since temperatures in Wayne can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Not only does a home warranty offer some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a contractor and schedule a repair. A home warranty deals with this process by sending trusted professionals to your door when you need them most. A home warranty can also give value in other ways. For example, some policies can be transferred to another owner when you sell your home.
One drawback of purchasing a home warranty is that there are generally exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may not be included in 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 stipulation is that home warranties typically only cover malfunctions due to normal wear and tear. They often won’t cover home systems or appliances that need repairs or replacements due to natural disasters, improper maintenance, animal infestations, etc.
A home warranty policy costs, on average, about $300 to $600 a year in Wayne. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. In addition, it's usually 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 covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects your entire home in a situation such as a natural disaster or fire. With a homeowners insurance plan, you won't be able to file a claim if you need a new refrigerator or oven, unless the damage is a result of a natural disaster, which can be a threat in Wayne.
First-time homebuyers, home sellers, homeowners, real estate agents, and landlords can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
The different home warranties in Wayne include plans that cover either appliances or systems as well as combination plans. A combination plan will cover almost all your home systems and appliances, such as your washing machine, drier, and HVAC. An appliance or system plan will cover only the specific items mentioned in the contract.
Home warranty plans generally last a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Typically, the homeowner 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 need to pay the service fees when using the policy. Considering that the average home value in Wayne is $153,416, a home warranty can be an added asset when buying a home.