Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Buying a home is a big step for many people, but maintaining it can get expensive over time, especially if your home in Albertville is on the older side. A home warranty can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
The home warranty market has a variety of providers — all with different coverage — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in Albertville.
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 in Albertville. Liberty has more than 6 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Albertville area.
For more information on this provider, read our Liberty Home Guard full review. 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 offers the best overall home warranty in Albertville. Choice has more than 15 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Albertville area.
For more information on this provider, read our Choice Home Warranty full review. 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 offers the most cost-effective home warranty in Albertville. Select has more than 11 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Albertville area.
For more information on this provider, read our Select Home Warranty full review. 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 offers the most customizable home warranty in Albertville. AHS has more than 26 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Albertville area.
For more information on this provider, read our American Home Shield full review. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 in Albertville. Cinch has more than 44 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Albertville area.
For more information on this provider, read our Cinch Home Services full review. 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 offers the best home warranty with the quickest service in Albertville. HSC has more than 15 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Albertville area.
For more information on this provider, read our The Home Service Club full review. 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 | $6,261 |
| Heating | $4,174 |
| Electrical | $626 |
| Toilets | $522 |
| Washer/Dryer | $835 |
| Plumbing | $626 |
| Oven | $1,670 |
| Fridge | $626 |
A home warranty is a protection policy that helps Albertville homeowners in lowering the costs of appliance and system repairs. The plans offer financial coverage to swap out or fix appliances and systems that stop working 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 cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid expensive emergency repairs. The coverage is especially helpful for buyers of older houses or houses with systems near the end of their life span. However, homeowners with newer homes and working appliances might not require a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include dryers, microwaves, washers, garbage disposals, refrigerators, dishwashers, and more. Included systems are usually electrical, plumbing, air conditioning, and heating. Many home warranty companies provide add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. Albertville homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. Additionally, most policies only help pay for 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. Make sure to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Before signing a home warranty contract, you should understand key terms like:
There are several important factors to consider when choosing a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic plans typically cover AC, heating, plumbing, electrical, and appliances, while more comprehensive options may also cover well pumps, spas, roof leaks, and pools. Look for providers with flexible coverage choices, including upgraded plans. This helps you customize your plan to your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty provider's rating provides insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Favorable reviews and ratings indicate a provider known for stellar service.
Home warranty providers keep networks of local technicians to handle repairs in your area. Contact potential providers to find out how many repair contractors they have in Albertville and get an idea for how quickly your repairs could take place in an emergency situation. Bigger networks raise the likelihood of getting qualified contractors to quickly service your home.
Some home warranty plans include extras such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These can add value beyond just repair coverage. Added bonuses maximize the usefulness of the home warranty.
Home warranty plans are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Albertville reaching an average high of 53℃F, you may find that certain appliances, such as your A.C., get a lot of use. A home warranty can significantly decrease out-of-pocket costs should your HVAC system break down.
A home warranty also can also save you time and energy. Instead of spending hours finding and choosing a contractor to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. In addition, though home warranty companies vary, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your property more attractive to potential homebuyers and help your home sell faster.
One disadvantage of a home warranty is that there are generally exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may be excluded from 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 drawback is that home warranties may exclude 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.
A home warranty in Albertville can cost anywhere from $30 to $60 a month. The higher-priced plans usually have broader coverage, higher coverage limits, and a lower service fee. Home warranties are often cheaper when 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 protects against normal wear and tear to home systems and appliances. A homeowners insurance plan protects a home in case of something such as a fire or natural disaster. Under a homeowners insurance plan, you will not be able to file a claim if you need a new dryer or stove, unless the damage is a result of a natural disaster, which isn't that common in Albertville.
First-time homebuyers, homeowners, home sellers, landlords, and real estate agents are all eligible for home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
The different home warranties in Albertville include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover your systems and appliances, including your dishwasher, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items listed in the contract.
Generally, a home warranty lasts for a year and can be renewed annually. Some companies may offer month-to-month plans.
Usually the person who owns the home pays for the home warranty. In some cases, however, the home seller may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Albertville is $364,166, a home warranty can be an added asset when buying a home.
