Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
As much as you may enjoy owning a home in Arden Hills, there's always that worry about whether your appliances and systems are going to hold up during the next few years. A home warranty is a way to protect your savings account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Choosing the best home warranty on the market can be difficult because of the numerous options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide on the best home warranty providers in Arden Hills.
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 Arden Hills. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty offers 3 plans for you to choose from.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
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 offers the best overall home warranty in Arden Hills. 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. Choice offers 2 plans for you to choose from.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
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 offers the most cost-effective home warranty in Arden Hills. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select offers 3 plans for you to choose from.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
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 offers the most customizable home warranty in Arden Hills. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS offers 3 plans for you to choose from.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
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
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 Arden Hills. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. Cinch offers 3 plans for you to choose from.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
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 offers the best home warranty with the quickest service in Arden Hills. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC offers 2 plans for you to choose from.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
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 | $6,341 |
| Heating | $4,227 |
| Electrical | $634 |
| Toilets | $528 |
| Washer/Dryer | $845 |
| Plumbing | $634 |
| Oven | $1,691 |
| Fridge | $634 |
A home warranty is a protection plan that assists Arden Hills homeowners in reducing the expenses of appliance and system repairs. The plans provide coverage to swap out or repair appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty company then finds 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 delivers peace of mind for homeowners by helping them prevent expensive emergency repairs. They're particularly useful for those who own older homes or ones with aging systems. Newer homes with functional appliances probably don’t need a home warranty.
Home warranties cover many home systems and appliances. Covered appliances normally include dishwashers, garbage disposals, dryers, refrigerators, washers, microwaves, and more. Covered systems include heating, plumbing, air conditioning, and electrical. Many home warranty companies also provide additional coverage for septic systems, roof leaks, central vacuums, and locksmiths. Most home warranty plans require Arden Hills homeowners to wait 30 days before the plan will cover repairs. Additionally, policies typically only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranties use several terms that you'll want to learn before signing a contract, such as:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranties differ greatly in the items covered. Basic policies typically provide protection for electrical, plumbing, heating, AC, and appliances, while more comprehensive plans may also cover pools, well pumps, spas, and roof leaks. Look for a company that offers comprehensive coverage choices, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which is paid per service call made. The costs from multiple fees can add up. You may decide to look for providers with lower service 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 rating gives you insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Favorable ratings and reviews indicate a provider known for stellar service.
Home warranty companies keep networks of contractors to handle covered repairs. Larger networks improve the likelihood of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in Arden Hills to get a sense of how soon your repairs could happen in an emergency.
Certain home warranty companies provide extras such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These bonuses can offer extra value beyond repair coverage. Added perks enhance your home and maximize your home warranty.
Since temperatures in Arden Hills can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances stops working unexpectedly.
As well as saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the pain of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair issues you may experience. A home warranty can also yield value in other ways. For instance, some policies can be transferred between owners when you sell your home.
Home warranties also have some drawbacks. While it can give you less to worry about since the home warranty sends out a contractor who takes care of the repair for you, some homeowners may not like this, and they may want to choose their own contractor. If that’s important to you, some home warranty companies allow you to choose a contractor.
Another pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your repair requests being denied, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Arden Hills can cost between $30 and $60 a month. The higher-priced plans usually have higher coverage limits, broader coverage, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also decrease your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty helps protect against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in a situation such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim if you need a new refrigerator or stove, unless the damage is due to a natural disaster, which is somewhat common in Arden Hills.
A home warranty can help homeowners, real estate agents, homebuyers, investors, and home sellers. It can offer peace of mind to anyone involved with homeownership.
The different kinds of home warranties in Arden Hills include plans that cover either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, such as your refrigerator, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the specific items listed in the contract.
Home warranty plans generally provide coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
In general, 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 has to pay the service fees. In Arden Hills, where the median value of a home is $463,870, having the seller pay for the home warranty can be a good asset for your new home.
