Our editorial team is committed to creating independent and objective content focused on helping our readers make informed decisions. To help support these efforts we receive compensation from companies that advertise with us.
The compensation we receive from these companies may impact how and where products appear on this site. This compensation does not influence the recommendations or advice our editorial team provides within our content. We do not include all companies, products or offers that may be available.
Last Updated: February 25, 2025
Homeownership in Baxter can be exciting for many, but it also comes with its fair share of headaches. Updating your home’s appliances and systems can be an unanticipated financial burden for many homeowners. A home warranty can offer you the peace of mind you need and shield your savings account from large expenses by covering your home’s major systems and appliances.
Finding the right warranty for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Baxter. Keep reading for our recommendations.
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
In Baxter, Liberty Home Guard is the most trustworthy home warranty. Liberty is a home warranty company with 6 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 plans from Liberty are easy to comprehend and have a mix of both system and appliance coverage. 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.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to about $3,000 per covered system or appliance.
Read more by visiting our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, you can 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
In Baxter, Choice Home Warranty is the best overall home warranty. Choice is a home warranty company with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. The 2 plans from Choice are easy to comprehend and have a mix of both system and appliance coverage. 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 per covered system or appliance.
Read more by visiting our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, you can 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
In Baxter, Select Home Warranty is the most cost-effective home warranty. Select is a home warranty company with 11 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 plans from Select are easy to comprehend and have a mix of both system and appliance coverage. 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.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage limits come out to about $2,000 per covered system or appliance.
Read more by visiting our review of Select Home Warranty. To receive a free quote from Select Home Warranty, you can 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
In Baxter, American Home Shield is the most customizable home warranty. AHS is a home warranty company with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 plans from AHS are easy to comprehend and have a mix of both system and appliance coverage. 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 per covered system or appliance.
Read more by visiting our review of American Home Shield. To receive a free quote from American Home Shield, you can 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
In Baxter, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch is a home warranty company with 44 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 plans from Cinch are easy to comprehend and have a mix of both system and appliance coverage. 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.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 per covered system or appliance.
Read more by visiting our review of Cinch Home Services. To receive a free quote from Cinch Home Services, you can 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
In Baxter, The Home Service Club is the best home warranty with the quickest service. HSC is a home warranty company with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. The 2 plans from HSC are easy to comprehend and have a mix of 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 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 per covered system or appliance.
Read more by visiting our review of The Home Service Club. To receive 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
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 | $5,851 |
| Heating | $3,901 |
| Electrical | $585 |
| Toilets | $488 |
| Washer/Dryer | $780 |
| Plumbing | $585 |
| Oven | $1,560 |
| Fridge | $585 |
A home warranty is a protection plan that helps Baxter homeowners in lowering the costs of appliance and system repairs. The plans provide financial coverage to swap out or fix appliances and systems that malfunction due to normal wear and tear. When something breaks down, you file 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 modern appliances may not need a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as washers, dishwashers, dryers, refrigerators, microwaves, garbage disposals, and more. Covered systems include electrical, air conditioning, heating, and plumbing. Many home warranty companies also provide add-on coverage for roof leaks, septic systems, central vacuums, and locksmiths. Baxter homeowners should know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. You need to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by your policy.
Before signing a home warranty contract, you should learn key terms like:
There are several key considerations when choosing a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans include protection for plumbing, heating, electrical, AC, and appliances. More comprehensive plans also offer coverage on other items such as roof leaks, pools, well pumps, and spas. Look for a company that offers comprehensive coverage choices, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a provider with lower service fees to maximize savings. Some companies also eliminate deductibles if a customer goes a period of time without filing any claims.
A home warranty provider's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Check review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about providers. Positive ratings and feedback suggest a company known for delivering quality service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. Larger networks improve the probability of getting qualified contractors to your home swiftly. Reach out to possible providers to learn how many technicians they have in Baxter. This helps you understand how long repairs may take in an urgent situation.
Some home warranty companies may include perks such as smart home device coverage, energy efficiency upgrades, and reduced maintenance fees. These can provide extra value beyond repair coverage. Added bonuses allow you to enhance your home and get the most from your warranty policy.
Since temperatures in Baxter can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Purchasing a home warranty can help homeowners save money if one of these systems or appliances stops working suddenly.
Not only can a home warranty give you 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 handles this process by sending trusted professionals to your door when you need them most. In addition, though home warranty companies vary, some providers will let you transfer your warranty in the event that you sell your home. This can make your home more attractive to potential homebuyers and maybe even help your home sell faster.
Home warranties also have some downsides. While it can give you less to worry about since the home warranty sends out a contractor who carries out the repair for you, some homeowners may not like this, and they would rather choose a contractor themselves. If that’s the case for you, some home warranty plans let you select a contractor.
Also, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in Baxter can cost anywhere from $30 to $60 a month. The higher-priced plans tend to have higher coverage limits, broader coverage, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some companies will also lower 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 plan covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects the entire home in case of something such as a natural disaster or fire. With 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 Baxter.
Homebuyers, landlords, home sellers, real estate agents, and homeowners 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.
The different types of home warranties in Baxter include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your systems and appliances, such as your washing machine, drier, and heating and cooling systems. A plan that only covers appliances or systems will cover only the items listed in the policy.
Generally, a home warranty lasts for a year and can be renewed yearly. Some providers may offer month-to-month options.
Typically, the person who owns the home pays for the home warranty. In some cases, however, the one selling the home may buy 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 Baxter is $343,397, a home warranty can be an added asset when buying a home.
Loading map...