Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Fairmont comes with lots of positives, but it also comes with its difficulties. Your home’s appliances and systems will eventually need repairs, and this could mean a large expense. A home warranty can help protect homebuyers and current homeowners by reducing the costs of major repairs and replacements on your home’s most important appliances and systems.
Choosing the best home warranty on the market can be difficult because of the sheer number of options available. If you're frustrated with trying to compare them all, keep reading for our guide on the top home warranty providers in Fairmont.
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 Fairmont, Liberty Home Guard offers the most trustworthy home warranty. With a home warranty from Liberty, you can enjoy 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. Liberty has 3 simple plans, making the selection process quick and easy.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are an affordable $75.
For a more detailed breakdown, read our Liberty Home Guard full review. To receive 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
In Fairmont, Choice Home Warranty offers the best overall home warranty. With a home warranty from Choice, you can enjoy 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. Choice has 2 simple plans, making the selection process quick and easy.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are an affordable $85.
For a more detailed breakdown, read our Choice Home Warranty full review. To receive 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
In Fairmont, Select Home Warranty offers the most cost-effective home warranty. With a home warranty from Select, you can enjoy 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. Select has 3 simple plans, making the selection process quick and easy.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are a reasonable $60.
For a more detailed breakdown, read our Select Home Warranty full review. To receive 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
In Fairmont, American Home Shield offers the most customizable home warranty. With a home warranty from AHS, you can enjoy 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. AHS has 3 simple plans, making the selection process quick and easy.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read our American Home Shield full review. To receive 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
In Fairmont, Cinch Home Services offers the home warranty with the best workmanship guarantee. With a home warranty from Cinch, you can enjoy 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. Cinch has 3 simple plans, making the selection process quick and easy.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
For a more detailed breakdown, read our Cinch Home Services full review. To receive 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
In Fairmont, The Home Service Club offers the best home warranty with the quickest service. With a home warranty from HSC, you can enjoy 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. HSC has 2 simple plans, making the selection process quick and easy.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
For a more detailed breakdown, read our The Home Service Club full review. To receive 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 | $5,614 |
| Heating | $3,742 |
| Electrical | $561 |
| Toilets | $468 |
| Washer/Dryer | $748 |
| Plumbing | $561 |
| Oven | $1,497 |
| Fridge | $561 |
A home warranty is a protection plan that helps Fairmont homeowners in lowering the expenses of appliance and system repairs. The plans offer financial 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 provider then finds a contractor to handle the replacement or repair. 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 policy gives homeowners a sense of security and can help avoid costly emergency repairs. They can be especially helpful for buyers of 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 cover your home systems and appliances. Common covered appliances are dishwashers, dryers, washers, microwaves, garbage disposals, refrigerators, and more. Covered systems are normally electrical, plumbing, heating, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Fairmont homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. Additionally, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or improperly using a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Home warranties use several terms that you'll want to understand before signing a contract, such as:
There are several important considerations when selecting a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic policies typically provide protection for electrical, heating, AC, plumbing, and appliances, while more comprehensive options may also cover well pumps, roof leaks, pools, and spas. Look for a provider that offers comprehensive coverage choices, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a company with more affordable fees to maximize savings on every claim. Some companies also do away with deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation can offer insight into things such as speed of repairs, contractor quality, approval rates for claims, and customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Good ratings and reviews indicate that a provider is known for quality service.
Home warranty companies keep networks of local contractors to handle repairs in your area. Reach out to potential providers to ask how many repair technicians they have in Fairmont and get an idea for how quickly your repairs could take place in an emergency situation. Wider networks increase the likelihood of getting qualified contractors to promptly service your home.
Some home warranty providers may include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These can provide extra value beyond just repair coverage. Added bonuses help you enhance your home and get the most from your warranty policy.
Since temperatures in Fairmont can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Buying a home warranty policy can help homeowners save money if one of these systems or appliances breaks down suddenly.
A home warranty also saves you time and energy. Instead of spending hours researching and selecting a contractor to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. Another good thing about having a home warranty is if you want to sell your home, you can most likely transfer your home warranty policy to the new owners. This can make your home more attractive to potential homebuyers and may help your house sell faster.
As for the drawbacks of home warranties, coverage varies by company, so it’s important to understand what each policy covers and excludes in the contract.
Another downside is that home warranties may exclude some repairs, such as those needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty plan costs, on average, around $300 to $600 a year in Fairmont. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by opting for a higher service fee. In addition, it's typically less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty policies cover problems related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of insurance that protects your entire home from natural disasters, which can sometimes be a concern in Fairmont. It doesn't cover a normal appliance or system repairs.
A home warranty can help investors, real estate agents, homebuyers, homeowners, and home sellers. It can provide peace of mind to anyone involved with homeownership.
A home warranty policy will cover your home’s appliances, systems, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Usually the one who owns the home pays for the home warranty. In some cases, though, the home seller may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Fairmont is $157,657, a home warranty can be an added asset when buying a home.
