Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
The cost of maintaining a home in Hastings can be costly, particularly as your home ages and your systems and appliances have to be updated. A home warranty policy can help protect homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be difficult, as there are dozens of companies to decide between. That’s why our team at Today's Homeowner did the research and put together a list of the top home warranty companies in Hastings 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
In Hastings, Liberty Home Guard is the most trustworthy home warranty. Liberty has been on the market for more than 6 years, making it a well-regarded company in the industry. Liberty has 3 simple plans, making the selection process quick and easy. 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 Home Guard offers 3 plans for Hastings homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. 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 provider. Service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read more by visiting our Liberty Home Guard Review.
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 Hastings, Choice Home Warranty is the best overall home warranty. Choice has been on the market for more than 15 years, making it a well-regarded company in the industry. Choice has 2 simple plans, making the selection process quick and easy. 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 Home Warranty offers 2 plans for Hastings homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. 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 provider. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting our Choice Home Warranty Review.
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 Hastings, Select Home Warranty is the most cost-effective home warranty. Select has been on the market for more than 11 years, making it a well-regarded company in the industry. Select has 3 simple plans, making the selection process quick and easy. 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 Home Warranty offers 3 plans for Hastings homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. 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 provider. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting our Select Home Warranty Review.
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 Hastings, American Home Shield is the most customizable home warranty. AHS has been on the market for more than 26 years, making it a well-regarded company in the industry. AHS has 3 simple plans, making the selection process quick and easy. 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.
American Home Shield offers 3 plans for Hastings homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. 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 provider. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our American Home Shield Review.
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 Hastings, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been on the market for more than 44 years, making it a well-regarded company in the industry. Cinch has 3 simple plans, making the selection process quick and easy. 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 Home Services offers 3 plans for Hastings homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. 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 provider. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting our Cinch Home Services Review.
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 Hastings, The Home Service Club is the best home warranty with the quickest service. HSC has been on the market for more than 15 years, making it a well-regarded company in the industry. HSC has 2 simple plans, making the selection process quick and easy. 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.
The Home Service Club offers 2 plans for Hastings homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. 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 provider. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting our The Home Service Club Review.
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 | $6,071 |
| Heating | $4,047 |
| Electrical | $607 |
| Toilets | $506 |
| Washer/Dryer | $809 |
| Plumbing | $607 |
| Oven | $1,619 |
| Fridge | $607 |
A home warranty is a protection policy that assists Hastings homeowners in lowering the expenses of appliance and system repairs. The plans offer coverage to swap out or fix appliances and systems that break down due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty plan gives homeowners peace of mind because it can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are dishwashers, microwaves, garbage disposals, refrigerators, washers, dryers, and more. Included systems are usually electrical, air conditioning, plumbing, and heating. Many home warranty providers offer add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. Most home warranty plans require Hastings homeowners to refrain from making claims for 30 days before the plan will cover repairs. Additionally, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
There are a number of home warranty terms to understand before signing an agreement, including:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage varies, although most plans provide coverage for AC, plumbing, heating, electrical, and appliances. More comprehensive options may also include extra things such as spas, roof leaks, well pumps, and pools. Look for a provider that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may seek out companies advertising lower service fees to optimize savings on each repair claim. Certain companies may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation can give you insight into things such as repair timeliness, approval rates, contractor quality, and customer service. Browse review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Good ratings and feedback indicate a company known for great service.
Home warranty companies maintain networks of local technicians to handle repairs in your area. Contact potential providers to find out how many repair contractors they have in Hastings and get an idea for how fast your repairs could take place in an emergency situation. Wider networks raise the chances of getting qualified contractors to quickly service your home.
Some home warranty plans offer bonuses such as energy efficiency upgrades, smart home device protection, and maintenance discounts. These perks add value beyond repair coverage. Added bonuses can maximize the usefulness of your home warranty.
Home warranties are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Hastings reaching an average high of 53℃F, you may find that some appliances, like your air conditioning unit, get a lot of use. A home warranty can considerably decrease out-of-pocket costs should your HVAC system break down.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of needing to vet technicians yourself, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Plus, though it varies by company, some providers will let you transfer your warranty in the event that you sell your home. This can make your property more attractive to potential homebuyers and maybe even help your home sell faster.
One downside of purchasing a home warranty is that there are generally exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it’s important to read over any contracts you’re considering thoroughly to understand what is included and what isn’t.
Another thing to take into consideration is that some providers don’t cover pre-existing problems and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about this if you need more information or if this is an issue for you.
A home warranty in Hastings can cost anywhere from $30 to $60 a month. Higher-priced plans typically have a lower service fee, broader coverage, and higher coverage limits. 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 kinds of damage each covers. A home warranty plan protects against normal wear and tear to home systems and appliances. Homeowners insurance protects a 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 stove, unless the damage is due to a natural disaster, which isn't that common in Hastings.
First-time homebuyers, homeowners, real estate agents, home sellers, and landlords are all eligible for home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
A home warranty policy can cover your home’s appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you want to save some money.
Home warranty plans typically offer coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Usually, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Hastings, where the median value of a home is $320,034, having the seller pay for the home warranty can be a good asset for your new home.
