Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Written By David Cusick
Last Updated June 2024
With frigid winters, working home systems and appliances, specifically HVAC, are very important for homeowners in Hugo. A home warranty is a way to protect your bank 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.
The home warranty market is filled with many providers — all with different offerings — so the Today's Homeowner team has compiled this guide to help you choose the best home warranty companies in Hugo.
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 Hugo. 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. Liberty offers 3 plans for homeowners to decide between.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Hugo area.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read our full review of Liberty Home Guard to learn more.
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 Hugo. 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. Choice offers 2 plans for homeowners to decide between.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Hugo area.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read our full review of Choice Home Warranty to learn more.
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 Hugo. 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. Select offers 3 plans for homeowners to decide between.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Hugo area.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read our full review of Select Home Warranty to learn more.
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 Hugo. 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. AHS offers 3 plans for homeowners to decide between.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Hugo area.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read our full review of American Home Shield to learn more.
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 Hugo. 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. Cinch offers 3 plans for homeowners to decide between.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Hugo area.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read our full review of Cinch Home Services to learn more.
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 Hugo. 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. HSC offers 2 plans for homeowners to decide between.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Hugo area.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read our full review of The Home Service Club to learn more.
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 | $6,468 |
| Heating | $4,312 |
| Electrical | $647 |
| Toilets | $539 |
| Washer/Dryer | $862 |
| Plumbing | $647 |
| Oven | $1,725 |
| Fridge | $647 |
A home warranty is a protection policy that helps cut costs for Hugo homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that break due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent costly emergency repairs. Home warranties are especially useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances may not require a home warranty.
Home warranties cover many home systems and appliances. Warranties usually cover appliances such as washers, dryers, dishwashers, garbage disposals, microwaves, refrigerators, and more. Covered systems include electrical, heating, plumbing, and air conditioning. Many home warranty companies also provide additional coverage for septic systems, roof leaks, locksmiths, and central vacuums. Most home warranty plans require Hugo homeowners to refrain from making claims for 30 days before the plan will cover repairs. Moreover, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover natural disasters, cosmetic issues, pre-existing conditions, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranties use several terms that you'll want to know before signing a contract, such as:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans provide coverage for heating, plumbing, electrical, AC, and appliances. More robust coverage options also include protection for other items such as pools, roof leaks, spas, and well pumps. Look for providers with a diverse range of coverage options, including upgraded plans. This helps you customize your plan to your 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 do away with deductibles if a customer goes a period of time without filing any claims.
A home warranty provider's rating provides insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Use third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Positive reviews and ratings indicate a company known for stellar service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. Wider networks increase the likelihood of getting skilled contractors to your home promptly. Contact possible providers to ask how many repair professionals they have in Hugo. This helps you understand how long repairs could take in an urgent situation.
Some home warranty providers may include perks such as reduced maintenance fees, smart home device coverage, and energy efficiency upgrades. These can provide extra value beyond just repair coverage. Added bonuses allow you to enhance your home and get the most from your warranty policy.
Home warranty policies are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Hugo reaching an average high of 53℃F, you may find that some appliances, such as your air conditioning system, get a lot of use. A home warranty can remarkably bring down out-of-pocket costs should your HVAC system stop working.
Not only does a home warranty give you some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a repair person and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most. Plus, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your home more attractive to potential homebuyers and maybe even help your home sell faster.
One major drawback of a home warranty is not every home system and appliance may be covered. It’s important to weigh the different plans and opt for one that covers all the appliances, systems, and add-ons you need.
Another potential pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your claims being denied, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Hugo can cost between $30 and $60 a month. Higher-priced plans tend to have a lower service fee, higher coverage limits, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some providers will also reduce your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty plans cover problems with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger plan that protects the entire home from natural disasters, which might not be too much of a concern in Hugo. It doesn't cover a typical appliance or system breakage.
A home warranty can help homebuyers, real estate agents, homeowners, home sellers, and investors. It can offer peace of mind to anyone involved in homeownership.
A home warranty policy can cover your home’s appliances, systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Generally, a home warranty lasts for a year and can be renewed annually. Some providers may offer month-to-month options.
Usually the one who owns the home pays for the home warranty. In some cases, though, the person who is selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Hugo is $420,250, a home warranty can save you some money when buying a home.
