Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
There are lots of advantages of owning a home, but as your Lakeville home gets older, you may have to update or repair your systems and appliances. A home warranty can offer you the peace of mind you need and safeguard your bank account from large expenses by covering your home’s major appliances and systems.
Finding the best protection 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 Lakeville. Read on 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 Lakeville, 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. Liberty has 3 plans for homeowners to choose from. When you buy a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
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 review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 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 Lakeville, 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. Choice has 2 plans for homeowners to choose from. When you buy a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
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 review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 Lakeville, 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. Select has 3 plans for homeowners to choose from. When you buy a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
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 review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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 Lakeville, 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. AHS has 3 plans for homeowners to choose from. When you buy a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
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 review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or give them a call at 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 Lakeville, 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. Cinch has 3 plans for homeowners to choose from. When you buy a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
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 review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 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 Lakeville, 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. HSC has 2 plans for homeowners to choose from. When you buy a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
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 review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,465 |
| Heating | $4,310 |
| Electrical | $647 |
| Toilets | $539 |
| Washer/Dryer | $862 |
| Plumbing | $647 |
| Oven | $1,724 |
| Fridge | $647 |
A home warranty is a protection plan that helps Lakeville homeowners in lowering the costs of appliance and system repairs. The plans offer coverage to swap out or repair appliances and systems that break down due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid high-priced emergency repairs. The coverage is particularly helpful for those living in older houses or houses with systems near the end of their life span. However, homeowners with newer homes and working appliances might not require a home warranty.
Home warranties protect your household systems and appliances. Common covered appliances are dryers, washers, garbage disposals, dishwashers, microwaves, refrigerators, and more. Covered systems include plumbing, heating, air conditioning, and electrical. Various home warranty plans offer additional coverage for central vacuums, roof leaks, septic systems, and even locksmiths. Most home warranty plans require Lakeville homeowners to wait 30 days before the plan will cover repairs. Additionally, policies usually only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover pre-existing conditions, natural disasters, cosmetic issues, 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 warranties vary widely in terms of included coverage. Basic plans typically provide protection for plumbing, electrical, AC, heating, and appliances, while more comprehensive plans may also cover roof leaks, spas, well pumps, and pools. Look for companies with varied coverage options, including upgraded plans. This helps you customize your plan to your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with lower service fees to maximize savings. Some providers also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty provider's reputation can provide insight into things such as contractor quality, approval rates, repair timeliness, and customer service. Use review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Positive ratings and feedback indicate a provider known for exceptional service.
Home warranty companies have networks of professionals that they use to tackle covered repairs. More extensive networks improve the chance of getting skilled contractors to your home promptly. Contact possible providers to ask how many technicians they have in Lakeville. This helps you understand how long repairs might take in an urgent situation.
Some home warranty companies may include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These can offer extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your home warranty.
Home warranty plans are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Lakeville reaching an average high of 53℃F, you may find that some appliances, like your air conditioning system, get a lot of use. A home warranty can significantly decrease out-of-pocket costs should your HVAC system break down.
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 providers 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 when you’re selling your home, some providers let you transfer your home warranty plan to the new owners. It can make your house more attractive to potential homebuyers and help your house sell faster.
One downside of a home warranty is that there are often exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it’s important to read through any contracts you’re considering thoroughly to understand what is included and what isn’t.
Additionally, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty costs, on average, about $300 to $600 a year in Lakeville. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's typically cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover problems with 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 your entire home from natural disasters, which can sometimes be a concern in Lakeville. It doesn't cover a normal appliance or system damage.
Homebuyers, real estate agents, homeowners, landlords, and home sellers can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
The different types of home warranties in Lakeville include plans that cover either appliances or systems as well as combination plans. A combination plan covers almost all your home 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 contract.
Generally, a home warranty policy lasts for a year and can be renewed annually. Some providers may offer month-to-month options.
Typically, the one who owns the home pays for the home warranty. In some cases, however, 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 need to pay the service fees when using the policy. Since the average home value in Lakeville is $472,278, a home warranty can save you some money when buying a home.
