Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Little Canada offers homeowners some beautiful living options. However, unexpected repair and replacement costs on your home’s systems and appliances can get quite pricey. A home warranty in Little Canada can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
Finding the best home warranty on the market can be overwhelming, as there are so many companies to decide between. That’s why our team at Today's Homeowner did the research and put together a list of the best home warranty companies in Little Canada 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
Liberty Home Guard is the most trustworthy home warranty in Little Canada. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. With a home warranty from Liberty, you can benefit from 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.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
To read more, visit 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
Choice Home Warranty is the best overall home warranty in Little Canada. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage. With a home warranty from Choice, you can benefit from 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
To read more, visit 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
Select Home Warranty is the most cost-effective home warranty in Little Canada. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. With a home warranty from Select, you can benefit from 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.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
To read more, visit 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
American Home Shield is the most customizable home warranty in Little Canada. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. With a home warranty from AHS, you can benefit from 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To read more, visit 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
Cinch Home Services is the home warranty with the best workmanship guarantee in Little Canada. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. With a home warranty from Cinch, you can benefit from 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.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To read more, visit 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
The Home Service Club is the best home warranty with the quickest service in Little Canada. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage. With a home warranty from HSC, you can benefit from 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.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
To read more, visit 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 | $6,342 |
| Heating | $4,228 |
| Electrical | $634 |
| Toilets | $529 |
| Washer/Dryer | $846 |
| Plumbing | $634 |
| Oven | $1,691 |
| Fridge | $634 |
A home warranty is a protection policy that assists Little Canada homeowners in lowering the expenses of appliance and system repairs. The plans provide coverage to swap out or fix appliances and systems that break down due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty company then finds 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 peace of mind to homeowners, as 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 need a home warranty.
Home warranties cover your household systems and appliances. Common covered appliances include dishwashers, washers, garbage disposals, microwaves, refrigerators, dryers, and others. Covered systems include air conditioning, plumbing, heating, and electrical. Various home warranty plans offer extra coverage for central vacuums, roof leaks, septic systems, and even locksmiths. It's important for Little Canada homeowners to 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 needed due to normal wear and tear. Home warranties don't cover problems such as natural disasters, cosmetic issues, pre-existing conditions, or damage caused by improperly using a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by your policy.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans include protection for plumbing, AC, electrical, heating, and appliances. More comprehensive plans also include protection for other items such as roof leaks, well pumps, spas, and pools. Look for providers with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles after periods where a customer files no claims.
A home warranty provider's reputation can provide insight into things such as repair timeliness, approval rates, contractor quality, and customer satisfaction. Check review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Good ratings and feedback indicate a provider known for great service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Contact potential providers to ask how many repair specialists they have in Little Canada and get an idea of how fast your repairs could be handled in an emergency. Larger networks raise the probability of getting qualified contractors to promptly service your home.
Certain home warranty providers offer perks such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These can provide extra value beyond repair coverage. Extra perks enhance your home and maximize your home warranty.
Since temperatures in Little Canada can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Buying a home warranty policy can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of vetting contractors on your own, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. A home warranty can also yield value in other ways. For instance, some policies can be transferred between owners when you sell your home.
One disadvantage of purchasing a home warranty is that there are usually exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it’s important to read over any contracts you’re considering carefully to understand what is included and what isn’t.
Another potential pain point of home warranties is that they don’t cover items that haven’t been properly maintained. This can lead to your claims being rejected, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty policy costs, on average, about $300 to $600 a year in Little Canada. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your home in case of something such as a fire or natural disaster. Under homeowners insurance, you will not be able to file a claim should you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Little Canada.
Homebuyers, real estate agents, homeowners, landlords, and home sellers can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
The different home warranties in Little Canada include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers almost all your systems and appliances, such as your washing machine, drier, and HVAC. An appliance or system plan will cover only the items mentioned in the contract.
Home warranty plans generally provide coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
Usually the homeowner is responsible for paying for the home warranty. In some cases, however, the one selling the home may buy a home warranty plan 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 Little Canada is $361,021, a home warranty can save you some money when buying a home.
