Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
If you're considering getting a home warranty, our list of the best providers in St Michael can help. Being a homeowner in St Michael is a great option for those who enjoy nature and quiet neighborhoods. However, as great as St Michael is, homeownership always comes with its fair share of headaches, such as trying to handle your home repairs yourself.
A home warranty can bring you the peace of mind you need about your home and guard your savings account from large expenses by covering your home's major systems and appliances. Because the home warranty market has a variety of providers — all with different coverage — our team at Today's Homeowner decided to do the research for you to help you find the best home warranty in St Michael.
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 St Michael. Choice is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered system or appliance.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our review of Choice Home Warranty.
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 St Michael. Select has about 11 years of industry experience and in that time has built a an network of service professionals in the country. The 3 plans from Select are comprehensive and offer both system and appliance 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.
Select Home Warranty offers 3 plans for St Michael homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select's service fees are a reasonable $60, and the coverage limits come out to around $2,000 per covered system or appliance.
Read more by visiting our review of Select Home Warranty. 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
American Home Shield is the most customizable home warranty for St Michael residents. AHS has been in the home warranty industry for over 26 years. AHS has 3 simple plans, making the selection process quick and easy. 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
Read more by visiting our American Home Shield full review. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 for St Michael residents. 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. HSC offers 2 plans for homeowners to choose from.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 per covered system or appliance.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our comprehensive review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for St Michael residents. Liberty has over 6 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. Liberty has 3 simple plans, making the selection process easy. 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.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000 at the maximum.
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 full review.
Appliance Guard
Systems Guard
Total Home Guard
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 for St Michael residents. Cinch has over 44 years of industry experience and in that time has built a an network of service technicians in the country. 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. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible.
There are 3 home warranty plans from Cinch Home Services: 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 with some plans, the coverage caps can be higher, so make sure to check with the company. 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. For a more detailed breakdown, read our Cinch Home Services full review.
Appliances Plan
Built-in Systems Plan
Complete Home 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 | $6,172 |
| Heating | $4,115 |
| Electrical | $617 |
| Toilets | $514 |
| Washer/Dryer | $823 |
| Plumbing | $617 |
| Oven | $1,646 |
| Fridge | $617 |
A home warranty is a service contract that makes it more affordable when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to keep a budget in place and don't have the savings to pay for large repair or replacement expenses. Typically, about 30 days after purchasing a home warranty, the coverage will start on your home systems and appliances.
When one of your systems or appliances has an issue, you file a claim with your home warranty provider. You can do so in an online portal or by calling customer support, and then a contractor will come and fix the problem.
At this point, you'll pay a service fee, which is generally between $60 and $150, depending on what plan you select. After the service fee is paid, a service technician will come to your home, assess the issue, and repair it. If the repair is covered under the warranty and the coverage cap is not reached, most homeowners will not have any other out-of-pocket costs .
A home warranty will cover systems and appliances from normal wear. Appliances covered under a home warranty plan are typically the microwave, refrigerator, garbage disposal, dishwasher, dryer, and more. Systems that are covered include air conditioning, heating, electrical systems, and plumbing.
Many home warranty plans also provide add-on coverage options for roof leaks, septic systems, central vacuums, and even locksmiths.
St Michael homeowners should be aware that a home warranty will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like natural disasters, misuse of a system or appliance, pre-existing conditions, or cosmetic issues. You have to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related problem will be covered by the policy.
Home warranty plans are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in St Michael reaching an average high of 53℃F, you may find that certain appliances, such as your A.C., get a lot of use. A home warranty can significantly bring down out-of-pocket costs should your HVAC system stop working.
Additionally, having a St Michael home warranty can make your house more attractive to potential homebuyers should you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the protection you've been getting.
Home warranties also have some cons. While it can save you time when the home warranty sends out a contractor who does the repair for you, some homeowners may not like this, and they would rather choose their own contractor. If that's important to you, some home warranty companies allow you to choose a contractor.
Another thing to bear in mind is that some companies don't cover pre-existing issues and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about these things if you aren't sure or if this is a problem for you.
After looking into home warranties in St Michael, your next step is to figure out which company you'd like to get a free quote from. Before deciding which home warranty to buy, here are a few other factors to keep in mind:
The best overall home warranty company in St Michael is Choice Home Warranty, but the right company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty is a type of service contract designed to give homeowners extra coverage for their household systems and appliances. These include refrigerators, dishwashers, dryers, washing machines, garbage disposals, plumbing, water heaters, heating and cooling systems, electrical systems, and sump pumps, among others. Some policies also offer coverage for roofs, ceiling fans, garage door openers, and pools. A home warranty can help you save money if these items break down unexpectedly.
A home warranty can protect you from expensive repair bills, but only if you choose a good quality plan from a reputable company. When picking a home warranty company to purchase a plan from, you should look for things like its customer service and availability in your area. In addition, you should consider the coverage the company offers and what kinds of appliances and systems are covered. Homes that have new appliances or systems can get by on a plan with less coverage.
Home warranties will cover the cost of repairs and replacements as long as it is within the coverage limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay for the rest out of pocket.
In general, the homeowner is the one who pays the premium and service fees. However, when buying 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. In St Michael, where the median value of a home is $250,397, when the seller includes a home warranty can save you some money on your new home.
Home warranties usually don't cover problems due to natural disasters, pre-existing conditions, intentional breaking of an appliance, or lack of proper maintenance. They only cover damage from normal wear and tear. Although it doesn't cover all kinds of damage, a home warranty can still be useful to help you save some money in a town like St Michael.
