Written By David Cusick
Last Updated April 2024
Buying a home is a big step in many people’s lives, but the cost of maintaining it can get expensive over time, especially if your home in Byram is on the older side. A home warranty can give you the peace of mind you need and guard your bank account from large expenses by covering your home’s major appliances and systems.
The home warranty market is filled with many providers — all with different offerings — so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Byram.
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 Byram, Liberty Home Guard offers the most trustworthy home warranty. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
Read more by visiting our Liberty Home Guard Review. 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 Byram, Choice Home Warranty offers the best overall home warranty. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
Read more by visiting our Choice Home Warranty Review. 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 Byram, Select Home Warranty offers the most cost-effective home warranty. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: 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 many of the major systems and appliances, and service fees are a reasonable $60.
Read more by visiting our Select Home Warranty Review. 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 Byram, American Home Shield offers the most customizable home warranty. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: 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 Review. 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
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Byram, First American Home Warranty offers the best home warranty for appliance coverage. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. If you’re looking for very affordable and comprehensive appliance coverage, First American is the perfect provider for you. Plus, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are close to the $1,500 mark for many of the major systems and appliances, and service fees are a reasonable $85.
Read more by visiting our First American Home Warranty Review. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
Basic Plan
Premier Plan
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 Byram, Cinch Home Services offers the home warranty with the best workmanship guarantee. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: 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 many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
Read more by visiting our Cinch Home Services Review. 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 Byram, The Home Service Club offers the best home warranty with the quickest service. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, HSC is the perfect provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
Read more by visiting our The Home Service Club Review. 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 | $5,936 |
Heating | $3,957 |
Electrical | $594 |
Toilets | $495 |
Washer/Dryer | $791 |
Plumbing | $594 |
Oven | $1,583 |
Fridge | $594 |
A home warranty is a protection policy that helps Byram homeowners in lowering the expenses of appliance and system repairs. The plans provide coverage to replace or repair 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 provider then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent costly emergency repairs. Home warranties are the most useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances might not need a home warranty.
Home warranties cover many home systems and appliances. Warranties usually cover appliances such as refrigerators, dishwashers, dryers, garbage disposals, microwaves, washers, and others. Covered systems include electrical, plumbing, heating, and air conditioning. Many home warranty companies also provide additional coverage for roof leaks, locksmiths, central vacuums, and septic systems. Most home warranty plans require Byram homeowners to wait 30 days before they can use the policy to pay for repairs. Additionally, policies normally only cover repairs and replacements due to normal wear and tear. Home warranties don't cover natural disasters, cosmetic issues, pre-existing conditions, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some key home warranty terms to know before signing a contract:
There are several important considerations when choosing a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans cover plumbing, electrical, AC, heating, and appliances. More comprehensive plans also include protection for other items such as roof leaks, spas, pools, and well pumps. 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 needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a company with lower service fees to maximize savings on every claim. Some providers also eliminate deductibles if a customer goes a period of time without filing any claims.
A home warranty company's track record gives you insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Positive ratings and reviews indicate a provider known for stellar service.
Home warranty providers keep networks of technicians to handle covered repairs. Larger networks improve the probability of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Byram to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty providers include bonuses such as energy efficiency upgrades, smart home device protection, and maintenance discounts. These can add value beyond just repair coverage. Extra bonuses maximize the usefulness of the home warranty.
Home warranty plans are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Byram reaching an average high of 75℃F, you may find that some appliances, such as your A.C., get a lot of use. A home warranty can significantly decrease out-of-pocket costs should your HVAC system stop working.
Not only does a home warranty offer some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most. Additionally, having a home warranty can make your house more appealing to potential homebuyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your plan to a new owner and give them the same protection you’ve been benefiting from.
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 prefer to select a contractor themselves. If that’s important to you, some home warranty companies let you select a contractor.
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 policy costs, on average, around $300 to $600 a year in Byram. 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 usually cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan protects against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects the entire home in case of a situation such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim should you need a new washing machine or dishwasher, unless the damage is due to a natural disaster, which is somewhat common in Byram.
A home warranty can help homeowners, home sellers, homebuyers, real estate agents, and investors. It can provide peace of mind to anyone involved in homeownership.
A home warranty plan can cover your systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Generally, a home warranty policy lasts for a year and can be renewed annually. Some companies may offer month-to-month options.
Usually, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Byram, where the median value of a home is $203,656, having the seller pay for the home warranty can save you some money on your new home.