Our editorial team is committed to creating independent and objective content focused on helping our readers make informed decisions. To help support these efforts we receive compensation from companies that advertise with us.
The compensation we receive from these companies may impact how and where products appear on this site. This compensation does not influence the recommendations or advice our editorial team provides within our content. We do not include all companies, products or offers that may be available.
Last Updated: February 25, 2025
Buying a home is a big step for many, but the cost of maintaining it can get expensive over time, especially if your home in Hernando is on the older side. A home warranty is a way to protect your savings account from unexpected expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.
Finding the best warranty for your home can be challenging, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Hernando. Keep reading for our home warranty 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
Liberty Home Guard is the most trustworthy home warranty in Hernando. Liberty has been operating for around 6 years, making it a well-respected company in the industry. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. 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.
Liberty Home Guard offers 3 plans for Hernando homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000 at the maximum.
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 comprehensive 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 is the best overall home warranty in Hernando. Choice has been operating for around 15 years, making it a well-respected company in the industry. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. 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.
Choice Home Warranty offers 2 plans for Hernando homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000 at the maximum.
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 comprehensive 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 is the most cost-effective home warranty in Hernando. Select has been operating for around 11 years, making it a well-respected company in the industry. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. 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.
Select Home Warranty offers 3 plans for Hernando homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000 at the maximum.
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 comprehensive 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 is the most customizable home warranty in Hernando. AHS has been operating for around 26 years, making it a well-respected company in the industry. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. 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.
American Home Shield offers 3 plans for Hernando homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500 at the maximum.
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 comprehensive review of American Home Shield to learn more.
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
First American Home Warranty is the best home warranty for appliance coverage in Hernando. First American has been operating for around 39 years, making it a well-respected company in the industry. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also 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. First American offers 2 plans for homeowners to decide between.
First American Home Warranty offers 2 plans for Hernando homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also around $1,500 at the maximum.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read our comprehensive review of First American Home Warranty to learn more.
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
Cinch Home Services is the home warranty with the best workmanship guarantee in Hernando. Cinch has been operating for around 44 years, making it a well-respected company in the industry. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. 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.
Cinch Home Services offers 3 plans for Hernando homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000 at the maximum.
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 comprehensive 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 is the best home warranty with the quickest service in Hernando. HSC has been operating for around 15 years, making it a well-respected company in the industry. 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 decide between.
The Home Service Club offers 2 plans for Hernando homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000 at the maximum.
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 comprehensive 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 | $6,008 |
| Heating | $4,005 |
| Electrical | $601 |
| Toilets | $501 |
| Washer/Dryer | $801 |
| Plumbing | $601 |
| Oven | $1,602 |
| Fridge | $601 |
A home warranty is a protection policy that helps Hernando homeowners cut the expenses of appliance and system repairs. The plans offer financial coverage to repair or replace appliances and systems that stop working due to normal wear and tear. When something breaks down, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty policy gives homeowners a sense of security and can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are dishwashers, washers, dryers, microwaves, garbage disposals, refrigerators, and more. Covered systems are usually plumbing, heating, air conditioning, and electrical. Many home warranty companies provide add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. Hernando homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or improperly using a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
There are several key factors to consider when selecting a home warranty provider:
Home warranties have significant variation in what they include. Basic plans typically include plumbing, electrical, AC, heating, and appliances, while more comprehensive plans may also cover well pumps, pools, roof leaks, and spas. Focus on companies with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize your plan to meet 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 more affordable fees to maximize savings on every claim. Some providers also do away with deductibles when customers have a claim-free period.
A home warranty company's reputation can give you 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. Positive ratings and feedback indicate a provider known for great service.
Home warranty providers have networks of professionals that they use to tackle covered repairs. Bigger networks increase the likelihood of getting qualified contractors to your home promptly. Reach out to possible providers to learn how many contractors they have in Hernando. This helps you understand how long repairs may take in an urgent situation.
Home warranty providers may include perks such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These can add value beyond repair coverage. Additional perks help maximize the usefulness of your home warranty.
Since temperatures in Hernando can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Getting a home warranty policy can help homeowners save money if one of these systems or appliances stops working suddenly.
Not only can a home warranty provide 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 deals with this process by sending trusted professionals to your door when you need them most. 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 home more attractive to potential homebuyers and help your house sell faster.
One downside of buying 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 over the contracts you’re considering thoroughly to understand what is included and what isn’t.
Another pain point of home warranties is that they don’t cover systems or appliances that haven’t been properly 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 plan costs, on average, about $300 to $600 a year in Hernando. 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 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. Under homeowners insurance, you will not be able to file a claim should you need a new dryer or dishwasher, unless the damage is due to a natural disaster, which is somewhat common in Hernando.
A home warranty plan can help homeowners, homebuyers, home sellers, real estate agents, and investors. It can provide peace of mind to anyone involved in homeownership.
A home warranty policy will cover your 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.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month plans as well.
Usually the person who owns the home pays for the home warranty. In some cases, though, the home seller may purchase 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. Considering that the average home value in Hernando is $329,081, a home warranty can be an added asset when buying a home.
