Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Homeownership in Oxford has lots of benefits, but it also comes with its challenges. Your home’s appliances and systems will inevitably need repairs, and this could mean a huge expense. A home warranty can bring you the peace of mind you need and protect your savings account from large expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be difficult, since there are dozens of companies to decide between. That’s why our team at Today's Homeowner did the research and compiled a list of the top home warranty companies in Oxford 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 offers the most trustworthy home warranty for Oxford residents. Liberty has 3 simple plans, making the selection process quick and easy. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the 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. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information, read our Liberty Home Guard Review.
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 offers the best overall home warranty for Oxford residents. Choice has 2 simple plans, making the selection process quick and easy. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the 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. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information, read our Choice Home Warranty Review.
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 offers the most cost-effective home warranty for Oxford residents. Select has 3 simple plans, making the selection process quick and easy. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the 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. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information, read our Select Home Warranty Review.
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 offers the most customizable home warranty for Oxford residents. AHS has 3 simple plans, making the selection process quick and easy. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the 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. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information, read our American Home Shield Review.
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 offers the best home warranty for appliance coverage for Oxford residents. First American has 2 simple plans, making the selection process quick and easy. If you’re looking for very affordable and comprehensive appliance coverage, this is the 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. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For more information, read our First American Home Warranty Review.
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 offers the home warranty with the best workmanship guarantee for Oxford residents. Cinch has 3 simple plans, making the selection process quick and easy. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the 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. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information, read our Cinch Home Services Review.
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 offers the best home warranty with the quickest service for Oxford residents. HSC has 2 simple plans, making the selection process quick and easy. 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, this is the 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. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information, read our The Home Service Club Review.
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 | $6,028 |
| Heating | $4,019 |
| Electrical | $603 |
| Toilets | $502 |
| Washer/Dryer | $804 |
| Plumbing | $603 |
| Oven | $1,608 |
| Fridge | $603 |
A home warranty is a protection policy that helps lower expenses for Oxford homeowners needing appliance and system repairs. These plans provide financial coverage to fix or replace appliances and systems that break due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid high-priced emergency repairs. The coverage is particularly helpful for owners of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and working appliances might not need a home warranty.
Home warranties cover your household systems and appliances. Covered appliances typically include dishwashers, microwaves, garbage disposals, washers, refrigerators, dryers, and others. Covered systems include electrical, heating, air conditioning, and plumbing. Many home warranty providers also offer add-on coverage for central vacuums, septic systems, roof leaks, and locksmiths. It's important for Oxford homeowners to know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by your policy.
Before signing a home warranty contract, you should learn key terms like:
There are several important factors to consider when selecting a home warranty provider:
Home warranties have significant variation in what they include. Basic policies typically provide protection for electrical, plumbing, heating, AC, and appliances, while more comprehensive options may also cover well pumps, roof leaks, pools, and spas. Look for a company that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per service call made. The per-request costs can add up. You may decide to look for companies with lower service fees to maximize your savings on each claim. Some firms also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty provider's reputation gives insight into things such as contractor quality, approval rates, repair timeliness, and customer service. Check review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Good ratings and feedback indicate a company known for great service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. More extensive networks raise the chance of getting skilled contractors to your home swiftly. Reach out to possible providers to ask how many repair professionals they have in Oxford to understand how long repairs might take in an urgent situation.
Home warranty companies may include extras such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These add value beyond basic repair coverage. Additional perks maximize the usefulness of the home warranty.
Home warranty policies are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Oxford reaching an average high of 71℃F, you may find that certain appliances, like your A.C., get a lot of use. A home warranty can significantly bring down out-of-pocket costs should your HVAC system break down.
As well as saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle of trying to find a qualified technician to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair issues you may have. Plus, having a home warranty can make your house more appealing to potential homebuyers should you ever decide to sell in the future. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you’ve been benefiting from.
Home warranties also have some downsides. Though it can be convenient that the home warranty sends out a service technician who takes care of the repair for you, some people may not like this, and they may want to choose their own contractor. If that’s important to you, some home warranty providers let you choose a contractor.
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 repair requests 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 in Oxford can cost anywhere from $30 to $60 a month. Higher-priced plans usually have broader coverage, higher coverage limits, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some companies will also decrease your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects an entire home from natural disasters, which might not be too much of a concern in Oxford. It doesn't cover a normal appliance or system damage.
A home warranty plan can help investors, real estate agents, home sellers, homeowners, and homebuyers. It can provide peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in Oxford include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your systems and appliances, such as your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover only the items mentioned in the policy.
Home warranty plans generally provide coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month plans as well.
Generally, the homeowner is the one who is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Oxford, where the median home value is $323,993, having the seller pay for the home warranty can save you some money on your new home.
