Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Petal can be costly, especially as your home ages and your systems and appliances need to be updated or repaired. A home warranty plan can help protect you by covering major repairs and replacements on your home’s most important appliances and systems.
Finding the right protection for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Petal. Keep reading for our top provider 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
In Petal, Liberty Home Guard offers the most trustworthy home warranty. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Petal homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000 at the maximum.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read our Liberty Home Guard Review 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
In Petal, Choice Home Warranty offers the best overall home warranty. The home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Petal homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also generally around $3,000 at the maximum.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our Choice Home Warranty Review 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
In Petal, Select Home Warranty offers the most cost-effective home warranty. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you’ll want to have this plan on your side. Plus, 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 Petal 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. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000 at the maximum.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our Select Home Warranty Review 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
In Petal, American Home Shield offers the most customizable home warranty. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Petal homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500 at the maximum.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our American Home Shield Review 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
In Petal, First American Home Warranty offers the best home warranty for appliance coverage. The home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage. If you’re looking for very affordable and comprehensive appliance coverage, you’ll want to have this plan on your side. 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.
First American Home Warranty offers 2 plans for Petal homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500 at the maximum.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read our First American Home Warranty Review 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
In Petal, Cinch Home Services offers the home warranty with the best workmanship guarantee. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Petal homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our Cinch Home Services Review 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
In Petal, The Home Service Club offers the best home warranty with the quickest service. The home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage. 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, you’ll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for Petal homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000 at the maximum.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our The Home Service Club Review 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 | $6,014 |
Heating | $4,009 |
Electrical | $601 |
Toilets | $501 |
Washer/Dryer | $802 |
Plumbing | $601 |
Oven | $1,604 |
Fridge | $601 |
A home warranty is a protection plan that helps Petal homeowners reduce the costs of appliance and system repairs. The plans provide financial coverage to repair or swap out appliances and systems that break down due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty plan gives homeowners a sense of security because it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as refrigerators, dryers, microwaves, dishwashers, garbage disposals, washers, and more. Covered systems include air conditioning, heating, electrical, and plumbing. Many home warranty companies also provide additional coverage for locksmiths, roof leaks, central vacuums, and septic systems. It's important for Petal homeowners to know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, pre-existing conditions, natural disasters, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Before agreeing to a home warranty contract, you should learn key terms like:
There are several key factors to consider when selecting a home warranty provider:
Home warranty plans can have major differences in covered items. Most plans provide protection for AC, heating, electrical, plumbing, and appliances. More inclusive options also include coverage for other items such as roof leaks, well pumps, pools, and spas. Look for a provider that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which gets paid per claim you submit. The per-request costs can add up. You may decide to look for providers 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 company's reputation can offer insight into things such as contractor quality, approval rates for claims, speed of repairs, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Good ratings and reviews indicate that a provider is known for top-tier service.
Home warranty companies use networks of local repair technicians to manage repairs in a given area. Reach out to potential businesses to learn the number of repair technicians they have in Petal and get an idea of how quickly your repairs could be handled in an emergency. Larger networks raise the chance of getting qualified contractors to promptly service your home.
Certain home warranty companies provide perks such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These can provide extra value beyond repair coverage. Extra perks can enhance your home and maximize your home warranty.
Since temperatures in Petal can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Purchasing a home warranty can help homeowners save money if one of these systems or appliances breaks down suddenly.
Not only does a home warranty provide some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a contractor and schedule a repair. A home warranty handles this process by sending trusted professionals to your door when you need them most. A home warranty can also yield value in other ways. For instance, some plans can be transferred between owners during a home sale.
One disadvantage of purchasing a home warranty is that there are often exclusions. For instance, 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 get a sense of what is included and what isn’t.
Another consideration is that home warranties usually only cover damage from normal wear and tear. They commonly won’t cover home systems or appliances that need repairs or replacements due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty in Petal can cost between $30 and $60 a month. The higher-priced plans typically have a lower service fee, broader coverage, and higher coverage limits. Home warranties are often cheaper when you pay 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 types of damage they cover. Home warranty plans cover problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different insurance that protects the entire home from natural disasters, which might not be too much of a concern in Petal. It doesn't cover a normal appliance or system damage.
First-time homebuyers, homeowners, real estate agents, landlords, and home sellers are all eligible for 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 kinds of home warranties in Petal include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover your home systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items listed in the policy.
Home warranty plans generally provide coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month options 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 will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Petal, where the median value of a home is $210,985, having the seller pay for the home warranty can save you some money on your new home.