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Written By David Cusick
Last Updated June 2024
Owning a home in Kearney has a lot of great advantages, but there are some downsides. The weather throughout the four seasons can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty is a way to protect your savings account from unexpected home repairs and 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.
The home warranty market is filled with many providers — all with different price points — so the Today's Homeowner team has done the research to help you find the best home warranty companies in Kearney.
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 Kearney residents. When you purchase a home warranty from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process easy.
Liberty Home Guard has 3 plans that provide a combination of appliance and system coverage. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Kearney area.
To read more, visit our Liberty Home Guard Review. To get a free quote from Liberty Home Guard, you can fill out this online form or call 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
Choice Home Warranty offers the best overall home warranty for Kearney residents. When you purchase a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process easy.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Kearney area.
To read more, visit our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, you can fill out this online form or call 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
Select Home Warranty offers the most cost-effective home warranty for Kearney residents. When you purchase a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process easy.
Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the Kearney area.
To read more, visit our Select Home Warranty Review. To get a free quote from Select Home Warranty, you can 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 offers the most customizable home warranty for Kearney residents. When you purchase a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process easy.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Kearney area.
To read more, visit our American Home Shield Review. To get a free quote from American Home Shield, you can fill out this online form or call 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
First American Home Warranty offers the best home warranty for appliance coverage for Kearney residents. When you purchase a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 has 2 simple plans, making the selection process easy.
First American Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Kearney area.
To read more, visit our First American Home Warranty Review. To get a free quote from First American Home Warranty, you can fill out this online form or call 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Kearney residents. When you purchase a home warranty from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process easy.
Cinch Home Services has 3 plans that provide a combination of appliance and system coverage. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Kearney area.
To read more, visit our Cinch Home Services Review. To get a free quote from Cinch Home Services, you can fill out this online form or call 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
The Home Service Club offers the best home warranty with the quickest service for Kearney residents. When you purchase a home warranty from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process easy.
The Home Service Club has 2 plans that provide a combination of appliance and system coverage. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Kearney area.
To read more, visit our The Home Service Club Review. To get a free quote from The Home Service Club, you can fill out this online form or call 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 | $5,918 |
Heating | $3,945 |
Electrical | $592 |
Toilets | $493 |
Washer/Dryer | $789 |
Plumbing | $592 |
Oven | $1,578 |
Fridge | $592 |
A home warranty is a protection policy that assists Kearney homeowners in lowering the expenses of appliance and system repairs. The plans provide coverage to swap out or fix appliances and systems that break down due to normal wear and tear. When something breaks down, you submit a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty provides security for homeowners by helping them prevent expensive emergency repairs. They're particularly useful for those who live in older homes or ones with aging systems. More modern builds with modern appliances probably don’t require a home warranty.
Home warranties cover your home systems and appliances. Covered appliances normally include dryers, microwaves, dishwashers, garbage disposals, refrigerators, washers, and more. Covered systems include heating, electrical, air conditioning, and plumbing. Many home warranty companies also provide additional coverage for locksmiths, septic systems, roof leaks, and central vacuums. Kearney homeowners should know that most home warranty plans begin with 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 pre-existing conditions, cosmetic issues, natural disasters, or misusing a system or appliance. Remember to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Here are some key home warranty terms to know before signing a contract:
There are several important considerations when selecting a home warranty provider:
Home warranties have significant variation in what they include. Basic policies typically include plumbing, AC, electrical, heating, and appliances, while more comprehensive options may also cover pools, roof leaks, spas, and well pumps. Focus on providers with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize your plan to meet your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out providers advertising lower service fees to optimize savings on each repair claim. Certain providers may eliminate deductibles if homeowners don't submit any claims within a set period of time.
A home warranty provider's reputation can offer insight into things such as contractor quality, speed of repairs, approval rates for claims, and customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty providers have networks of professionals that they use to tackle covered repairs. More extensive networks raise the probability of getting skilled contractors to your home quickly. Contact possible providers to learn how many repair professionals they have in Kearney to understand how long repairs could take in an urgent situation.
Certain home warranty companies offer extras such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These bonuses offer extra value beyond repair coverage. Extra perks help improve your home and help maximize your home warranty.
Temperatures in Kearney can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a good bit of use. As a homeowner in Kearney, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of vetting contractors on your own, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. 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 protection you’ve been getting.
One disadvantage of buying a home warranty is that there are usually exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may be excluded from the home warranty, so it’s important to read over the contracts you’re considering thoroughly to get a sense of what is included and what isn’t.
Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They most likely won’t cover systems or appliances that need repairs or replacements due to natural disasters, improper maintenance, animal infestations, etc.
A home warranty costs, on average, about $300 to $600 a year in Kearney. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by opting for a higher service fee. In addition, it's usually less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan protects against normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in a situation such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim if you need a new refrigerator or oven, unless the damage is due to a natural disaster, which isn't that common in Kearney.
A home warranty policy can help homeowners, investors, homebuyers, home sellers, and real estate agents. It can offer peace of mind to anyone involved with homeownership.
A home warranty will cover your systems, appliances, or both. Combination plans are great if you need 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.
Generally, a home warranty lasts for a year and can be renewed annually. Some providers may offer month-to-month options.
Usually, 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. In Kearney, where the median home value is $379,408, having the seller pay for the home warranty can be a good asset for your new home.