Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Murphy gives homeowners some great neighborhoods and the opportunity to enjoy all four seasons. However, temperatures can do a number on your home’s systems, such as your HVAC. A home warranty is a way to protect your savings 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.
The home warranty market has a lot of providers — all with different coverage — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Murphy.
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 in Murphy. Liberty has been on the market for about 6 years, making it a highly regarded company in the industry. Liberty has 3 simple plans, making the selection process and policy coverage easily comprehensible. When you buy a plan 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.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to around $3,000 per covered system or appliance.
For a more detailed breakdown, read our detailed review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, 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 in Murphy. Choice has been on the market for about 15 years, making it a highly regarded company in the industry. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible. When you buy a plan 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 per covered system or appliance.
For a more detailed breakdown, read our detailed review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, 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 in Murphy. Select has been on the market for about 11 years, making it a highly regarded company in the industry. Select has 3 simple plans, making the selection process and policy coverage easily comprehensible. When you buy a plan 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.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage limits come out to around $2,000 per covered system or appliance.
For a more detailed breakdown, read our detailed review of Select Home Warranty. To receive a free quote from Select Home Warranty, 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 in Murphy. AHS has been on the market for about 26 years, making it a highly regarded company in the industry. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible. When you buy a plan 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 per covered system or appliance.
For a more detailed breakdown, read our detailed review of American Home Shield. To receive a free quote from American Home Shield, 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 in Murphy. First American has been on the market for about 39 years, making it a highly regarded company in the industry. First American has 2 simple plans, making the selection process and policy coverage easily comprehensible. When you buy a plan 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.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage limits come out to around $1,500 per covered system or appliance.
For a more detailed breakdown, read our detailed review of First American Home Warranty. To receive a free quote from First American Home Warranty, 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 in Murphy. Cinch has been on the market for about 44 years, making it a highly regarded company in the industry. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible. When you buy a plan 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.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 per covered system or appliance.
For a more detailed breakdown, read our detailed review of Cinch Home Services. To receive a free quote from Cinch Home Services, 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 in Murphy. HSC has been on the market for about 15 years, making it a highly regarded company in the industry. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible. When you buy a plan 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.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 per covered system or appliance.
For a more detailed breakdown, read our detailed review of The Home Service Club. To receive a free quote from The Home Service Club, 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 | $5,829 |
| Heating | $3,886 |
| Electrical | $583 |
| Toilets | $486 |
| Washer/Dryer | $777 |
| Plumbing | $583 |
| Oven | $1,554 |
| Fridge | $583 |
A home warranty is a protection plan that assists Murphy homeowners reduce the high costs of household repairs. These plans provide financial protection to repair or swap out appliances and systems that stop working from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the fix 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 peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are especially useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances might not require a home warranty.
Home warranties cover many household systems and appliances. Typical covered appliances include garbage disposals, refrigerators, dryers, dishwashers, microwaves, washers, and more. Covered systems include heating, electrical, air conditioning, and plumbing. Many home warranty plans offer additional coverage for septic systems, central vacuums, roof leaks, and even locksmiths. It's important for Murphy homeowners to know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, natural disasters, pre-existing conditions, or damage caused by improperly using 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.
There are several home warranty terms to understand before signing an agreement, including:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty plans differ significantly in terms of coverage. Most plans provide protection for plumbing, heating, electrical, AC, and appliances. More comprehensive options also extend protection to other items such as pools, well pumps, spas, and roof leaks. Focus on companies with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize your plan to meet your needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for companies 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 company's track record gives insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Positive reviews and ratings indicate a provider known for stellar service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Contact potential providers to learn the number of repair specialists they have in Murphy and get an idea of how fast your repairs could be handled in an emergency. Larger networks raise the chance of getting qualified contractors to swiftly service your home.
Some home warranty plans offer bonuses such as maintenance discounts, energy efficiency upgrades, and smart home device protection. These add value beyond just repair coverage. Extra bonuses help maximize the usefulness of your home warranty.
Since temperatures in Murphy can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Buying a home warranty can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
A home warranty also saves you time and energy. Instead of spending hours finding and selecting a repair person to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Another benefit of having a home warranty is while selling your home, some providers let you transfer your home warranty policy to the new owners. It can make your house more attractive to potential homebuyers and may help your home sell faster.
One disadvantage of purchasing a home warranty is that there are often exclusions. For example, 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 through the contracts you’re considering carefully to understand what is included and what isn’t.
Another stipulation is that home warranties typically only cover damage from normal wear and tear. They most likely won’t cover home systems or appliances that have stopped working due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty plan costs, on average, about $300 to $600 a year in Murphy. 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 often less expensive 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 helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in case of a situation such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim if you need a new washing machine or air conditioner, unless the damage is due to a natural disaster, which can be a threat in Murphy.
A home warranty policy can help homeowners, investors, homebuyers, real estate agents, and home sellers. It can offer peace of mind to anyone involved with homeownership.
The different types of home warranties in Murphy include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover your systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the items mentioned in the plan.
Home warranty plans generally last a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
In general, the homeowner is the one who pays 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 given to the new homeowner, who has to pay the service fees when using the policy. In Murphy, where the median value of a home is $324,090, having the seller pay for the home warranty can save you some money on your new home.
