Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Park Hills can be costly, particularly as your home ages and your appliances and systems need to be updated. A home warranty plan can help protect homebuyers and current homeowners by reducing the costs of major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be challenging because of the sheer number of options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide on the best home warranty companies in Park Hills.
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 Park Hills residents. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable. When you purchase 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.
Liberty Home Guard has 3 plans that provide a mix of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage caps come out to about $3,000 for each covered appliance or system.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For a more detailed breakdown, read our full review of Liberty Home Guard.
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 Park Hills residents. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. When you purchase 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.
Choice Home Warranty has 2 plans that provide a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 for each covered appliance or system.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For a more detailed breakdown, read our full review of Choice Home Warranty.
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 Park Hills residents. Select has 3 simple plans, making the selection process and policy coverage easily understandable. When you purchase 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.
Select Home Warranty has 3 plans that provide a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 for each covered appliance or system.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For a more detailed breakdown, read our full review of Select Home Warranty.
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 Park Hills residents. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. When you purchase 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.
American Home Shield has 3 plans that provide a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 for each covered appliance or system.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For a more detailed breakdown, read our full review of American Home Shield.
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 Park Hills residents. First American has 2 simple plans, making the selection process and policy coverage easily understandable. When you purchase 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.
First American Home Warranty has 2 plans that provide a mix of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage caps come out to about $1,500 for each covered appliance or system.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For a more detailed breakdown, read our full review of First American Home Warranty.
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 Park Hills residents. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable. When you purchase 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.
Cinch Home Services has 3 plans that provide a mix of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 for each covered appliance or system.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For a more detailed breakdown, read our full review of Cinch Home Services.
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 Park Hills residents. HSC has 2 simple plans, making the selection process and policy coverage easily understandable. When you purchase 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 Home Service Club has 2 plans that provide a mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 for each covered appliance or system.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read our full review of The Home Service Club.
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 | $5,600 |
Heating | $3,734 |
Electrical | $560 |
Toilets | $467 |
Washer/Dryer | $747 |
Plumbing | $560 |
Oven | $1,493 |
Fridge | $560 |
A home warranty is a protection policy that helps Park Hills homeowners lower the high costs of household repairs. These plans offer financial protection to fix or swap out appliances and systems that break down from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty provides security for homeowners by helping them avoid expensive emergency repairs. They're particularly useful for those who own older homes or ones with outdated systems. More modern builds with modern fixtures probably don’t need a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are washers, refrigerators, garbage disposals, microwaves, dryers, dishwashers, and more. Covered systems are typically air conditioning, heating, plumbing, and electrical. Many home warranty providers offer add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. Park Hills should understand that most home warranty plans have a 30-day waiting period before repair claims will be approved. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
There are a number of home warranty terms to learn before signing an agreement, including:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans provide coverage for electrical, plumbing, AC, heating, and appliances. More inclusive options also include protection for other items such as well pumps, pools, roof leaks, and spas. Look for providers with a diverse range of coverage options, including upgraded plans. This allows you to customize your plan to your needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out providers advertising more affordable fees to optimize savings on each repair claim. Certain providers may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Check review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about companies. Positive reviews and ratings suggest a company known for providing quality service.
Home warranty providers keep networks of contractors to handle covered repairs. Bigger networks improve the probability of getting qualified technicians to promptly service your home. Ask potential providers how many contractors they have in Park Hills to get a sense of how quickly your repairs could happen in an emergency.
Home warranty companies may offer extras such as energy efficiency upgrades, coverage for smart home devices, and maintenance discounts. These extras can add value beyond repair coverage. Added perks can maximize the usefulness of the home warranty.
Since temperatures in Park Hills can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Getting a home warranty policy can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
Plus, having a home warranty can save you time by removing the need to research repair people — most providers will send a trusted professional right to your door to carry out the repair or replacement. Plus, having a home warranty can make your house more appealing to potential homebuyers should you ever decide to sell later. Many home warranty companies will allow you to transfer your plan to a new owner and give them the protection you’ve been getting.
There are also some downsides to getting a home warranty policy, like the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They most likely won’t cover home systems or appliances that have stopped working due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty policy costs, on average, about $300 to $600 a year in Park Hills. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. Additionally, it's typically less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover problems related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of plan that protects an entire home from natural disasters, which can sometimes be a concern in Park Hills. It doesn't cover a normal appliance or system breakage.
Homebuyers, homeowners, landlords, home sellers, and real estate agents are all eligible for home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
A home warranty plan can cover your systems, appliances, 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 want to save some money.
Home warranty plans generally offer coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
Usually, the homeowner 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 given to the new homeowner, who will pay the service fees when using the policy. In Park Hills, where the median value of a home is $133,947, having the seller pay for the home warranty can save you some money on your new home.