Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Find the best home warranty to suit your needs. Owning a home in Lincoln has a lot of great benefits, but there are, of course, some downsides too. The humid weather can cause problems in a home and destroy some systems and appliances.
A home warranty in Lincoln can help cut your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear. Finding the right home warranty plan for your Lincoln home can be difficult, so our team at Today's Homeowner did the research to help you find the top home warranty in Lincoln for your home. Keep reading for our home warranty company recommendations.
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 Lincoln, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty industry for over 15 years. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are comprehensive and offer a mix of both system and appliance coverage.
Choice Home Warranty offers 2 plans for Lincoln homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice's service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered system or appliance.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For more information on this provider, read our thorough 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 is the most cost-effective home warranty in Lincoln. When you purchase a policy 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 home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage.
Select Home Warranty offers 3 plans for Lincoln 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. Select's service fees are a reasonable $60, and the coverage limits come out to about $2,000 per covered system or appliance.
To read more, visit our thorough review of Select Home Warranty. 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
In Lincoln, American Home Shield offers the most customizable home warranty. AHS is a home warranty provider with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easily comprehensible and have a mix of both system and appliance coverage.
The plans that AHS offers to homeowners are 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 make sure to check with the provider. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read more by visiting our American Home Shield full review.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Lincoln, The Home Service Club offers the best home warranty with the quickest service. 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 2 plans from HSC are comprehensive and offer both system and appliance coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our review of The Home Service Club to learn more.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty for Lincoln residents. Liberty has around 6 years of experience in the home warranty market and in that time has built a an expansive network of service professionals in the country. When you buy a policy 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 are easy to comprehend and offer a mix of both system and appliance coverage.
The plans that Liberty offers to homeowners are 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 make sure to check with the provider. Service fees are an affordable $75.
For a more detailed breakdown, read our review of Liberty Home Guard. 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
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 Lincoln residents. First American has more than 39 years of experience in the home warranty market and in that time has built a impressive network of service technicians in the country. First American has established itself as a company with very affordable and comprehensive appliance coverage. It 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 that First American offers include differing levels of system and appliance coverage, as well as add-on options.
First American Home Warranty offers 2 plans for Lincoln homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with First American's plans are close to the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
Read more by visiting our First American Home Warranty Review. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 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 is the home warranty with the best workmanship guarantee in Lincoln. Cinch has over 44 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easy to comprehend and offer a mix of both system and appliance coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps 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 Lincoln area.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our thorough review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home 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 | $5,842 |
| Heating | $3,894 |
| Electrical | $584 |
| Toilets | $487 |
| Washer/Dryer | $779 |
| Plumbing | $584 |
| Oven | $1,558 |
| Fridge | $584 |
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having a home warranty in place can give you some peace of mind and prevent you from paying large out-of-pocket costs. Most home warranty plans start about 30 days after purchasing the home warranty plan.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty service provider. Most companies have an online portal system to help you do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue.
At this point, you'll also need to pay your service fee. Once the repair person takes a look at the problem, they will take care of it at no cost to you. The only time a homeowner may have to pay out-of-pocket costs is if the repair or replacement is over the item's coverage cap.
A home warranty in Lincoln covers the main appliances and systems in your house. The appliances usually covered under a home warranty include a clothes washer, garbage disposal, clothes dryer, microwave, dishwasher, refrigerator, and more. The systems included are plumbing, air conditioning, electrical systems, and ductwork.
You can also choose to pay extra for add-on coverage for items such as roof warranty, swimming pools, spas, and septic systems.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and follow preventative maintenance guidelines, your home warranty will not cover it. Also, a home warranty does not cover pre-existing conditions, cosmetic damages, misuse, and lack of maintenance.
Lincoln's relatively mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can help cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the necessary repairs, saving you from spending unexpected money out of pocket.
Another added benefit of having home warranty coverage is that it can raise your home's real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you have your home warranty with.
Home warranties also have some cons. While it can save you time when the home warranty sends out a contractor who takes care of the repair for you, some people may not like this, and they may want to choose a contractor themselves. If that's the case for you, some home warranty plans allow you to choose a contractor.
Another thing to bear in mind is that some companies don't cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty provider for clarification about this if you aren't sure or if this is a problem for you.
The first step in protecting your home with a home warranty is determining which company's plan fits your needs. Consider the appliances and systems in your home you want coverage for and compare the policies. Below are some factors to consider when purchasing a home warranty in Lincoln:
The best overall home warranty provider in Lincoln is Choice Home Warranty, but the right company for you will depend on factors like what appliances and systems you need to have covered.
First-time homebuyers, home sellers, landlords, homeowners, and real estate agents can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
The most common types of home warranties in Lincoln are plans with coverage for either appliances or systems and a comprehensive plan. A comprehensive plan covers many of your systems and appliances, like your refrigerator, washing machine, and HVAC. A plan that only covers appliances or systems will cover the specific systems or appliances listed in the contract.
The kind of home warranty you need depends on what's important to you. A less costly plan may have higher deductibles and lower coverage caps, whereas a more expensive plan may provide more coverage and have lower service fees. If you have a home that is on the older end and therefore may have older systems, you may want to get a higher-coverage policy. The company's reputation and available plans are the main two things to research when selecting a home warranty company.
Many homeowners find a home warranty is a good investment since it can help protect against unforeseen expenses, and saving money is important with the cost of living going up in Lincoln. If you're worried about your budget and home maintenance, having a home warranty can help. One of the major positives of a home warranty is that it can offer you some financial peace of mind.
Most home warranty plans will cover replacement costs in addition to repair costs. The coverage cap varies from one plan to the next. Your home warranty will give you some money towards a replacement but the entire replacement may not be paid for.
The systems and appliances in a home are covered under a home warranty policy in Lincoln. Everything from a stove to a garage door can be covered under a home warranty depending on the plan.
