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Written By David Cusick
Last Updated June 2024
Homeownership in Lincoln can be exciting for many people, but it also comes with its fair share of difficulties. Home repairs can be an unexpected financial burden for many homeowners. A home warranty is a way to protect your bank account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
Finding the best warranty for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Lincoln. Read on for our 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 Lincoln, Liberty Home Guard is the most trustworthy home warranty. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read more by visiting our Liberty Home Guard Review.
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 Lincoln, Choice Home Warranty is the best overall home warranty. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting our Choice Home Warranty Review.
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 Lincoln, Select Home Warranty is the most cost-effective home warranty. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting our Select Home Warranty Review.
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 is the most customizable home warranty. 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 home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our American Home Shield Review.
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 Lincoln, First American Home Warranty is the best home warranty for appliance coverage. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, 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. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also around $1,500.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read more by visiting our First American Home Warranty Review.
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 Lincoln, Cinch Home Services is the home warranty with the best workmanship guarantee. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting our Cinch Home Services Review.
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 Lincoln, The Home Service Club is the best home warranty with the quickest service. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options.
The 2 plans from The Home Service Club are 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 give them a call at 800-750-9443. Read more by visiting our The Home Service Club Review.
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 | $5,842 |
Heating | $3,894 |
Electrical | $584 |
Toilets | $487 |
Washer/Dryer | $779 |
Plumbing | $584 |
Oven | $1,558 |
Fridge | $584 |
A home warranty is a protection policy that assists Lincoln homeowners in lowering the costs of appliance and system repairs. The plans provide financial coverage to replace or fix appliances and systems that stop working due to normal wear and tear. When something breaks down, you submit a claim and pay a service fee. The home warranty provider then finds a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty gives security for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who own older homes or ones with aging systems. More modern homes with working appliances probably don’t require a home warranty.
Home warranties cover many household systems and appliances. Covered appliances typically include refrigerators, garbage disposals, dishwashers, washers, microwaves, dryers, and others. Covered systems include electrical, heating, plumbing, and air conditioning. Many home warranty companies also offer additional coverage for central vacuums, septic systems, roof leaks, and locksmiths. Most home warranty plans require Lincoln homeowners to wait 30 days before the plan will cover repairs. Moreover, policies normally only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some essential home warranty words to know before signing a contract:
There are several important factors to consider when selecting a home warranty provider:
Home warranty plans vary widely in what they include. Most plans cover heating, AC, plumbing, electrical, and appliances. More robust plans also offer protection for other items such as roof leaks, well pumps, pools, and spas. Look for companies with a diverse range of coverage options, including upgraded plans. This allows you to customize your plan to your needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which gets paid per repair request filed. The per-request costs can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some firms also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty company's reputation gives insight into things such as repair timeliness, approval rates, contractor quality, and customer satisfaction. Use review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Positive ratings and feedback indicate a company known for great service.
Home warranty companies maintain networks of professionals to handle covered repairs. Bigger networks improve the likelihood of getting qualified technicians to swiftly service your home. Contact potential providers to find out how many contractors they have in Lincoln to get a sense of how soon your repairs could happen in an emergency.
Some home warranty plans provide extras such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These perks can add value beyond just repair coverage. Added bonuses can maximize the usefulness of your home warranty.
Since temperatures in Lincoln 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 unexpectedly.
Along with saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle of trying to find a qualified contractor to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair problems you may experience. Plus, having a home warranty can make your house more attractive to potential homebuyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you’ve been receiving.
As for the drawbacks of home warranties, coverage varies by provider, so it’s important to review what each policy covers and doesn’t include in the contract.
Another downside is that home warranties may not include some repairs, like those needed because of natural disasters. For example, if your house floods, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty costs, on average, about $300 to $600 a year in Lincoln. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by choosing a higher service fee. Additionally, it's often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of insurance that protects an entire home from natural disasters, which can sometimes be a concern in Lincoln. It doesn't cover a normal appliance or system breakage.
A home warranty plan can help homebuyers, homeowners, real estate agents, investors, and home sellers. It can provide peace of mind to anyone involved with homeownership.
The different home warranties in Lincoln 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 dishwasher, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the items listed in the plan.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month options.
Typically, 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 transferred to the new homeowner, who has to pay the service fees when using the policy. In Lincoln, where the median value of a home is $273,960, having the seller pay for the home warranty can save you some money on your new home.