Written By David Cusick
Last Updated February 2024
With a variety of seasons in Papillion, your home systems can go through quite a bit of wear and tear. There’s nothing worse than having your heater go out in the middle of winter. A home warranty policy can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
Finding the best warranty for your home can be challenging, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Papillion. Read on for our home warranty 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
Liberty Home Guard offers the most trustworthy home warranty for Papillion residents. Liberty has over 6 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. When you purchase 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. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable.
Liberty Home Guard has 3 plans that offer a combination of appliance and system coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $75.
Read more by visiting our detailed review of Liberty Home Guard. To get 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 for Papillion residents. Choice has over 15 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. When you purchase a policy 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 and policy coverage easily understandable.
Choice Home Warranty has 2 plans that offer a combination of appliance and system coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $85.
Read more by visiting our detailed review of Choice Home Warranty. To get 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 for Papillion residents. Select has over 11 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. 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. Select has 3 simple plans, making the selection process and policy coverage easily understandable.
Select Home Warranty has 3 plans that offer a combination of appliance and system coverage. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $60.
Read more by visiting our detailed review of Select Home Warranty. To get 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 for Papillion residents. AHS has over 26 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. When you purchase a policy 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 and policy coverage easily understandable.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
Read more by visiting our detailed review of American Home Shield. To get 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 for Papillion residents. First American has over 39 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. When you purchase a policy 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 and policy coverage easily understandable.
First American Home Warranty has 2 plans that offer a combination of appliance and system coverage. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $85.
Read more by visiting our detailed review of First American Home Warranty. To get 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 for Papillion residents. Cinch has over 44 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. When you purchase a policy 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 and policy coverage easily understandable.
Cinch Home Services has 3 plans that offer a combination of appliance and system coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
Read more by visiting our detailed review of Cinch Home Services. To get 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 for Papillion residents. HSC has over 15 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. When you purchase a policy 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 and policy coverage easily understandable.
The Home Service Club has 2 plans that offer a combination of appliance and system coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
Read more by visiting our detailed review of The Home Service Club. To get 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 | $5,979 |
Heating | $3,986 |
Electrical | $598 |
Toilets | $498 |
Washer/Dryer | $797 |
Plumbing | $598 |
Oven | $1,594 |
Fridge | $598 |
A home warranty is a protection policy that helps Papillion homeowners in lowering the costs of appliance and system repairs. The plans offer coverage to replace or fix appliances and systems that break down due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid high-priced emergency repairs. The coverage is especially helpful for buyers of older houses or houses with systems near the end of their life span. However, homeowners with newer homes and working appliances might not require a home warranty.
Home warranties safeguard both your home systems and appliances. Common covered appliances include dryers, garbage disposals, microwaves, refrigerators, dishwashers, washers, and more. Covered systems include heating, plumbing, air conditioning, and electrical. Many home warranty plans also offer add-on coverage options for central vacuums, septic systems, locksmiths, and even roof leaks. Most home warranty plans require Papillion homeowners to wait 30 days before they can use the policy to pay for repairs. Additionally, 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 misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
There are a number of home warranty terms to learn before signing an agreement, including:
There are several important considerations when selecting a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans include protection for heating, AC, electrical, plumbing, and appliances. More comprehensive plans also include protection for other items such as spas, well pumps, pools, and roof leaks. Look for a provider that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a company with more affordable fees to maximize savings on every claim. Some companies also eliminate deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation provides insights into factors such as claim approval rates, contractor expertise, repair speed, and customer satisfaction. Read through review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about providers. Positive feedback and ratings suggest a company known for delivering quality service.
Home warranty providers have networks of contractors that they use to tackle covered repairs. Bigger networks increase the chance of getting qualified contractors to your home quickly. Contact possible providers to find out how many technicians they have in Papillion. This helps you understand how long repairs could take in an urgent situation.
Certain home warranty providers offer perks such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These can provide extra value beyond repair coverage. Extra perks enhance your home and maximize your home warranty.
Temperatures in Papillion can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a good bit of use. As a homeowner in Papillion, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.
A home warranty also can also save you time and energy. Instead of spending hours researching and choosing a technician to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. In addition, though it varies by company, some providers will let you transfer your warranty if you sell your home. This can make your house more attractive to potential homebuyers and maybe even help your home sell faster.
Home warranties also have some cons. While it can save you time when the home warranty sends out a service technician who handles the repair for you, some people may not like this, and they would rather choose a contractor themselves. If that’s the case for you, some home warranty plans allow you to choose a contractor.
Another thing to consider is that some providers don’t cover pre-existing problems and may require an inspection before coverage begins. Ask the home warranty provider for clarification about these things if you aren’t sure or if this is a problem for you.
A home warranty costs, on average, about $300 to $600 a year in Papillion. 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. In addition, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger plan that protects your entire home from natural disasters, which can sometimes be a concern in Papillion. It doesn't cover a typical appliance or system repairs.
A home warranty can help investors, real estate agents, home sellers, homeowners, and homebuyers. It can provide peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in Papillion include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your home systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the items listed in the contract.
Generally, a home warranty lasts for a year and can be renewed annually. Some companies may offer month-to-month plans.
Typically, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Papillion, where the median home value is $384,850, having the seller pay for the home warranty can be a good asset for your new home.