Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Written By David Cusick
Last Updated June 2024
The cost of maintaining a home in Concord can be expensive, particularly as your home ages and your appliances and systems need to be updated or repaired. A home warranty can offer you the peace of mind you need and protect your savings account from large expenses by covering your home’s major systems and appliances.
The home warranty market has many providers — all with different plans — so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Concord.
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 Concord, Liberty Home Guard offers the most trustworthy home warranty. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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 offers 3 plans for Concord homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Concord area.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. To read more, visit our 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
In Concord, Choice Home Warranty offers the best overall home warranty. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. 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 offers 2 plans for Concord homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Concord area.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. To read more, visit our 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
In Concord, Select Home Warranty offers the most cost-effective home warranty. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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 offers 3 plans for Concord 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. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the Concord area.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit our 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
In Concord, American Home Shield offers the most customizable home warranty. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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 offers 3 plans for Concord homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Concord area.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Concord, Cinch Home Services offers the home warranty with the best workmanship guarantee. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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 offers 3 plans for Concord homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. The coverage limits 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 Concord area.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our 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
In Concord, The Home Service Club offers the best home warranty with the quickest service. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. 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 offers 2 plans for Concord homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Concord area.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit our 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 | $6,274 |
| Heating | $4,183 |
| Electrical | $627 |
| Toilets | $523 |
| Washer/Dryer | $837 |
| Plumbing | $627 |
| Oven | $1,673 |
| Fridge | $627 |
A home warranty is a protection policy that assists Concord homeowners cut the expenses of appliance and system repairs. The plans offer coverage to fix or swap out appliances and systems that stop working due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty provides security for homeowners by helping them prevent expensive emergency fixes. They're particularly useful for those who live in older homes or ones with aging systems. More modern homes with modern appliances probably don’t require a home warranty.
Home warranties safeguard both your home systems and appliances. Common covered appliances include garbage disposals, dryers, microwaves, dishwashers, washers, refrigerators, and others. Covered systems include heating, electrical, air conditioning, and plumbing. Many home warranty plans also offer add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. It's important for Concord homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should understand key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty plans differ significantly in terms of coverage. Most plans cover plumbing, AC, electrical, heating, and appliances. More robust plans also extend protection to other items such as roof leaks, pools, spas, and well pumps. Focus on companies with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize protection for your needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for providers advertising lower service fees to optimize savings on each repair claim. Certain companies may waive deductibles if homeowners don't submit any claims within a set period of time.
A home warranty company's track record provides insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Complimentary reviews and ratings indicate a provider known for stellar service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Contact potential businesses to learn the number of repair specialists they have in Concord and get an idea of how quickly your repairs could be handled in an emergency. Larger networks raise the probability of getting qualified contractors to promptly service your home.
Home warranty companies sometimes include extras such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These can add value beyond repair coverage. Added perks can maximize the usefulness of the home warranty.
Temperatures in Concord can drop to the negatives in the winter, which means your heating system is most likely going to get a lot of use. As a homeowner in Concord, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
Not only does a home warranty offer some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty handles this process by sending trusted professionals to your door when you need them most. Another added benefit of having a home warranty policy 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 company you have your home warranty with.
As for the disadvantages of home warranties, coverage varies by provider, so it’s important to understand what each policy covers and doesn’t include in the contract.
Plus, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in Concord can cost anywhere from $30 to $60 a month. Higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some companies will also lower your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan helps protect against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in case of something such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim if you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which isn't that common in Concord.
A home warranty policy can help homeowners, investors, home sellers, homebuyers, and real estate agents. It can offer peace of mind to anyone involved in homeownership.
The different types of home warranties in Concord include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers your home systems and appliances, including your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the specific items mentioned in the policy.
Home warranty plans generally provide coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month options as well.
Usually the person who owns the home pays for the home warranty. In some cases, however, the person who is selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Concord is $381,932, a home warranty can be an added asset when buying a home.
