Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
There are lots of advantages of owning a home, but as your Clark home gets older, you may have to update or repair your appliances and systems. 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 considerably lower and give you some peace of mind.
Finding the best home warranty on the market can be overwhelming, as there are lots of companies to decide between. That’s why our team at Today's Homeowner did the research and compiled a list of the top home warranty companies in Clark for you.
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 Clark residents. Liberty is a home warranty company with 6 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Liberty are comprehensive and offer a mix of both system and appliance coverage. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For more information on this provider, read our detailed 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 Clark residents. Choice is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. The 2 plans from Choice are comprehensive and offer a mix of both system and appliance coverage. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
To receive 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 detailed 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 Clark residents. Select is a home warranty company with 11 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Select are comprehensive and offer a mix of both system and appliance coverage. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For more information on this provider, read our detailed 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 Clark residents. AHS is a home warranty company with 26 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from AHS are comprehensive and offer a mix of both system and appliance coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. For more information on this provider, read our detailed 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Clark residents. Cinch is a home warranty company with 44 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Cinch are comprehensive and offer a mix of both system and appliance coverage. 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For more information on this provider, read our detailed 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 Clark residents. HSC is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. The 2 plans from HSC are comprehensive and offer a mix of both system and appliance coverage. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For more information on this provider, read our detailed 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 | $6,771 |
| Heating | $4,514 |
| Electrical | $677 |
| Toilets | $564 |
| Washer/Dryer | $903 |
| Plumbing | $677 |
| Oven | $1,806 |
| Fridge | $677 |
A home warranty is a protection plan that helps Clark homeowners in lowering the expenses of appliance and system repairs. The plans offer coverage to swap out or repair appliances and systems that malfunction due to normal wear and tear.
When something stops working, you file 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 cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly useful for those who own older homes or ones with outdated systems. Newer builds with working fixtures probably don’t need a home warranty.
Home warranties cover many household systems and appliances. Warranties usually cover appliances such as microwaves, refrigerators, dishwashers, washers, dryers, garbage disposals, and more. Covered systems include plumbing, electrical, air conditioning, and heating. Many home warranty providers also offer add-on coverage for locksmiths, roof leaks, septic systems, and central vacuums. Most home warranty plans require Clark homeowners to refrain from making claims for 30 days before the plan will cover repairs. Additionally, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
There are several home warranty terms to learn before signing an agreement, including:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage varies, although most plans provide coverage for AC, plumbing, heating, electrical, and appliances. More extensive plans may also include extra things such as well pumps, pools, roof leaks, and spas. Look for companies with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which gets paid per claim you submit. The per-request costs can add up. You may decide to look for companies with lower service 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 service. Browse review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Good ratings and feedback indicate a company known for great service.
Home warranty providers have networks of local professionals to handle repairs in your area. Reach out to potential providers to find out how many repair professionals they have in Clark and get an idea for how quickly your repairs could take place in an emergency situation. Wider networks raise the chances of getting qualified contractors to swiftly service your home.
Some home warranty companies provide extras such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These can add value beyond just repair coverage. Extra bonuses help maximize the usefulness of the home warranty.
Home warranty policies are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Clark hitting an average high of 60℃F, you may find that some appliances, such as your air conditioner, get a lot of use. A home warranty can remarkably bring down out-of-pocket costs should your HVAC system stop working.
Not only can a home warranty give you some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a contractor and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most. Another benefit of having a home warranty is when you’re selling your home, you can most likely transfer your home warranty plan to the new owners. This can make your house more attractive to potential homebuyers and may help your house sell faster.
One downside of signing up for a home warranty is that there are often exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it’s important to read through the contracts you’re considering thoroughly to get a sense of what is included and what isn’t.
Also, 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 policy costs, on average, about $300 to $600 a year in Clark. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's typically less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover problems with 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 Clark. It doesn't cover a typical appliance or system damage.
Homebuyers, real estate agents, landlords, homeowners, and home sellers can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
A home warranty policy can cover your home’s 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're concerned about one more than the other.
Home warranty plans usually last a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
Usually, the homeowner is the one who is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Clark, where the median home value is $612,482, having the seller pay for the home warranty can be a good asset for your new home.
