Written By David Cusick
Last Updated February 2024
Buying a home is a big step in many people’s lives, but the cost of maintaining it can get expensive over time, especially if your home in Hamilton Square is on the older side. A home warranty is a way to protect your budget from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Finding the best home warranty on the market can be overwhelming, since there are so many companies to choose from. That’s why our team at Today's Homeowner did the research and compiled a list of the best home warranty companies in Hamilton Square 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 in Hamilton Square. The 3 plans from Liberty are easily comprehensible 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 from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Hamilton Square area.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read our review of Liberty Home Guard to learn more.
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 in Hamilton Square. The 2 plans from Choice are easily comprehensible 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 from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Hamilton Square area.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our review of Choice Home Warranty to learn more.
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 in Hamilton Square. The 3 plans from Select are easily comprehensible 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 from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the Hamilton Square area.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our review of Select Home Warranty to learn more.
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 in Hamilton Square. The 3 plans from AHS are easily comprehensible 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 from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Hamilton Square area.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our review of American Home Shield to learn more.
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 in Hamilton Square. The 3 plans from Cinch are easily comprehensible 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 from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Hamilton Square area.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our review of Cinch Home Services to learn more.
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 in Hamilton Square. The 2 plans from HSC are easily comprehensible 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 from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Hamilton Square area.
To get a free quote from The Home Service Club, you can 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
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 | $7,037 |
Heating | $4,692 |
Electrical | $704 |
Toilets | $586 |
Washer/Dryer | $938 |
Plumbing | $704 |
Oven | $1,877 |
Fridge | $704 |
A home warranty is a protection plan that assists Hamilton Square homeowners reduce the high costs of household repairs. These plans offer financial coverage to fix or swap out appliances and systems that break down from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty provides peace of mind 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 builds with functional fixtures probably don’t need a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include garbage disposals, dishwashers, dryers, washers, microwaves, refrigerators, and more. Covered systems are usually plumbing, air conditioning, heating, and electrical. Many home warranty companies provide add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. Hamilton Square homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. Additionally, most policies only address repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before signing a home warranty contract, you should know key terms like:
There are several key factors to consider when choosing a home warranty provider:
Home warranty policies can have major differences in covered items. Most plans provide protection for AC, plumbing, heating, electrical, and appliances. More robust plans also offer protection for other items such as roof leaks, pools, spas, and well pumps. Look for companies with varied coverage options, including upgraded plans. This helps you tailor protection to your needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per service call made. These per-claim charges can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some providers also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's reputation gives insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Positive reviews and ratings indicate a provider known for stellar service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. Larger networks improve the likelihood of getting qualified contractors to your home swiftly. Reach out to possible providers to ask how many contractors they have in Hamilton Square to understand how long repairs could take in an urgent situation.
Certain home warranty providers include perks such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These bonuses provide extra value beyond repair coverage. Extra perks enhance your home and help maximize your home warranty.
Hamilton Square’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 fails in the middle of July, a home warranty can cover the repairs, saving you from spending a lot of money out of pocket.
A home warranty also saves you time and energy. Instead of spending hours researching and selecting 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. Plus, having a home warranty can make your house more attractive to potential homebuyers should you ever decide to sell later. Many home warranty companies will allow you to transfer your plan to a new owner and give them the same protection you’ve been benefiting from.
There are also some negatives to purchasing a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty.
Another drawback is that home warranties may exclude some repairs, such as those needed because of natural disasters. For example, if your house floods, the impacted systems and appliances most likely won’t be covered by the home warranty.
A home warranty in Hamilton Square can cost between $30 and $60 a month. Higher-priced plans usually have higher coverage limits, a lower service fee, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some providers will also reduce 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 protects against normal wear and tear to systems and appliances in a home. Homeowners insurance protects your entire home in case of something such as a fire or natural disaster. Under a homeowners insurance plan, you will not be able to file a claim if you need a new refrigerator or air conditioner, unless the damage is due to a natural disaster, which is somewhat common in Hamilton Square.
Homebuyers, landlords, real estate agents, home sellers, and homeowners can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
The different kinds of home warranties in Hamilton Square include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover your home systems and appliances, including your washing machine, drier, and HVAC. An appliance or system plan will cover only the items listed in the policy.
Home warranty plans typically last a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Generally, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Hamilton Square, where the median value of a home is $548,860, having the seller pay for the home warranty can be a good asset for your new home.