Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Little Falls offers homeowners some beautiful living options. However, unplanned repair and replacement costs on your home’s systems and appliances can get quite pricey. A home warranty in Little Falls can help lower your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that break down due to normal wear and tear.
Finding the best home warranty on the market can be overwhelming, since there are lots of companies to decide between. That’s why the Today's Homeowner team did the research and compiled a list of the best home warranty companies in Little Falls 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
In Little Falls, 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 3 home warranty plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is lower than other providers in the Little Falls area.
For a more detailed breakdown, read our Liberty Home Guard full review. To get a free quote from Liberty Home Guard, you can 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
In Little Falls, 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 2 home warranty plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the Little Falls area.
For a more detailed breakdown, read our Choice Home Warranty full review. To get a free quote from Choice Home Warranty, you can 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
In Little Falls, 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 3 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Little Falls area.
For a more detailed breakdown, read our Select Home Warranty full review. To get a free quote from Select Home Warranty, you can 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
In Little Falls, 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 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Little Falls area.
For a more detailed breakdown, read our American Home Shield full review. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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 Little Falls, 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 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Little Falls area.
For a more detailed breakdown, read our Cinch Home Services full review. To get a free quote from Cinch Home Services, you can 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
In Little Falls, 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 2 home warranty plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Little Falls area.
For a more detailed breakdown, read our The Home Service Club full review. To get a free quote from The Home Service Club, you can 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 | $6,850 |
| Heating | $4,567 |
| Electrical | $685 |
| Toilets | $571 |
| Washer/Dryer | $913 |
| Plumbing | $685 |
| Oven | $1,827 |
| Fridge | $685 |
A home warranty is a protection plan that helps reduce the high costs for Little Falls homeowners needing appliance and system repairs. These plans provide financial coverage to repair or replace appliances and systems that break due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent expensive emergency repairs. Home warranties are particularly useful for older construction homes with aging systems. New homes with up-to-date appliances may not require a home warranty.
Home warranties cover your household systems and appliances. Typical covered appliances include microwaves, dryers, washers, dishwashers, garbage disposals, refrigerators, and others. Covered systems include plumbing, air conditioning, electrical, and heating. Many home warranty plans offer additional coverage for septic systems, central vacuums, roof leaks, and even locksmiths. Little Falls homeowners should know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. You need to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by your policy.
Before agreeing to a home warranty contract, you should know key terms like:
When selecting a home warranty provider, there are several important factors to consider:
Home warranties have significant variation in what they include. Basic plans typically include plumbing, AC, electrical, heating, and appliances, while more comprehensive plans may also cover well pumps, roof leaks, spas, and pools. Look for companies with an array of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your home’s 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 providers also remove deductibles if a customer goes a period of time without filing any claims.
A home warranty company's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Check review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about companies. Good feedback and ratings suggest a company known for quality service.
Home warranty companies have networks of contractors to handle covered repairs. Bigger networks raise the likelihood of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Little Falls to get a sense of how soon your repairs could happen in an emergency.
Some home warranty providers offer bonuses such as energy efficiency upgrades, smart home device protection, and maintenance discounts. These can add value beyond repair coverage. Added bonuses help maximize the usefulness of the home warranty.
Home warranty plans are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Little Falls reaching an average high of 58℃F, you may find that some appliances, like your air conditioning unit, get a lot of use. A home warranty can remarkably lower out-of-pocket expenses should your HVAC system break down.
Not to mention, having a home warranty can save you time by getting rid of the need to research repair people — most providers will send a trusted professional right to your door to complete the repair or replacement. A home warranty can also yield value in other ways. For instance, some plans can be transferred to another owner during a home sale.
Home warranties also have some drawbacks. While it can save you time when the home warranty sends out a contractor who does the repair for you, some people may not like this, and they may want to select their own contractor. If that’s important to you, some home warranty companies allow you to choose a contractor.
Another thing to bear in mind is that some companies don’t cover pre-existing damage and may require an inspection before your coverage can start. Ask the home warranty provider for clarification about these things if you need more information or if this is a problem for you.
A home warranty plan costs, on average, around $300 to $600 a year in Little Falls. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover issues related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of insurance that protects the entire home from natural disasters, which can sometimes be a concern in Little Falls. It doesn't cover a normal appliance or system breakage.
Homebuyers, home sellers, homeowners, landlords, and real estate agents are all eligible for home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
The different home warranties in Little Falls include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers almost all your systems and appliances, including your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover only the items listed in the contract.
Home warranty plans usually provide coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Typically, the person who owns the home is responsible for paying for the home warranty. In some cases, though, the person who is selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Little Falls is $533,591, a home warranty can be an added asset when buying a home.
