Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated May 2024
Homeownership in Lower has many perks, but it also comes with its challenges. Your home’s appliances and systems will eventually need repairs, and this could mean a burdensome expense. A home warranty can bring you the peace of mind you need and protect your savings account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be difficult, since there are dozens 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 Lower 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 Lower, Liberty Home Guard is the most trustworthy home warranty. Liberty has more than 6 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easily comprehensible and have a mix of both system and appliance coverage.
Liberty Home Guard has 3 plans that provide a combination of appliance and system coverage. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000 at the maximum.
For more information on this provider, read our Liberty Home Guard full review. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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 Lower, Choice Home Warranty is the best overall home warranty. Choice has more than 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easily comprehensible and have a mix of both system and appliance coverage.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000 at the maximum.
For more information on this provider, read our Choice Home Warranty full review. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 Lower, Select Home Warranty is the most cost-effective home warranty. Select has more than 11 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easily comprehensible and have a mix of both system and appliance coverage.
Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000 at the maximum.
For more information on this provider, read our Select Home Warranty full review. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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 Lower, American Home Shield is the most customizable home warranty. AHS has more than 26 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easily comprehensible and have a mix of both system and appliance coverage.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500 at the maximum.
For more information on this provider, read our American Home Shield full review. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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 Lower, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has more than 44 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and have a mix of both system and appliance coverage.
Cinch Home Services has 3 plans that provide a combination of appliance and system coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000 at the maximum.
For more information on this provider, read our Cinch Home Services full review. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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 Lower, The Home Service Club is the best home warranty with the quickest service. HSC has more than 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, HSC is the perfect provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are easily comprehensible and have a mix of both system and appliance coverage.
The Home Service Club has 2 plans that provide a combination of appliance and system coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000 at the maximum.
For more information on this provider, read our The Home Service Club full review. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,304 |
| Heating | $4,203 |
| Electrical | $630 |
| Toilets | $525 |
| Washer/Dryer | $841 |
| Plumbing | $630 |
| Oven | $1,681 |
| Fridge | $630 |
A home warranty is a protection policy that assists Lower homeowners reduce the high costs of household repairs. These plans offer financial protection to repair or replace appliances and systems that stop working from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then finds 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 goes over the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid high-priced emergency repairs. The coverage is particularly helpful for those living in older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and functioning appliances might not require a home warranty.
Home warranties cover many home systems and appliances. Typical covered appliances are dryers, washers, dishwashers, refrigerators, microwaves, garbage disposals, and others. Covered systems include electrical, air conditioning, plumbing, and heating. Many home warranty plans offer additional coverage for septic systems, roof leaks, central vacuums, and even locksmiths. It's important for Lower homeowners to understand most home warranty plans have a 30-day waiting period before repair claims will be approved. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
There are several home warranty terms to learn before signing an agreement, including:
There are several important considerations when choosing a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans provide coverage for heating, plumbing, electrical, AC, and appliances. More robust coverage options also include protection for other items such as pools, well pumps, spas, and roof leaks. Look for providers with a diverse range of coverage options, including upgraded plans. This helps you tailor protection to your needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out companies advertising lower service fees to optimize savings on each repair claim. Certain providers may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's reputation gives insight into things such as repair timeliness, approval rates, contractor quality, and customer service. Browse review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty companies use networks of local repair technicians to manage repairs in a given area. Reach out to potential companies to ask how many repair technicians they have in Lower and get an idea of how fast your repairs could be handled in an emergency. Wider networks improve the chance of getting qualified contractors to promptly service your home.
Some home warranty companies may include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These can provide extra value beyond repair coverage. Added bonuses let you enhance your home and get the most from your warranty policy.
Home warranty policies are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Lower hitting an average high of 59℃F, you may find that certain appliances, like your air conditioner, get a lot of use. A home warranty can remarkably decrease out-of-pocket costs should your HVAC system break down.
Plus, having a home warranty can save you time by getting rid of the need to research contractors — most companies will send a trusted professional right to your door to do the necessary repair or replacement. Additionally, having a home warranty can help make your house more appealing to potential homebuyers should you ever decide to sell in the future. Many home warranty providers will allow you to transfer your policy to a new owner and give them the protection you’ve been getting.
There are also some downsides to purchasing a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Another thing to keep in mind is that some companies don’t cover pre-existing issues 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 Lower. Our high-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. In addition, it's usually less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty helps protect against normal wear and tear to home systems and appliances. Homeowners insurance protects your entire home in a situation such as a fire or natural disaster. With homeowners insurance, you will not be able to file a claim if you need a new dryer or oven, unless the damage is due to a natural disaster, which is somewhat common in Lower.
First-time homebuyers, real estate agents, home sellers, landlords, and homeowners can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
A home warranty plan will 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 useful if you want to save some money.
Generally, a home warranty plan offers coverage for a year and can be renewed annually. Some providers may offer month-to-month options.
Usually the person who owns the home is responsible for paying for the home warranty. In some cases, however, the home seller may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Lower is $643,526, a home warranty can save you some money when buying a home.
