Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Monroe comes with quite a few benefits, but it also comes with its challenges. Your home’s appliances and systems will inevitably need repairs, and this could mean a burdensome expense. A home warranty plan can help protect homeowners by reducing the costs of major repairs and replacements on your home’s most important appliances and systems.
Choosing the best home warranty on the market can be challenging because of the sheer number of options out there. If you're tired of trying to compare them all, keep reading for our guide to the top home warranty providers in Monroe.
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 is the most trustworthy home warranty for Monroe 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. When you buy a home warranty 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 offers 3 plans for you to choose from.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
Read our Liberty Home Guard Review to learn more. 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
Choice Home Warranty is the best overall home warranty for Monroe 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. When you buy a home warranty 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 offers 2 plans for you to choose from.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
Read our Choice Home Warranty Review to learn more. 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
Select Home Warranty is the most cost-effective home warranty for Monroe 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. When you buy a home warranty 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 offers 3 plans for you to choose from.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
Read our Select Home Warranty Review to learn more. 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
American Home Shield is the most customizable home warranty for Monroe 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. When you buy a home warranty 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. AHS offers 3 plans for you to choose from.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
Read our American Home Shield Review to learn more. 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
Cinch Home Services is the home warranty with the best workmanship guarantee for Monroe 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. When you buy a home warranty 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 offers 3 plans for you to choose from.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
Read our Cinch Home Services Review to learn more. 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
The Home Service Club is the best home warranty with the quickest service for Monroe 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. When you buy a home warranty 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. HSC offers 2 plans for you to choose from.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
Read our The Home Service Club Review to learn more. 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 | $6,637 |
| Heating | $4,425 |
| Electrical | $664 |
| Toilets | $553 |
| Washer/Dryer | $885 |
| Plumbing | $664 |
| Oven | $1,770 |
| Fridge | $664 |
A home warranty is a protection policy that assists Monroe homeowners lower the high costs of household repairs. These plans provide financial coverage to fix or swap out 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 provider 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 exceeds the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are particularly useful for owners of older homes or homes with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are dryers, refrigerators, dishwashers, washers, garbage disposals, microwaves, and more. Covered systems are normally plumbing, heating, air conditioning, and electrical. Many home warranty providers offer add-on coverage for septic systems, central vacuums, roof leaks, and locksmiths. Most home warranty plans require Monroe homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Additionally, policies normally 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.
Before agreeing to a home warranty contract, you should understand key terms like:
There are several important considerations when selecting a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans include protection for electrical, AC, heating, plumbing, and appliances. More robust coverage options also include protection for other items such as pools, roof leaks, well pumps, and spas. Look for companies with an assortment of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for providers advertising more affordable fees to optimize savings on each repair claim. Certain companies may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty company's reputation provides insights into factors such as claim approval rates, repair speed, contractor expertise, and customer satisfaction. Look at review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about companies. Good reviews and ratings suggest a company known for delivering quality service.
Home warranty providers keep networks of contractors to handle covered repairs. Bigger networks improve the likelihood of getting qualified technicians to swiftly service your home. Reach out to potential providers and ask how many contractors they have in Monroe to get a sense of how soon your repairs could happen in an emergency.
Home warranty providers may include bonuses such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These extras can add value beyond just repair coverage. Additional perks help maximize the usefulness of the home warranty.
Monroe’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 cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the necessary repairs, saving you from spending a lot of money out of pocket.
Along with saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the headache of trying to find a qualified contractor to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair problems you may experience. Plus, having a home warranty can help make your house more appealing to potential homebuyers if you ever decide to sell later. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you’ve been getting.
Home warranties also have some cons. Though it can give you less to worry about since the home warranty sends out a service technician who handles the repair for you, some may not like this, and they would prefer to select a contractor themselves. If that’s the case for you, some home warranty plans let you choose a contractor.
Another potential pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your repair requests being denied, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Monroe can cost between $30 and $60 a month. The higher-priced plans usually have a lower service fee, broader coverage, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some companies will also decrease 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 home systems and appliances. Homeowners insurance protects your entire home in case of something such as a natural disaster or fire. With homeowners insurance, you will not be able to file a claim if you need a new refrigerator or stove, unless the damage is due to a natural disaster, which is somewhat common in Monroe.
A home warranty policy can help homebuyers, home sellers, homeowners, investors, and real estate agents. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty will cover your home’s systems, appliances, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Home warranty plans usually last a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.
Usually 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 policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Monroe is $457,824, a home warranty can be an added asset when buying a home.
