Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated June 2024
Owning a home can have many advantages, but it can also come with some negatives like maintenance. The older your house’s systems and appliances are, the more you may want to consider getting a home warranty. A home warranty can offer you the peace of mind you need and safeguard your bank account from unexpected expenses by covering your home’s major systems and appliances.
The home warranty market is saturated with many providers — all with different plans — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Vernon.
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 in Vernon. Liberty has been operating for around 6 years, making it a respected company in the industry. The 3 home warranty plans that Liberty offers include options for appliance and system coverage. 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.
Liberty Home Guard has 3 plans that offer a combination of appliance and system coverage. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Vernon area.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For more information on this provider, read our comprehensive 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 is the best overall home warranty in Vernon. Choice has been operating for around 15 years, making it a respected company in the industry. The 2 home warranty plans that Choice offers include options for appliance and system coverage. 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.
Choice Home Warranty has 2 plans that offer a combination of appliance and system coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Vernon area.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For more information on this provider, read our comprehensive 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 is the most cost-effective home warranty in Vernon. Select has been operating for around 11 years, making it a respected company in the industry. The 3 home warranty plans that Select offers include options for appliance and system coverage. 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.
Select Home Warranty has 3 plans that offer a combination of appliance and system coverage. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Vernon area.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information on this provider, read our comprehensive 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 is the most customizable home warranty in Vernon. AHS has been operating for around 26 years, making it a respected company in the industry. The 3 home warranty plans that AHS offers include options for appliance and system coverage. 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.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Vernon area.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For more information on this provider, read our comprehensive 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 is the home warranty with the best workmanship guarantee in Vernon. Cinch has been operating for around 44 years, making it a respected company in the industry. The 3 home warranty plans that Cinch offers include options for appliance and system coverage. 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.
Cinch Home Services has 3 plans that offer a combination of appliance and system coverage. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Vernon area.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information on this provider, read our comprehensive 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 is the best home warranty with the quickest service in Vernon. HSC has been operating for around 15 years, making it a respected company in the industry. The 2 home warranty plans that HSC offers include options for appliance and system coverage. 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 Home Service Club has 2 plans that offer a combination of appliance and system coverage. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Vernon area.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For more information on this provider, read our comprehensive 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 | $6,499 |
| Heating | $4,333 |
| Electrical | $650 |
| Toilets | $542 |
| Washer/Dryer | $867 |
| Plumbing | $650 |
| Oven | $1,733 |
| Fridge | $650 |
A home warranty is a protection policy that helps Vernon homeowners in reducing the expenses of appliance and system repairs. The plans offer coverage to swap out or repair appliances and systems that break down due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent expensive emergency repairs. Home warranties are especially useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances may not require a home warranty.
Home warranties help protect both your home systems and appliances. Common covered appliances include washers, refrigerators, dryers, microwaves, dishwashers, garbage disposals, and more. Covered systems include air conditioning, plumbing, heating, and electrical. Many home warranty plans also offer add-on coverage options for septic systems, locksmiths, central vacuums, and even roof leaks. Vernon homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. What's more, most policies only help pay for repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or improperly using a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
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 include protection for AC, electrical, heating, plumbing, and appliances. More inclusive plans may also include extra things such as roof leaks, well pumps, pools, and spas. Focus on providers with wide-ranging coverage selections including upgraded plans. Flexibility like this will help you customize your plan to meet your needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which is paid per claim you submit. The costs from multiple fees can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty provider's rating gives you insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Complimentary ratings and reviews indicate a provider known for stellar service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. Wider networks improve the probability of getting qualified contractors to your home swiftly. Reach out to possible providers to find out how many technicians they have in Vernon. This helps you understand how long repairs could take in an urgent situation.
Some home warranty companies offer bonuses such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These perks can add value beyond repair coverage. Added bonuses maximize the usefulness of your home warranty.
Since temperatures in Vernon can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty plan can help homeowners save money if one of these systems or appliances breaks down suddenly.
A home warranty also can also save you time and energy. Instead of spending hours finding 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. In addition, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your home more attractive to potential homebuyers and help your home sell faster.
One major drawback of home warranties is not every home system and appliance you care about may be covered. It’s important to weigh the different plans and opt for one that covers all the appliances, systems, and add-ons you need.
Another drawback is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your house floods, the affected systems and appliances probably won’t be covered by the home warranty.
A home warranty in Vernon can cost between $30 and $60 a month. Higher-priced plans usually have broader coverage, a lower service fee, and higher coverage limits. This cost is often lower if you pay 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 covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects your home in case of a situation such as a fire or natural disaster. With a homeowners insurance plan, you won't be able to file a claim if you need a new dryer or air conditioner, unless the damage is a result of a natural disaster, which isn't that common in Vernon.
A home warranty plan can help investors, home sellers, real estate agents, homeowners, and homebuyers. It can offer peace of mind to anyone involved in homeownership.
The different kinds of home warranties in Vernon include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, including your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the specific items mentioned in the contract.
Home warranty plans generally provide coverage for a year. Many providers let you renew your plan yearly, 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, however, the person who is selling the home may buy a home warranty 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 Vernon is $275,399, a home warranty can save you some money when buying a home.
