Written By David Cusick
Last Updated April 2024
Owning a home in Chaparral has a lot of great advantages, but there are some negatives. Hot summers can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty can give you the peace of mind you need and shield your savings account from unexpected expenses by covering your home’s major appliances and systems.
The home warranty market has a variety of providers — all with different coverage — so the Today's Homeowner team has done the research to help you find the best home warranty companies in Chaparral.
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 for Chaparral residents. Liberty has been operating for around 6 years, making it a highly regarded company in the industry. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easy to comprehend and offer both system and appliance coverage.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For a more detailed breakdown, read our 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 offers the best overall home warranty for Chaparral residents. Choice has been operating for around 15 years, making it a highly regarded company in the industry. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easy to comprehend and offer both system and appliance coverage.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For a more detailed breakdown, read our 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 offers the most cost-effective home warranty for Chaparral residents. Select has been operating for around 11 years, making it a highly regarded company in the industry. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easy to comprehend and offer both system and appliance coverage.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For a more detailed breakdown, read our 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 offers the most customizable home warranty for Chaparral residents. AHS has been operating for around 26 years, making it a highly regarded company in the industry. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easy to comprehend and offer both system and appliance coverage.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For a more detailed breakdown, read our review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage for Chaparral residents. First American has been operating for around 39 years, making it a highly regarded company in the industry. First American offers very affordable and comprehensive appliance coverage. Plus, it also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The 2 plans from First American are easy to comprehend and offer both system and appliance coverage.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For a more detailed breakdown, read our review of First American Home Warranty.
Basic Plan
Premier Plan
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 for Chaparral residents. Cinch has been operating for around 44 years, making it a highly regarded company in the industry. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easy to comprehend and offer both system and appliance coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For a more detailed breakdown, read our 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 offers the best home warranty with the quickest service for Chaparral residents. HSC has been operating for around 15 years, making it a highly regarded company in the industry. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also 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 easy to comprehend and offer both system and appliance coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read our 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 | $5,729 |
Heating | $3,819 |
Electrical | $573 |
Toilets | $477 |
Washer/Dryer | $764 |
Plumbing | $573 |
Oven | $1,528 |
Fridge | $573 |
A home warranty is a protection policy that assists Chaparral homeowners lower the high costs of household repairs. These plans provide financial coverage to repair 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 finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives homeowners reassurance by helping 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, people with newer homes and modern appliances might not need a home warranty.
Home warranties cover your home systems and appliances. Covered appliances normally include dryers, dishwashers, garbage disposals, washers, refrigerators, microwaves, and others. Covered systems include air conditioning, plumbing, heating, and electrical. Many home warranty providers also offer add-on coverage for central vacuums, roof leaks, locksmiths, and septic systems. Most home warranty plans require Chaparral homeowners to wait 30 days before the plan will cover repairs. Moreover, policies usually only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranty contracts use several terms that you'll want to know before signing, such as:
There are several important considerations when selecting a home warranty provider:
Home warranties have significant variation in what they include. Basic plans typically cover plumbing, AC, electrical, heating, and appliances, while more comprehensive plans may also cover well pumps, spas, roof leaks, and pools. Focus on companies with wide-ranging coverage selections including upgraded plans. Flexibility like this will help you customize your plan to meet your home's 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 look for providers advertising lower service fees to optimize savings on each repair claim. Certain companies may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's reputation can offer insight into things such as contractor quality, approval rates for claims, speed of repairs, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty providers have networks of contractors to handle covered repairs. Bigger networks increase the probability of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Chaparral to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty providers offer bonuses such as maintenance discounts, energy efficiency upgrades, and smart home device protection. These perks add value beyond just repair coverage. Added bonuses help maximize the usefulness of your home warranty.
Since temperatures in Chaparral can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Buying a home warranty policy can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of needing to vet technicians yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. Additionally, though it varies by company, some providers will allow you to transfer your warranty if you sell your home. This can make your house more attractive to potential homebuyers and help your home sell faster.
One of the major drawbacks of a home warranty is not every home system and appliance may be covered. It’s important to compare the different policies and purchase one that covers all the appliances, systems, and add-ons you need.
Plus, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty in Chaparral can cost anywhere from $30 to $60 a month. The higher-priced plans usually have higher coverage limits, a lower service fee, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some companies 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 types of damage each covers. A home warranty plan protects against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in case of a situation such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim should you need a new dryer or air conditioner, unless the damage is due to a natural disaster, which is somewhat common in Chaparral.
A home warranty plan can help homeowners, investors, homebuyers, real estate agents, and home sellers. It can provide peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in Chaparral include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover many of your systems and appliances, including your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items mentioned in the contract.
Home warranty plans typically last a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
Generally, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Chaparral, where the median value of a home is $183,780, having the seller pay for the home warranty can save you some money on your new home.