Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
As much as you may love homeownership in Shiprock, there's always that worry about whether your appliances and systems are going to hold up during the next few years. A home warranty can give you the peace of mind you need and guard your bank account from large expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be quite a challenge because of the sheer number of options out there. If you're tired of trying to compare them all, keep reading for our guide on the top home warranty companies in Shiprock.
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 Shiprock, Liberty Home Guard is the most trustworthy home warranty. Liberty has over 6 years of experience in the industry and in that time has built a impressive network of service professionals in the country. When you buy a plan 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 has 3 simple plans, making the selection process quick and easy.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 for each covered system or appliance.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our Liberty Home Guard full review.
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 Shiprock, Choice Home Warranty is the best overall home warranty. Choice has over 15 years of experience in the industry and in that time has built a impressive network of service professionals in the country. When you buy a plan 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 has 2 simple plans, making the selection process quick and easy.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered system or appliance.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our Choice Home Warranty full review.
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 Shiprock, Select Home Warranty is the most cost-effective home warranty. Select has over 11 years of experience in the industry and in that time has built a impressive network of service professionals in the country. When you buy a plan 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 has 3 simple plans, making the selection process quick and easy.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage caps come out to around $2,000 for each covered system or appliance.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit our Select Home Warranty full review.
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 Shiprock, American Home Shield is the most customizable home warranty. AHS has over 26 years of experience in the industry and in that time has built a impressive network of service professionals in the country. When you buy a plan 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 has 3 simple plans, making the selection process quick and easy.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 for each covered system or appliance.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. To read more, visit our American Home Shield full review.
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
In Shiprock, First American Home Warranty is the best home warranty for appliance coverage. First American has over 39 years of experience in the industry and in that time has built a impressive network of service professionals in the country. When you buy a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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. First American has 2 simple plans, making the selection process quick and easy.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 for each covered system or appliance.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. To read more, visit our First American Home Warranty full review.
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
In Shiprock, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has over 44 years of experience in the industry and in that time has built a impressive network of service professionals in the country. When you buy a plan 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 has 3 simple plans, making the selection process quick and easy.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 for each covered system or appliance.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our Cinch Home Services full review.
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 Shiprock, The Home Service Club is the best home warranty with the quickest service. HSC has over 15 years of experience in the industry and in that time has built a impressive network of service professionals in the country. When you buy a plan 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 has 2 simple plans, making the selection process quick and easy.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 for each covered system or appliance.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our The Home Service Club full review.
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 | $5,441 |
| Heating | $3,627 |
| Electrical | $544 |
| Toilets | $453 |
| Washer/Dryer | $725 |
| Plumbing | $544 |
| Oven | $1,451 |
| Fridge | $544 |
A home warranty is a protection policy that helps Shiprock homeowners cut the high costs of household repairs. These plans provide financial coverage to repair or replace appliances and systems that break down from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the fix 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 security for homeowners by helping them prevent expensive emergency repairs. They're particularly useful for those who live in older homes or ones with aging systems. More modern builds with functional appliances probably don’t need a home warranty.
Home warranties cover your home's systems and appliances. Typical covered appliances are washers, dryers, dishwashers, refrigerators, microwaves, garbage disposals, and others. Covered systems include electrical, heating, air conditioning, and plumbing. Many home warranty plans offer extra coverage for septic systems, roof leaks, central vacuums, and even locksmiths. Shiprock 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 needed due to normal wear and tear. Home warranties don't cover things like cosmetic issues, natural disasters, pre-existing conditions, or damage caused by improperly using a system or appliance. It's important to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by the policy.
Before agreeing to a home warranty contract, you should understand key terms like:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage varies, although most plans cover heating, AC, electrical, plumbing, and appliances. More inclusive plans may also cover additional items such as roof leaks, well pumps, spas, and pools. Focus on providers with broad coverage options including upgraded plans. This flexibility enables you to customize protection for your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using companies with more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles after periods where a customer files no claims.
A home warranty provider's reputation provides insights into factors such as repair speed, contractor expertise, claim approval rates, and customer satisfaction. Read through review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about companies. Positive feedback and ratings suggest a company known for providing quality service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. Wider networks increase the likelihood of getting skilled contractors to your home quickly. Reach out to possible providers to ask how many contractors they have in Shiprock. This helps you understand how long repairs may take in an urgent situation.
Some home warranty companies include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These can offer extra value beyond just repair coverage. Extra bonuses allow you to enhance your home and get the most from your home warranty.
Temperatures in Shiprock can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a good bit of use. As a homeowner in Shiprock, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
A home warranty also can also save you time and energy. Instead of spending hours researching and choosing a repair person to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Another added benefit of having a home warranty plan is that it can increase your home’s property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
There are also some negatives to buying a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another consideration is that home warranties usually only cover malfunctions due to normal wear and tear. They most likely won’t cover systems or appliances that have been damaged due to improper maintenance, natural disasters, animal infestations, etc.
A home warranty plan costs, on average, about $300 to $600 a year in Shiprock. Our top-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 often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover problems with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different insurance that protects the entire home from natural disasters, which can sometimes be a concern in Shiprock. It doesn't cover a typical appliance or system damage.
A home warranty plan can help homebuyers, investors, home sellers, homeowners, and real estate agents. It can offer peace of mind and savings to anyone involved with homeownership.
A home warranty will cover your appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Generally, a home warranty offers coverage for a year and can be renewed annually. Some companies may offer month-to-month plans.
Usually, the homeowner is the one who is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Shiprock, where the median home value is $234,429, having the seller pay for the home warranty can be a good asset for your new home.
