Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Fairmount comes with quite a few perks, but it also comes with worries and concerns. Your home’s appliances and systems will eventually need repairs, and this could mean a huge expense. A home warranty can bring you the peace of mind you need and protect your savings account from large expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be challenging because of the sheer number of options available. If you're overwhelmed by trying to compare them all, keep reading for our guide to the top home warranty providers in Fairmount.
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 Fairmount, Liberty Home Guard offers the most trustworthy home warranty. Liberty has over 6 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. The 3 plans from Liberty are easy to understand and offer both system and appliance coverage. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
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 of the major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read more by visiting our detailed 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
In Fairmount, Choice Home Warranty offers the best overall home warranty. Choice has over 15 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. The 2 plans from Choice are easy to understand and offer both system and appliance coverage. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
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 of the major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read more by visiting our detailed 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
In Fairmount, Select Home Warranty offers the most cost-effective home warranty. Select has over 11 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. The 3 plans from Select are easy to understand and offer both system and appliance coverage. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. 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 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 of the major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read more by visiting our detailed 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
In Fairmount, American Home Shield offers the most customizable home warranty. AHS has over 26 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. The 3 plans from AHS are easy to understand and offer both system and appliance coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
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 of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read more by visiting our detailed 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
In Fairmount, Cinch Home Services offers 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 an expansive network of service professionals in the country. The 3 plans from Cinch are easy to understand and offer both system and appliance coverage. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
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 of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our detailed 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
In Fairmount, The Home Service Club offers 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 an expansive network of service professionals in the country. The 2 plans from HSC are easy to understand and offer both system and appliance coverage. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. 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 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 of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read more by visiting our detailed 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 | $5,991 |
| Heating | $3,994 |
| Electrical | $599 |
| Toilets | $499 |
| Washer/Dryer | $799 |
| Plumbing | $599 |
| Oven | $1,598 |
| Fridge | $599 |
A home warranty is a protection policy that helps Fairmount homeowners cut the expenses of appliance and system repairs. The plans provide financial coverage to fix or replace appliances and systems that stop working due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid expensive emergency repairs. The coverage is especially helpful for owners of 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. Common covered appliances are garbage disposals, microwaves, dryers, refrigerators, washers, dishwashers, and more. Covered systems are typically electrical, plumbing, air conditioning, and heating. Many home warranty providers offer add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. Most home warranty plans require Fairmount homeowners to refrain from making claims for 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 natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Before agreeing to a home warranty contract, you should learn key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranties vary widely in terms of included coverage. Basic plans typically include plumbing, heating, electrical, AC, and appliances, while more comprehensive options may also cover well pumps, spas, roof leaks, and pools. Look for a company that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's reputation provides insight into things such as repair timeliness, approval rates, contractor quality, and customer satisfaction. Check review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Good ratings and feedback indicate a provider known for great service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Reach out to potential businesses to learn the number of repair specialists they have in Fairmount and get an idea of how quickly your repairs could be handled in an emergency. More extensive networks raise the probability of getting qualified contractors to swiftly service your home.
Home warranty providers might include perks such as maintenance discounts, energy efficiency upgrades, and coverage for smart home devices. These extras can add value beyond basic repair coverage. Additional perks can maximize the usefulness of the home warranty.
Temperatures in Fairmount can drop to the negatives in the winter, which means your heating system is most likely going to get a lot of use. As a homeowner in Fairmount, one benefit of having a home warranty is that these home systems and major appliances can be covered if they have to be repaired or replaced.
Plus, having a home warranty can save you some time by removing the need to research repair people — most companies will send a trusted professional right to your door to do the 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 plan to a new owner and give them the same protection you’ve been getting.
One main drawback of a home warranty is not everything may be covered. It’s important to weigh the different policies and sign up for one that covers all the appliances, systems, and add-ons you need.
Another thing to take into consideration is that some providers don’t cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty company for clarification about it if you aren’t sure or if this is a problem for you.
A home warranty plan costs, on average, about $300 to $600 a year in Fairmount. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by choosing a higher service fee. In addition, it's typically less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty covers normal wear and tear to home systems and appliances. Homeowners insurance protects your entire home in case of a situation such as a fire or natural disaster. Under a homeowners insurance plan, you won't be able to file a claim should you need a new dryer or dishwasher, unless the damage is due to a natural disaster, which is somewhat common in Fairmount.
A home warranty policy can help real estate agents, home sellers, homebuyers, homeowners, and investors. It can offer peace of mind and savings to anyone involved with homeownership.
The different types of home warranties in Fairmount include plans that cover either appliances or systems as well as combination plans. A combination plan covers almost all your systems and appliances, including your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the items listed in the contract.
Generally, a home warranty plan offers coverage for a year and can be renewed annually. Some providers may offer month-to-month options.
Typically, the homeowner pays for the home warranty. In some cases, however, the one selling the home may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Fairmount is $192,879, a home warranty can be an added asset when buying a home.
