Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
German Flatts gives homeowners some great housing options and the opportunity to enjoy the snow in the winter. However, freezing temperatures can put quite a strain on your home’s systems, such as your HVAC. 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 overwhelming, since there are dozens of companies to decide between. That’s why the Today's Homeowner team did the research and put together a list of the top home warranty companies in German Flatts for you.
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 in German Flatts. 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. Liberty has 3 plans for homeowners to choose from.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to about $3,000 per covered system or appliance.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. To read more, visit 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 in German Flatts. 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. Choice has 2 plans for homeowners to choose from.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 per covered system or appliance.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. To read more, visit 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 in German Flatts. 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. Select has 3 plans for homeowners to choose from.
The 3 plans from Select Home Warranty 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 about $2,000 per covered system or appliance.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit 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 in German Flatts. 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. AHS has 3 plans for homeowners to choose from.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 per covered system or appliance.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our 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 offers the home warranty with the best workmanship guarantee in German Flatts. 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. Cinch has 3 plans for homeowners to choose from.
The 3 plans from Cinch Home Services 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 about $1,000-$2,000 per covered system or appliance.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit 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 in German Flatts. 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. HSC has 2 plans for homeowners to choose from.
The 2 plans from The Home Service Club 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 about $2,000 per covered system or appliance.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit 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 | $5,558 |
| Heating | $3,706 |
| Electrical | $556 |
| Toilets | $463 |
| Washer/Dryer | $741 |
| Plumbing | $556 |
| Oven | $1,482 |
| Fridge | $556 |
A home warranty is a protection plan that assists German Flatts homeowners reduce the expenses of appliance and system repairs. The plans provide coverage to fix or swap out 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 provider then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid expensive emergency repairs. The coverage is particularly helpful for buyers of older houses or houses with systems near the end of their life span. However, homeowners with newer homes and modern appliances may not need a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are refrigerators, dishwashers, microwaves, garbage disposals, washers, dryers, and more. Included systems are usually heating, plumbing, air conditioning, and electrical. Many home warranty providers offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Most home warranty plans require German Flatts homeowners to wait 30 days before the plan will cover repairs. Moreover, policies typically only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
There are multiple home warranty terms to know before signing an agreement, including:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage varies widely in the items that are included. Most plans include protection for AC, plumbing, heating, electrical, and appliances. More inclusive options also offer coverage on other items such as well pumps, roof leaks, pools, and spas. Look for companies with varied coverage options, including upgraded plans. This allows you to tailor protection to your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a company with more affordable fees to maximize savings on every claim. Some providers also eliminate deductibles if a customer goes a period of time without filing any claims.
A home warranty company's reputation gives insight into things such as repair timeliness, contractor quality, approval rates, and customer service. Use review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Good ratings and feedback indicate a company known for great service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Reach out to potential companies to ask how many repair technicians they have in German Flatts and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks improve the chance of getting qualified contractors to swiftly service your home.
Some home warranty providers include perks such as smart home device coverage, energy efficiency upgrades, and reduced maintenance fees. These extras can provide extra value beyond repair coverage. Added bonuses let you enhance your home and get the most from your warranty policy.
German Flatts’s frigid winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty will cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the repairs, saving you from spending unexpected money out of pocket.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of vetting contractors on your own, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. Another added benefit of having home warranty coverage is that it can raise your home’s real estate 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 purchased your home warranty through.
One of the main drawbacks of a home warranty is not everything may be covered. It’s important to compare the different plans and sign up for one that covers all the appliances, systems, and add-ons you need.
Another drawback is that home warranties may exclude some repairs, such as those needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the impacted systems and appliances most likely won’t be covered by the home warranty.
A home warranty plan costs, on average, around $300 to $600 a year in German Flatts. Our top-rated home warranty companies' 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. In addition, it's typically cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different plan that protects an entire home from natural disasters, which might not be too much of a concern in German Flatts. It doesn't cover a typical appliance or system repairs.
A home warranty can help investors, homeowners, homebuyers, home sellers, and real estate agents. It can offer peace of mind to anyone involved with homeownership.
The different types of home warranties in German Flatts include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers 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 items mentioned in the plan.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month plans.
In general, the homeowner is the one who pays 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 when using the policy. In German Flatts, where the median value of a home is $150,577, having the seller pay for the home warranty can be a good asset for your new home.
