Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Lake Carmel comes with quite a few perks, but it also comes with its challenges. Your home’s appliances and systems will inevitably need repairs, and this could mean a burdensome expense. A home warranty plan can help protect homeowners by reducing the costs of major repairs and replacements on your home’s most important appliances and systems.
The home warranty market is saturated with many providers — all with different offerings — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Lake Carmel.
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 Lake Carmel, Liberty Home Guard is the most trustworthy home warranty. The 3 plans from Liberty are easily comprehensible and offer both system and appliance coverage. With a home warranty from Liberty, you can enjoy 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 offers 3 plans for Lake Carmel homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. 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 give them a call at 866-451-2281. For a more detailed breakdown, read 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 Lake Carmel, Choice Home Warranty is the best overall home warranty. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage. With a home warranty from Choice, you can enjoy 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 offers 2 plans for Lake Carmel homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. 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 give them a call at 929-400-6164. For a more detailed breakdown, read 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 Lake Carmel, Select Home Warranty is the most cost-effective home warranty. The 3 plans from Select are easily comprehensible and offer both system and appliance coverage. With a home warranty from Select, you can enjoy 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 offers 3 plans for Lake Carmel homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. 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 give them a call at 888-370-3953. For a more detailed breakdown, read 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 Lake Carmel, American Home Shield is the most customizable home warranty. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage. With a home warranty from AHS, you can enjoy 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 offers 3 plans for Lake Carmel homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. 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 give them a call at 888-365-2839. For a more detailed breakdown, read our American Home Shield full review.
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 Lake Carmel, Cinch Home Services is the home warranty with the best workmanship guarantee. The 3 plans from Cinch are easily comprehensible and offer both system and appliance coverage. With a home warranty from Cinch, you can enjoy 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 offers 3 plans for Lake Carmel homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. 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 give them a call at 877-589-0505. For a more detailed breakdown, read 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 Lake Carmel, The Home Service Club is the best home warranty with the quickest service. The 2 plans from HSC are easily comprehensible and offer both system and appliance coverage. With a home warranty from HSC, you can enjoy 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 offers 2 plans for Lake Carmel homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. 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 give them a call at 800-750-9443. For a more detailed breakdown, read 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 | $6,580 |
| Heating | $4,387 |
| Electrical | $658 |
| Toilets | $548 |
| Washer/Dryer | $877 |
| Plumbing | $658 |
| Oven | $1,755 |
| Fridge | $658 |
A home warranty is a protection policy that helps Lake Carmel homeowners in reducing the costs of appliance and system repairs. The plans provide financial coverage to replace or fix 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 replacement or fix. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty provides peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with outdated systems. More modern homes with modern fixtures probably don’t require a home warranty.
Home warranties cover your household systems and appliances. Common covered appliances are garbage disposals, refrigerators, washers, dryers, microwaves, dishwashers, and others. Protected systems include air conditioning, heating, plumbing, and electrical. Many home warranty plans offer additional coverage for central vacuums, roof leaks, septic systems, and even locksmiths. Lake Carmel homeowners should know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, pre-existing conditions, natural disasters, or damage caused by improperly using a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by your policy.
Here are some essential home warranty words to learn before signing a contract:
When choosing a home warranty provider, there are several key factors to consider:
Home warranties have significant variation in what they include. Basic plans typically provide protection for AC, heating, electrical, plumbing, and appliances, while more comprehensive plans may also cover spas, well pumps, pools, and roof leaks. Look for providers with flexible coverage choices, including upgraded plans. This helps you tailor protection to your home's 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 lower service fees to maximize savings on every claim. Some companies also do away with deductibles when customers have a claim-free period.
A home warranty provider's reputation can offer insight into things such as approval rates for claims, contractor quality, speed of repairs, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Good ratings and reviews indicate that a company is known for quality service.
Home warranty companies have networks of professionals that they use to tackle covered repairs. Larger networks raise the chance of getting qualified contractors to your home quickly. Contact possible providers to ask how many contractors they have in Lake Carmel to understand how long repairs might take in an urgent situation.
Some home warranty providers include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These extras can offer extra value beyond repair coverage. Added bonuses allow you to enhance your home and get the most from your home warranty.
Temperatures in Lake Carmel can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a good bit of use. As a homeowner in Lake Carmel, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
In addition to saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the pain of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair problems you may experience. Additionally, though home warranty companies vary, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your property more attractive to potential homebuyers and maybe even help your home sell faster.
There are also some downsides to purchasing a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered by a manufacturer's warranty.
Another downside is that home warranties may not include some repairs, such as those due to 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 in Lake Carmel can cost between $30 and $60 a month. The higher-priced plans tend to have higher coverage limits, broader coverage, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some companies will also decrease 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 systems and appliances in a home. Homeowners insurance protects a home in case of a situation such as a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim if you need a new dryer or dishwasher, unless the damage is due to a natural disaster, which isn't that common in Lake Carmel.
A home warranty can help home sellers, homeowners, investors, real estate agents, and homebuyers. It can offer peace of mind to anyone involved in homeownership.
A home warranty will cover your home’s appliances, systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Generally, a home warranty lasts for a year and can be renewed annually. Some providers may offer month-to-month plans.
Generally, the homeowner is responsible for paying 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 transferred to the new homeowner, who has to pay the service fees. In Lake Carmel, where the median value of a home is $496,813, having the seller pay for the home warranty can save you some money on your new home.
