Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Homeownership in New Scotland can be satisfying for many, but it also comes with its fair share of headaches. Repairing your home’s systems and appliances can be an unexpected financial burden for many homeowners. A home warranty is a way to protect your savings account from unexpected expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.
The home warranty market is saturated with a lot of providers — all with different coverage — so our team at Today's Homeowner has done the research to help you find the best home warranty companies in New Scotland.
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 New Scotland, Liberty Home Guard is the most trustworthy home warranty. Liberty has 3 simple plans, making the selection process quick and easy. 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.
Liberty Home Guard offers 3 plans for New Scotland homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also typically around $3,000.
To read more, visit our detailed review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
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 New Scotland, Choice Home Warranty is the best overall home warranty. Choice has 2 simple plans, making the selection process quick and easy. 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.
Choice Home Warranty offers 2 plans for New Scotland homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000.
To read more, visit our detailed review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
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 New Scotland, Select Home Warranty is the most cost-effective home warranty. Select has 3 simple plans, making the selection process quick and easy. 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.
Select Home Warranty offers 3 plans for New Scotland 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. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000.
To read more, visit our detailed review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
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 New Scotland, American Home Shield is the most customizable home warranty. AHS has 3 simple plans, making the selection process quick and easy. 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.
American Home Shield offers 3 plans for New Scotland homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500.
To read more, visit our detailed review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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 New Scotland, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has 3 simple plans, making the selection process quick and easy. 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.
Cinch Home Services offers 3 plans for New Scotland 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. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically around $1,000-$2,000.
To read more, visit our detailed review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
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 New Scotland, The Home Service Club is the best home warranty with the quickest service. HSC has 2 simple plans, making the selection process quick and easy. 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 Home Service Club offers 2 plans for New Scotland homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000.
To read more, visit our detailed review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
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 | $6,282 |
| Heating | $4,188 |
| Electrical | $628 |
| Toilets | $523 |
| Washer/Dryer | $838 |
| Plumbing | $628 |
| Oven | $1,675 |
| Fridge | $628 |
A home warranty is a protection policy that helps cut costs for New Scotland homeowners needing appliance and system repairs. These plans provide coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then arranges 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 peace of mind, as it helps avoid expensive emergency repairs. The coverage is especially helpful for those living in older houses or houses with systems near the end of their life span. However, homeowners with newer homes and working appliances might not require a home warranty.
Home warranties safeguard your home systems and appliances. Common covered appliances include dryers, microwaves, garbage disposals, dishwashers, washers, refrigerators, and more. Covered systems include heating, electrical, air conditioning, and plumbing. Many home warranties also offer add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. New Scotland should understand that most home warranty plans have a waiting period of 30 days before repairs are covered. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should know key terms like:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans provide coverage for plumbing, AC, heating, electrical, and appliances. More comprehensive plans also offer coverage on other items such as well pumps, spas, pools, and roof leaks. Focus on providers with broad coverage options including upgraded plans. Flexibility like this will help you customize your plan to meet your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a company with more affordable fees to maximize savings on every claim. Some companies also remove deductibles when customers have a claim-free period.
A home warranty company's reputation provides insights into factors such as claim approval rates, contractor expertise, repair speed, and customer satisfaction. Check review sites like Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to learn more about providers. Favorable feedback and ratings suggest a company known for quality service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Contact potential companies to learn the number of repair professionals they have in New Scotland and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks increase the likelihood of getting qualified contractors to swiftly service your home.
Some home warranty providers include extras such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These can add value beyond just repair coverage. Added bonuses help maximize the usefulness of your home warranty.
New Scotland’s frigid winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help 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 needed repairs, preventing 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 needing to vet service technicians by yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. A home warranty can also give value in other ways. For instance, some policies can be transferred to another owner during a home sale.
One of the major drawbacks of home warranties is not everything may be covered. It’s important to weigh the different policies and choose one that covers all the appliances, systems, and add-ons you need.
Another possible pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your claims being rejected, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in New Scotland can cost anywhere from $30 to $60 a month. Higher-priced plans usually have a lower service fee, higher coverage limits, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some providers 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 plan covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects the entire home in case of a situation such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim should you need a new dryer or oven, unless the damage is due to a natural disaster, which is somewhat common in New Scotland.
A home warranty plan can help real estate agents, investors, homeowners, home sellers, and homebuyers. It can offer peace of mind and savings to anyone involved with homeownership.
A home warranty policy can cover your systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Home warranty plans usually provide coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
Typically, the homeowner pays for the home warranty. In some cases, however, the one selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in New Scotland is $321,028, a home warranty can be an added asset when buying a home.
