Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
There are lots of advantages of owning a home, but as your Garner home gets older, you may find yourself needing to update or repair your systems and appliances. A home warranty is a way to protect your savings from unexpected home repairs and 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.
Finding the best home warranty on the market can be overwhelming, as 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 Garner 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 for Garner residents. Liberty has 3 simple plans, making the selection process easy. With a home warranty from Liberty, you can benefit from 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 has 3 plans that offer a mix of appliance and system coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Garner area.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit 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
Choice Home Warranty offers the best overall home warranty for Garner residents. Choice has 2 simple plans, making the selection process easy. With a home warranty from Choice, you can benefit from 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 has 2 plans that offer a mix of appliance and system coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Garner area.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit 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
Select Home Warranty offers the most cost-effective home warranty for Garner residents. Select has 3 simple plans, making the selection process easy. With a home warranty from Select, you can benefit from 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 has 3 plans that offer a mix of appliance and system coverage. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the Garner area.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit 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
American Home Shield offers the most customizable home warranty for Garner residents. AHS has 3 simple plans, making the selection process easy. With a home warranty from AHS, you can benefit from 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 has 3 plans that offer a mix of appliance and system coverage. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Garner area.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our detailed review of American Home Shield.
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
First American Home Warranty offers the best home warranty for appliance coverage for Garner residents. First American has 2 simple plans, making the selection process easy. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, it 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 Home Warranty has 2 plans that offer a mix of appliance and system coverage. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is less than other providers in the Garner area.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit our detailed review of First American Home Warranty.
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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Garner residents. Cinch has 3 simple plans, making the selection process easy. With a home warranty from Cinch, you can benefit from 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 has 3 plans that offer a mix of appliance and system coverage. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Garner area.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit 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
The Home Service Club offers the best home warranty with the quickest service for Garner residents. HSC has 2 simple plans, making the selection process easy. With a home warranty from HSC, you can benefit from 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 has 2 plans that offer a mix of appliance and system coverage. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Garner area.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit 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 | $6,154 |
| Heating | $4,103 |
| Electrical | $615 |
| Toilets | $513 |
| Washer/Dryer | $821 |
| Plumbing | $615 |
| Oven | $1,641 |
| Fridge | $615 |
A home warranty is a protection plan that assists Garner homeowners lower the high costs of household repairs. These plans provide financial protection to fix or replace appliances and systems that stop working from normal wear and tear. Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix 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 security for homeowners by helping them prevent expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with outdated systems. Newer homes with functional fixtures probably don’t require a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include dryers, refrigerators, garbage disposals, microwaves, dishwashers, washers, and more. Covered systems are usually plumbing, heating, electrical, and air conditioning. Many home warranty companies offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Garner should understand that most home warranty plans have a waiting period of 30 days before repair claims will be approved. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
There are a number of home warranty terms to understand before signing an agreement, including:
When choosing a home warranty provider, there are several key factors to consider:
Home warranties have significant variation in what they include. Basic policies typically cover electrical, heating, plumbing, AC, and appliances, while more comprehensive options may also cover pools, well pumps, spas, and roof leaks. Focus on providers with wide-ranging coverage selections including upgraded plans. Flexibility like this will help you 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 providers with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty provider's reputation gives insight into things such as approval rates, contractor quality, repair timeliness, and customer satisfaction. Check review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Positive ratings and feedback indicate a provider known for great service.
Home warranty providers maintain networks of professionals to handle covered repairs. Larger networks increase the probability of getting qualified technicians to quickly service your home. Contact potential providers to find out how many contractors they have in Garner to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty plans provide bonuses such as maintenance discounts, energy efficiency upgrades, and smart home device protection. These add value beyond just repair coverage. Added bonuses can maximize the usefulness of the home warranty.
Since temperatures in Garner can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Purchasing a home warranty plan can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
On top of saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the hassle of trying to find a qualified technician to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair issues you may experience. Another added benefit of having a home warranty policy is that it can increase your home’s property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you have your home warranty with.
As for the disadvantages of home warranties, home system and appliance coverage varies by company, so it’s important to read what each plan covers and doesn’t include in the contract.
Another consideration is that home warranties typically only cover repairs needed due to normal wear and tear. They most likely won’t cover systems or appliances that need repairs or replacements due to improper maintenance, animal infestations, natural disasters, etc.
A home warranty policy costs, on average, around $300 to $600 a year in Garner. Our high-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 opting for a higher service fee. In addition, it's often less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty policies 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 Garner. It doesn't cover a typical appliance or system repairs.
A home warranty policy can help homebuyers, homeowners, real estate agents, investors, and home sellers. It can provide peace of mind to anyone involved with homeownership.
The different home warranties in Garner include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, including your washing machine, drier, and HVAC. An appliance or system plan will cover only the items listed in the plan.
Home warranty plans typically provide coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
Generally, the homeowner is the one who pays the premium and service fees. However, when buying 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 Garner, where the median home value is $377,768, having the seller pay for the home warranty can save you some money on your new home.
