Written By David Cusick
Last Updated February 2024
The cost of maintaining a home in Jacksonville can be expensive, particularly as your home ages and your appliances and systems need to be updated or repaired. A home warranty can offer you the peace of mind you need and protect your savings account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be time-consuming, as there are dozens of companies to choose from. That’s why the Today's Homeowner team did the research and compiled a list of the top home warranty companies in Jacksonville 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 is the most trustworthy home warranty for Jacksonville residents. The 3 plans that Liberty offers include options for appliance and system coverage. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are around the $3,000 mark for most 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. Read our Liberty Home Guard full review to learn more.
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 is the best overall home warranty for Jacksonville residents. The 2 plans that Choice offers include options for appliance and system coverage. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for most 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. Read our Choice Home Warranty full review to learn more.
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 is the most cost-effective home warranty for Jacksonville residents. The 3 plans that Select offers include options for appliance and system coverage. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you’ll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are around the $2,000 mark for most 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. Read our Select Home Warranty full review to learn more.
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 is the most customizable home warranty for Jacksonville residents. The 3 plans that AHS offers include options for appliance and system coverage. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for most 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. Read our American Home Shield full review to learn more.
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 is the best home warranty for appliance coverage for Jacksonville residents. The 2 plans that First American offers include options for appliance and system coverage. If you’re looking for very affordable and comprehensive appliance coverage, you’ll want to have this plan on your side. Plus, 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are around the $1,500 mark for most major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read our First American Home Warranty full review to learn more.
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 is the home warranty with the best workmanship guarantee for Jacksonville residents. The 3 plans that Cinch offers include options for appliance and system coverage. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for most 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. Read our Cinch Home Services full review to learn more.
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 is the best home warranty with the quickest service for Jacksonville residents. The 2 plans that HSC offers include options for appliance and system coverage. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you’ll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for most 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. Read our The Home Service Club full review to learn more.
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 | $5,966 |
Heating | $3,978 |
Electrical | $597 |
Toilets | $497 |
Washer/Dryer | $796 |
Plumbing | $597 |
Oven | $1,591 |
Fridge | $597 |
A home warranty is a protection policy that helps Jacksonville homeowners lower 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 submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement exceeds 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 owners of older houses or houses with systems near the end of their life span. However, people with newer homes and functioning appliances may not need a home warranty.
Home warranties protect many household systems and appliances. Typical covered appliances include washers, refrigerators, garbage disposals, dryers, microwaves, dishwashers, and others. Covered systems include plumbing, air conditioning, electrical, and heating. Many home warranty plans offer add-on coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Jacksonville homeowners should know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like pre-existing conditions, cosmetic issues, natural disasters, or improper use of a system or appliance. You need to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by the policy.
There are several home warranty terms to understand before signing an agreement, including:
There are several important factors to consider when choosing a home warranty provider:
Home warranty coverage varies, although most plans include protection for electrical, plumbing, AC, heating, and appliances. More comprehensive options may also include extra things such as pools, spas, roof leaks, and well pumps. Focus on providers with broad coverage options including upgraded plans. Flexibility like this will help you customize protection for your 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 companies 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 provider's reputation can provide insight into things such as repair timeliness, contractor quality, approval rates, and customer satisfaction. Browse review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Positive ratings and feedback indicate a provider known for great service.
Home warranty companies maintain networks of local professionals to handle repairs in your area. Reach out to potential providers to ask how many repair professionals they have in Jacksonville and get an idea for how quickly your repairs might happen in an emergency situation. More extensive networks increase the probability of getting qualified contractors to quickly service your home.
Home warranty companies may include bonuses such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These extras add value beyond basic repair coverage. Additional perks help maximize the usefulness of the home warranty.
Since temperatures in Jacksonville 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 all of a sudden.
Not only can a home warranty give you some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty handles this process by sending trusted professionals to your door when you need them most. Another added benefit of having home warranty coverage is that it can raise 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 company you have your home warranty with.
One drawback of getting a home warranty is that there are often exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it’s important to read through any contracts you’re considering carefully to get a sense of what is included and what isn’t.
Another thing to take into consideration is that some providers don’t cover pre-existing problems and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about these things if you need more information or if this is a problem for you.
A home warranty in Jacksonville can cost anywhere from $30 to $60 a month. Higher-priced plans tend to have broader coverage, higher coverage limits, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also lower your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty policies cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different insurance that protects an entire home from natural disasters, which can sometimes be a concern in Jacksonville. It doesn't cover a typical appliance or system breakage.
A home warranty policy can help homebuyers, home sellers, investors, homeowners, and real estate agents. It can provide peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in Jacksonville include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers your home systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the items mentioned in the contract.
Home warranty plans generally last a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.
Generally, 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 will pay the service fees when using the policy. In Jacksonville, where the median value of a home is $234,147, having the seller pay for the home warranty can save you some money on your new home.