Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
If you're looking into purchasing a home warranty, our guide on the top providers in Lexington can help. Although homeownership in Lexington has a lot of perks — such as being surrounded by nature — there are also downsides, similar to owning a house anywhere else. One major headache many homeowners have to deal with at some point is replacing or repairing their appliances and home systems.
A home warranty is a way to protect your savings from unexpected large expenses. With a home warranty in place, your repair costs can be remarkably lower and give you some peace of mind. Even though a home warranty can help with your homeowner concerns, one issue is narrowing down the right choice for your Lexington home. That's why we've done the research and have put together a list of the top home warranty companies in Lexington.
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 Lexington, Choice Home Warranty is the best overall home warranty. Choice has around 15 years of experience in the home warranty market and in that time has built a an network of service professionals nationwide. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options. If you're looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, 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 combination of system and appliance coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Lexington area.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information on this provider, read our thorough 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 is the most cost-effective home warranty for Lexington residents. Select has more than 11 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The 3 plans from Select are easy to understand and have a mix of both system and appliance coverage. When you buy a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read more by visiting our full 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
In Lexington, American Home Shield is the most customizable home warranty. AHS is a home warranty provider with 26 years of experience in the industry, and it has become one of the best providers in the business. 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. The home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 for each covered appliance or system.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our thorough review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Lexington residents. 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 2 policies that HSC offers include options for appliance and system coverage.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
To read more, visit our The Home Service Club Review. To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Lexington. Liberty has been on the market for about 6 years, making it a well-regarded company in the industry. 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. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000 at the maximum.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For a more detailed breakdown, read our thorough review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
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 Lexington residents. The 2 plans that First American offers include options for appliance and system coverage. When you purchase a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also 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.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. 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 review of First American Home Warranty 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
In Lexington, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has 3 simple plans, making the selection process 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 Lexington 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 limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Lexington area.
For more information, read our comprehensive review of Cinch Home Services. To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home 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 | $5,675 |
| Heating | $3,783 |
| Electrical | $568 |
| Toilets | $473 |
| Washer/Dryer | $757 |
| Plumbing | $568 |
| Oven | $1,513 |
| Fridge | $568 |
A home warranty is a plan that can help homeowners save money on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Lexington home comfortable and convenient. When these things start to break down, it can be costly and a nuisance. Fortunately, with a home warranty in place, an affordable repair is just a phone call away.
When you have a system or appliance that has a problem, you file a claim with your service provider. You can do so in an online portal or by calling customer support, and then a contractor will come and fix the problem.
The claim is then processed, and a homeowner will pay the service fee to schedule the repair for their home. This repair will generally occur within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees range between $60 and $150.
A home warranty in Lexington provides coverage for the main systems and appliances in a home. Common appliances covered under a home warranty plan include a dryer, microwave, refrigerator, dishwasher, garbage disposal, washer, and more. The systems that are usually covered will be electrical systems, plumbing, air conditioning, and heating.
The add-on coverage options can include septic system, roof leak, spa, pool, and sometimes even things like locksmith or pest control.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and follow preventative maintenance guidelines, the home warranty will not cover it. Also, a home warranty does not cover cosmetic damages, lack of maintenance, misuse, and pre-existing conditions.
Since temperatures in Lexington can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Having a home warranty policy can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
A home warranty can also provide value in other ways. For instance, some policies can be transferred to another owner during a home sale.
One of the main drawbacks of a home warranty is not everything may be covered. It's important to weigh the different plans and opt for 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 repair requests being rejected, so it's important to carefully follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Determining the best provider for your home warranty is a step you can take to help protect your property. When deciding which home warranty provider is the best fit for you, here are some important factors to bear in mind:
The best overall home warranty in Lexington is Choice Home Warranty, but the perfect company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty policy can protect you from expensive repair bills, but only if you purchase a quality plan from a reputable company. When choosing a home warranty company to purchase a plan from, you should take into consideration things like its customer service and availability in your area. In addition, you should consider the kind of coverage the company offers and what appliances and systems are protected. Homes that have new appliances or systems can get by on a plan with less coverage.
Home warranty plans typically last a year. Many companies let you renew your plan annually, which can be useful in Lexington for some protection against something like your air conditioner breaking down when you require it the most.
Home warranties cover the cost of repairs and replacements if it is within the coverage limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay for the rest out of pocket.
Usually, the homeowner is responsible for paying 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 Lexington, where the median value of a home is $135,405, having the seller pay for the home warranty can be a good asset for your new home.
When living in a town like Lexington, you may be wondering if issues like natural disasters are covered under a home warranty policy. Home warranties generally don't cover damage from intentional breakage, lack of proper maintenance, or natural disasters.
