Written By David Cusick
Last Updated April 2024
Although homeownership in Amelia has a lot of benefits — such as being surrounded by nature — there are also not so glamorous sides. One major headache many homeowners have to deal with eventually is updating or repairing their home systems and appliances. A home warranty in Amelia can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
The home warranty market is filled with many providers — all with different offerings — so the Today's Homeowner team has compiled this guide to help you choose the best home warranty companies in Amelia.
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 Amelia, Liberty Home Guard is the most trustworthy home warranty. Liberty is a home warranty provider with 6 years of experience in the industry, and it has proved to be one of the best providers in the business. When you purchase a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are comprehensive and have a mix of both system and appliance coverage.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
To read more, visit our comprehensive review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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 Amelia, Choice Home Warranty is the best overall home warranty. Choice is a home warranty provider with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. When you purchase a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are comprehensive and have a mix of both system and appliance coverage.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
To read more, visit our comprehensive review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 Amelia, Select Home Warranty is the most cost-effective home warranty. Select is a home warranty provider with 11 years of experience in the industry, and it has proved to be one of the best providers in the business. When you purchase 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 3 plans from Select are comprehensive and have a mix of both system and appliance coverage.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
To read more, visit our comprehensive review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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 Amelia, 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 proved to be one of the best providers in the business. When you purchase a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are comprehensive and have a mix of both system and appliance coverage.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To read more, visit our comprehensive review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
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
In Amelia, First American Home Warranty is the best home warranty for appliance coverage. First American is a home warranty provider with 39 years of experience in the industry, and it has proved to be one of the best providers in the business. When you purchase a policy 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 2 plans from First American are comprehensive and have a mix of both system and appliance coverage.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are close to the $1,500 mark for most major systems and appliances, and service fees are a reasonable $85.
To read more, visit our comprehensive review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
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 Amelia, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch is a home warranty provider with 44 years of experience in the industry, and it has proved to be one of the best providers in the business. When you purchase a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are comprehensive and have a mix of both system and appliance coverage.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To read more, visit our comprehensive review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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 Amelia, The Home Service Club is the best home warranty with the quickest service. HSC is a home warranty provider with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. When you purchase a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are comprehensive and have a mix of both system and appliance coverage.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
To read more, visit our comprehensive review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $5,720 |
Heating | $3,813 |
Electrical | $572 |
Toilets | $477 |
Washer/Dryer | $763 |
Plumbing | $572 |
Oven | $1,525 |
Fridge | $572 |
A home warranty is a protection policy that helps Amelia homeowners reduce the high costs of household repairs. These plans provide financial coverage to repair 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 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 exceed the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent expensive emergency repairs. Home warranties are particularly useful for older construction homes with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include garbage disposals, refrigerators, dishwashers, washers, microwaves, dryers, and more. Included systems are typically air conditioning, heating, electrical, and plumbing. Many home warranty providers offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Most home warranty plans require Amelia homeowners to refrain from making claims for 30 days before the plan will cover repairs. Moreover, policies usually only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some key home warranty terms to know before signing a contract:
There are several important considerations when selecting a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans include protection for plumbing, AC, heating, electrical, and appliances. More robust coverage options also include protection for other items such as roof leaks, well pumps, spas, and pools. Look for companies with an assortment of coverage options, such as upgraded plans. You'll want to tailor your 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 companies with lower service 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 company's reputation gives insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Complimentary ratings and reviews indicate a company known for stellar service.
Home warranty providers have networks of professionals that they use to tackle covered repairs. More extensive networks raise the likelihood of getting qualified contractors to your home promptly. Contact possible providers to ask how many contractors they have in Amelia to understand how long repairs might take in an urgent situation.
Some home warranty companies may include perks such as smart home device coverage, energy efficiency upgrades, and reduced maintenance fees. These can provide extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your warranty policy.
Temperatures in Amelia can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a good bit of use. As a homeowner in Amelia, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Not only does a home warranty provide some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a contractor and schedule a repair. A home warranty takes care of the research by sending trusted professionals to your door when you need them most. Another added benefit of having a home warranty policy is that it can raise your home’s real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
As for the disadvantages of home warranties, system and appliance coverage varies by provider, so it’s important to review what each policy covers and doesn’t include in the contract.
Another potential pain point of home warranties is that they don’t cover systems or appliances that haven’t been properly maintained. This can lead to your repair requests 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 Amelia can cost anywhere from $30 to $60 a month. The higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some providers will also decrease your up-front costs when you agree to 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 helps protect against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your home in case of a situation such as a fire or natural disaster. With a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or oven, unless the damage is a result of a natural disaster, which isn't that common in Amelia.
A home warranty plan can help investors, home sellers, real estate agents, homeowners, and homebuyers. It can provide peace of mind to anyone involved in homeownership.
The different home warranties in Amelia include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your home systems and appliances, including your refrigerator, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the items listed in the policy.
Home warranty plans typically offer coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
Usually the person who owns the home is responsible for paying for the home warranty. In some cases, though, the home seller may buy a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Amelia is $273,653, a home warranty can be an added asset when buying a home.