Written By David Cusick
Last Updated April 2024
Owning a home can have lots of benefits, but it can also come with some negatives like maintenance. The older your house’s appliances and systems are, the more likely it is that you'll benefit from a home warranty. A home warranty in Bellefontaine can help bring down your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that stop working due to normal wear and tear.
Choosing the best home warranty on the market can be difficult because of the sheer number of options available. If you're overwhelmed by trying to compare them all, keep reading for our guide to the best home warranty companies in Bellefontaine.
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 Bellefontaine, Liberty Home Guard offers the most trustworthy home warranty. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. 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 Bellefontaine homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000.
To read more, visit our thorough review of Liberty Home Guard. To get 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 Bellefontaine, Choice Home Warranty offers the best overall home warranty. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. 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 Bellefontaine homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also generally about $3,000.
To read more, visit our thorough review of Choice Home Warranty. To get 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 Bellefontaine, Select Home Warranty offers the most cost-effective home warranty. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. 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 Bellefontaine homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also generally about $2,000.
To read more, visit our thorough review of Select Home Warranty. To get 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 Bellefontaine, American Home Shield offers the most customizable home warranty. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. 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 Bellefontaine homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally about $2,500.
To read more, visit our thorough review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or call 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 Bellefontaine, First American Home Warranty offers the best home warranty for appliance coverage. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. First American has established itself as a company with very affordable and comprehensive appliance coverage. It 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.
First American Home Warranty offers 2 plans for Bellefontaine homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also generally about $1,500.
To read more, visit our thorough review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or call 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 Bellefontaine, Cinch Home Services offers the home warranty with the best workmanship guarantee. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. 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 Bellefontaine homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally about $1,000-$2,000.
To read more, visit our thorough review of Cinch Home Services. To get 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 Bellefontaine, The Home Service Club offers the best home warranty with the quickest service. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. 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 Bellefontaine homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally about $2,000.
To read more, visit our thorough review of The Home Service Club. To get 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 | $5,707 |
Heating | $3,804 |
Electrical | $571 |
Toilets | $476 |
Washer/Dryer | $761 |
Plumbing | $571 |
Oven | $1,522 |
Fridge | $571 |
A home warranty is a protection policy that helps Bellefontaine homeowners reduce the expenses of appliance and system repairs. The plans offer financial coverage to repair or replace appliances and systems that break down due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent expensive emergency repairs. Home warranties are particularly useful for older houses or those with aging systems. New homes with up-to-date appliances may not need a home warranty.
Home warranties protect your home's systems and appliances. Common covered appliances include dishwashers, garbage disposals, refrigerators, dryers, microwaves, washers, and more. Covered systems include electrical, plumbing, heating, and air conditioning. Various home warranty plans offer add-on coverage for central vacuums, roof leaks, septic systems, and even locksmiths. Bellefontaine 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, policies typically only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. It's important to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by your policy.
There are several home warranty terms to understand before signing an agreement, including:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage differs significantly when it comes to what's covered. Most plans include protection for plumbing, AC, electrical, heating, and appliances. More comprehensive plans also include protection for other items such as well pumps, roof leaks, 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.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may seek out companies advertising lower service fees to optimize savings on each repair claim. Certain providers may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation can offer insight into things such as contractor quality, speed of repairs, approval rates for claims, and customer satisfaction. Use third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Good ratings and reviews indicate that a provider is known for quality service.
Home warranty companies have networks of professionals that they use to tackle covered repairs. Bigger networks raise the probability of getting skilled contractors to your home swiftly. Contact possible providers to ask how many repair professionals they have in Bellefontaine. This helps you understand how long repairs could take in an urgent situation.
Some home warranty providers may include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These extras can provide extra value beyond just repair coverage. Added bonuses allow you to enhance your home and get the most from your warranty policy.
Since temperatures in Bellefontaine can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
Plus, having a home warranty can save you time by removing the need to research service technicians — most providers will send a trusted professional right to your door to complete the necessary repair or replacement. Another benefit of having a home warranty is when you’re selling your home, you can most likely transfer your home warranty plan to the new owners. This can make your house more attractive to potential homebuyers and help your home sell faster.
One main drawback of a home warranty is not every home system and appliance may be covered. It’s important to weigh the different plans and choose one that covers all the appliances, systems, and add-ons you need.
Another 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 plan costs, on average, around $300 to $600 a year in Bellefontaine. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's typically cheaper 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 to be repaired or replaced due to normal wear and tear. A home insurance policy is a different insurance that protects an entire home from natural disasters, which might not be too much of a concern in Bellefontaine. It doesn't cover a normal appliance or system breakage.
A home warranty plan can help investors, homeowners, homebuyers, home sellers, and real estate agents. It can provide peace of mind to anyone involved in homeownership.
A home warranty plan will cover your appliances, systems, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Generally, a home warranty plan lasts for a year and can be renewed annually. Some providers may offer month-to-month plans.
Usually, the homeowner is the one who 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 will pay the service fees when using the policy. In Bellefontaine, where the median value of a home is $172,527, having the seller pay for the home warranty can save you some money on your new home.