Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Bowling Green can be satisfying for many, but it also comes with its fair share of challenges. Updating your home’s systems and appliances can be an unforeseen financial burden for many homeowners. A home warranty is a way to protect your budget from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Finding the best home warranty on the market can be time-consuming, since there are lots 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 Bowling Green 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 Bowling Green residents. Liberty has been in business for about 6 years, making it a well-respected company in the industry. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 plans for homeowners to choose from.
The plans that Liberty offers to homeowners are 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 get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our 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 Bowling Green residents. Choice has been in business for about 15 years, making it a well-respected company in the industry. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for homeowners to choose from.
The plans that Choice offers to homeowners are 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 get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our 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 Bowling Green residents. Select has been in business for about 11 years, making it a well-respected company in the industry. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 plans for homeowners to choose from.
The plans that Select offers to homeowners are 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 get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our 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 Bowling Green residents. AHS has been in business for about 26 years, making it a well-respected company in the industry. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 plans for homeowners to choose from.
The plans that AHS offers to homeowners are 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 get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our 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 Bowling Green residents. First American has been in business for about 39 years, making it a well-respected company in the industry. First American offers very affordable and comprehensive appliance coverage. Plus, 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 has 2 plans for homeowners to choose from.
The plans that First American offers to homeowners are 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 get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read more by visiting our 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 Bowling Green residents. Cinch has been in business for about 44 years, making it a well-respected company in the industry. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 plans for homeowners to choose from.
The plans that Cinch offers to homeowners are 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 get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our 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 Bowling Green residents. HSC has been in business for about 15 years, making it a well-respected company in the industry. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 plans for homeowners to choose from.
The plans that HSC offers to homeowners are 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 get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our 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 | $5,630 |
| Heating | $3,753 |
| Electrical | $563 |
| Toilets | $469 |
| Washer/Dryer | $751 |
| Plumbing | $563 |
| Oven | $1,501 |
| Fridge | $563 |
A home warranty is a protection policy that assists Bowling Green homeowners in reducing the expenses of appliance and system repairs. The plans offer coverage to swap out or repair appliances and systems that malfunction due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid high-priced emergency repairs. The coverage is particularly helpful for those living in older houses or houses with fixtures near the end of their life span. However, people with newer homes and modern appliances might not require a home warranty.
Home warranties help protect both your home systems and appliances. Common covered appliances include dishwashers, refrigerators, washers, dryers, garbage disposals, microwaves, and more. Covered systems include electrical, heating, plumbing, and air conditioning. Many home warranties also offer add-on coverage options for central vacuums, septic systems, locksmiths, and even roof leaks. Bowling Green homeowners should know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like natural disasters, cosmetic issues, pre-existing conditions, or improper use of a system or appliance. It's important to keep up with preventative maintenance to ensure that your next repair or replacement is covered by your policy.
Before agreeing to a home warranty contract, you should understand key terms like:
When selecting a home warranty provider, there are several key factors to consider:
Home warranties differ greatly in the items covered. Basic plans typically cover AC, electrical, plumbing, heating, and appliances, while more comprehensive plans may also cover well pumps, pools, roof leaks, and spas. Look for a provider that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and 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 more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's reputation gives insight into things such as repair timeliness, contractor quality, approval rates, and customer service. Use review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Positive ratings and feedback indicate a provider known for great service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Contact potential businesses to learn the number of repair specialists they have in Bowling Green and get an idea of how quickly your repairs could be handled in an emergency. Wider networks increase the likelihood of getting qualified contractors to promptly service your home.
Certain home warranty companies offer perks such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These can provide extra value beyond repair coverage. Added perks can enhance your home and help maximize your home warranty.
Since temperatures in Bowling Green can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Getting a home warranty can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of needing to vet technicians on your own, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Another benefit of having a home warranty is if you want to sell your home, you can most likely transfer your home warranty to the new owners. This can make your house more attractive to potential homebuyers and help your home sell faster.
Home warranties also have some downsides. Though it can save you time when the home warranty sends out a repair person who carries out the repair for you, some may not like this, and they would prefer to choose a contractor themselves. If that’s important to you, some home warranty companies allow you to select a contractor.
Another thing to bear in mind 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 this if you need more information or if this is a problem for you.
A home warranty policy costs, on average, around $300 to $600 a year in Bowling Green. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by choosing a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty protects against normal wear and tear to home systems and appliances. A homeowners insurance plan protects the entire home in case of a situation such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim if you need a new dryer or oven, unless the damage is due to a natural disaster, which isn't that common in Bowling Green.
A home warranty plan can help homebuyers, real estate agents, home sellers, homeowners, and investors. It can offer peace of mind to anyone involved with homeownership.
The different kinds of home warranties in Bowling Green include plans that cover either appliances or systems as well as combination plans. A combination plan will cover many of your systems and appliances, such as your refrigerator, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the specific items listed in the plan.
Home warranty plans usually provide coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Usually, the homeowner is the one who is responsible for paying 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 when using the policy. In Bowling Green, where the median value of a home is $241,996, having the seller pay for the home warranty can save you some money on your new home.
