Written By David Cusick
Last Updated April 2024
As much as you may enjoy homeownership in Brook Park, there's always that concern about whether your systems and appliances are going to need repairs over the next few years. 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 allow you to live in your home with more peace of mind.
Finding the best protection for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Brook Park. Read on for our top provider recommendations.
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 in Brook Park. The 3 plans from Liberty are comprehensive and have a mix of both system and appliance 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.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to about $3,000 per covered system or appliance.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our Liberty Home Guard 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 offers the best overall home warranty in Brook Park. The 2 plans from Choice are comprehensive and have a mix of both system and appliance 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.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 per covered system or appliance.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our Choice Home Warranty 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 offers the most cost-effective home warranty in Brook Park. The 3 plans from Select are comprehensive and have a mix of both system and appliance 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.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 per covered system or appliance.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our Select Home Warranty 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 offers the most customizable home warranty in Brook Park. The 3 plans from AHS are comprehensive and have a mix of both system and appliance 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 per covered system or appliance.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our American Home Shield 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 offers the best home warranty for appliance coverage in Brook Park. The 2 plans from First American are comprehensive and have a mix of both system and appliance 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.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage caps come out to about $1,500 per covered system or appliance.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read our First American Home Warranty 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 offers the home warranty with the best workmanship guarantee in Brook Park. The 3 plans from Cinch are comprehensive and have a mix of both system and appliance 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.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 per covered system or appliance.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read our Cinch Home Services 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 offers the best home warranty with the quickest service in Brook Park. The 2 plans from HSC are comprehensive and have a mix of both system and appliance 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.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 per covered system or appliance.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our The Home Service Club 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 | $5,856 |
Heating | $3,904 |
Electrical | $586 |
Toilets | $488 |
Washer/Dryer | $781 |
Plumbing | $586 |
Oven | $1,562 |
Fridge | $586 |
A home warranty is a protection policy that helps Brook Park homeowners lower the high costs of household repairs. These plans provide financial coverage to fix or swap out appliances and systems that stop working from normal wear and tear.
Homeowners file 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 cost of the repair or replacement exceeds the item's coverage limit. A home warranty provides security for homeowners by helping them prevent expensive emergency fixes. They're particularly valuable for those who own older homes or ones with outdated systems. Newer builds with functional fixtures probably don’t need a home warranty.
Home warranties cover many home systems and appliances. Covered appliances normally include garbage disposals, dishwashers, washers, microwaves, refrigerators, dryers, and others. Covered systems include heating, electrical, plumbing, and air conditioning. Many home warranty providers also offer add-on coverage for roof leaks, central vacuums, locksmiths, and septic systems. Brook Park homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. Additionally, most policies only cover the cost of repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or improperly using a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should know key terms like:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty policies differ significantly in terms of coverage. Most plans cover plumbing, electrical, AC, heating, and appliances. More robust plans also include coverage for other items such as roof leaks, well pumps, spas, and pools. Look for a provider that offers an extensive selection of coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a company with more affordable fees to maximize savings on every claim. Some providers also remove deductibles when customers have a claim-free period.
A home warranty company's track record gives insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Favorable ratings and reviews indicate a provider known for stellar service.
Home warranty providers have networks of local technicians to handle repairs in your area. Reach out to potential providers to ask how many repair technicians they have in Brook Park and get an idea for how fast your repairs could take place in an emergency situation. Wider networks improve the probability of getting qualified contractors to promptly service your home.
Some home warranty companies include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These can provide extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your warranty policy.
Brook Park’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending a lot of money out of pocket.
A home warranty also can also save you time and energy. Instead of spending hours researching and choosing a repair person to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Another added benefit of having home warranty coverage is that it can increase 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 purchased your home warranty through.
One disadvantage of getting a home warranty is that there are usually exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it’s important to read through any contracts you’re considering carefully to understand what is included and what isn’t.
Another stipulation is that home warranties typically only cover damage from normal wear and tear. They most likely won’t cover systems or appliances that have stopped working due to improper maintenance, animal infestations, natural disasters, etc.
A home warranty policy costs, on average, about $300 to $600 a year in Brook Park. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's typically less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover issues with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different plan that protects your entire home from natural disasters, which can be a concern in Brook Park. It doesn't cover a typical appliance or system repairs.
First-time homebuyers, real estate agents, homeowners, landlords, and home sellers are all eligible for home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
The different types of home warranties in Brook Park include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover many of your home systems and appliances, such as your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the specific items listed in the policy.
Home warranty plans usually last a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Usually, 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 has to pay the service fees when using the policy. In Brook Park, where the median value of a home is $185,860, having the seller pay for the home warranty can be a good asset for your new home.