Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated June 2024
As much as you may love owning a home in Coshocton, there's always that fear about whether your systems and appliances are going to need to be replaced in the next few years. A home warranty can offer you the peace of mind you need and safeguard your bank account from large expenses by covering your home’s major systems and appliances.
The home warranty market is saturated with many providers — all with different offerings — so our team at Today's Homeowner has done the research to help you choose the best home warranty companies in Coshocton.
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 Coshocton, Liberty Home Guard offers the most trustworthy home warranty. With a home warranty from Liberty, you can enjoy 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 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
Liberty Home Guard has 3 plans that provide a mix of system and appliance coverage. 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.
For more information, read our comprehensive review of Liberty Home Guard. To receive 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 Coshocton, Choice Home Warranty offers the best overall home warranty. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
Choice Home Warranty has 2 plans that provide a mix of system and appliance coverage. 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.
For more information, read our comprehensive review of Choice Home Warranty. To receive 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 Coshocton, Select Home Warranty offers the most cost-effective home warranty. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options.
Select Home Warranty has 3 plans that provide a mix of system and appliance coverage. 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.
For more information, read our comprehensive review of Select Home Warranty. To receive 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 Coshocton, American Home Shield offers the most customizable home warranty. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
American Home Shield has 3 plans that provide a mix of system and appliance coverage. 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.
For more information, read our comprehensive review of American Home Shield. To receive 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 Coshocton, First American Home Warranty offers the best home warranty for appliance coverage. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, 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 2 plans that First American offers include differing levels of system and appliance coverage, as well as add-on options.
First American Home Warranty has 2 plans that provide a mix of system and appliance coverage. 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.
For more information, read our comprehensive review of First American Home Warranty. To receive 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 Coshocton, Cinch Home Services offers the home warranty with the best workmanship guarantee. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
Cinch Home Services has 3 plans that provide a mix of system and appliance coverage. 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.
For more information, read our comprehensive review of Cinch Home Services. To receive 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 Coshocton, The Home Service Club offers the best home warranty with the quickest service. 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 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
The Home Service Club has 2 plans that provide a mix of system and appliance coverage. 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.
For more information, read our comprehensive review of The Home Service Club. To receive 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 | $5,521 |
| Heating | $3,681 |
| Electrical | $552 |
| Toilets | $460 |
| Washer/Dryer | $736 |
| Plumbing | $552 |
| Oven | $1,472 |
| Fridge | $552 |
A home warranty is a protection policy that assists Coshocton homeowners in lowering the expenses of appliance and system repairs. The plans provide coverage to swap out or repair appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then finds a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent expensive emergency repairs. Home warranties are particularly useful for owners of older homes or homes with aging systems. New homes with modern appliances may not require a home warranty.
Home warranties cover many home systems and appliances. Common covered appliances include garbage disposals, microwaves, washers, refrigerators, dishwashers, dryers, and more. Covered systems include heating, air conditioning, plumbing, and electrical. Various home warranty plans offer extra coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Coshocton should understand that most home warranty plans have a waiting period of 30 days before repair claims will be approved. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
There are multiple home warranty terms to know before signing an agreement, including:
There are several important factors to consider when choosing a home warranty provider:
Home warranty policies vary widely in what they include. Most plans provide protection for heating, electrical, plumbing, AC, and appliances. More inclusive options also include coverage for other items such as roof leaks, spas, pools, and well pumps. Look for a provider that offers comprehensive coverage choices, 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 lower service fees to maximize savings. Some companies also offer disappearing deductibles after periods where a customer files no claims.
A home warranty company's reputation can offer insight into things such as speed of repairs, contractor quality, approval rates for claims, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Positive ratings and reviews indicate that a provider is known for quality service.
Home warranty companies keep networks of technicians to handle covered repairs. Wider networks increase the likelihood of getting qualified technicians to swiftly service your home. Contact potential providers to find out how many contractors they have in Coshocton to get a sense of how quickly your repairs could be handled in an emergency.
Home warranty providers often include perks such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These extras add value beyond repair coverage. Added perks can maximize the usefulness of the home warranty.
Home warranties are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Coshocton reaching an average high of 59℃F, you may find that some appliances, like your A.C., get a lot of use. A home warranty can considerably lower out-of-pocket expenses should your HVAC system break down.
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 companies do the hard work for you and send a trusted professional to your door whenever you need them. A home warranty can also yield value in other ways. For instance, some plans can be transferred to another owner during a home sale.
One downside of getting a home warranty is that there are usually exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it’s important to read over the contracts you’re considering carefully to get a sense of what is included and what isn’t.
Another thing to keep in mind is that some companies don’t cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty provider for clarification about it if you need more information or if this is an issue for you.
A home warranty policy costs, on average, about $300 to $600 a year in Coshocton. Our high-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 choosing a higher service fee. In addition, it's often less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. Homeowners insurance protects the entire home in case of a situation such as a fire or natural disaster. With a homeowners insurance plan, you won't be able to file a claim should you need a new washing machine or stove, unless the damage is a result of a natural disaster, which isn't that common in Coshocton.
A home warranty policy can help home sellers, homebuyers, real estate agents, investors, and homeowners. It can offer peace of mind to anyone involved with homeownership.
A home warranty will cover your home’s systems, appliances, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Home warranty plans usually provide coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month options as well.
Generally, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees. In Coshocton, where the median home value is $138,197, having the seller pay for the home warranty can save you some money on your new home.
