Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
There are a lot of benefits of owning a home, but as your Howland home ages, you may find yourself needing to update or repair your systems and appliances. A home warranty can help protect homeowners by covering major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be a challenge because of the sheer number of options out there. If you're frustrated with trying to compare them all, keep reading for our guide on the top home warranty providers in Howland.
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 Howland residents. Liberty has more than 6 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. Liberty has 3 plans for you to decide between. When you buy a plan 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically around $3,000 at the maximum.
Read more by visiting our Liberty Home Guard Review. To receive a free quote from Liberty Home Guard, you can 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
Choice Home Warranty offers the best overall home warranty for Howland residents. Choice has more than 15 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. Choice has 2 plans for you to decide between. When you buy a plan 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000 at the maximum.
Read more by visiting our Choice Home Warranty Review. To receive a free quote from Choice Home Warranty, you can 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
Select Home Warranty offers the most cost-effective home warranty for Howland residents. Select has more than 11 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. Select has 3 plans for you to decide between. When you buy a plan 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000 at the maximum.
Read more by visiting our Select Home Warranty Review. To receive a free quote from Select Home Warranty, you can 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
American Home Shield offers the most customizable home warranty for Howland residents. AHS has more than 26 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. AHS has 3 plans for you to decide between. When you buy a plan 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500 at the maximum.
Read more by visiting our American Home Shield Review. To receive a free quote from American Home Shield, you can 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
First American Home Warranty offers the best home warranty for appliance coverage for Howland residents. First American has more than 39 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. First American has 2 plans for you to decide between. When you buy a plan 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also typically around $1,500 at the maximum.
Read more by visiting our First American Home Warranty Review. To receive a free quote from First American Home Warranty, you can 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Howland residents. Cinch has more than 44 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. Cinch has 3 plans for you to decide between. When you buy a plan 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically around $1,000-$2,000 at the maximum.
Read more by visiting our Cinch Home Services Review. To receive a free quote from Cinch Home Services, you can 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
The Home Service Club offers the best home warranty with the quickest service for Howland residents. HSC has more than 15 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. HSC has 2 plans for you to decide between. When you buy a plan 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000 at the maximum.
Read more by visiting our The Home Service Club Review. To receive a free quote from The Home Service Club, you can 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 | $5,582 |
| Heating | $3,722 |
| Electrical | $558 |
| Toilets | $465 |
| Washer/Dryer | $744 |
| Plumbing | $558 |
| Oven | $1,489 |
| Fridge | $558 |
A home warranty is a protection policy that assists Howland homeowners in lowering the costs 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 breaks down, you submit a claim and pay a service fee. The home warranty company then finds 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 especially helpful for those living in older houses or houses with systems 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 your home systems and appliances. Common appliances covered under a home warranty include washers, dryers, garbage disposals, microwaves, refrigerators, dishwashers, and others. Covered systems include plumbing, heating, electrical, and air conditioning. Many home warranties offer additional add-on coverage options for septic systems, locksmiths, central vacuums, and even roof leaks. Most home warranty plans require Howland homeowners to refrain from making claims for 30 days before the plan will cover repairs. Additionally, policies normally only cover repairs and replacements due to normal wear and tear. Home warranties don't cover natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Before agreeing to a home warranty contract, you should understand key terms like:
There are several key factors to consider when choosing a home warranty provider:
Home warranty policies can have major differences in covered items. Most plans cover electrical, heating, AC, plumbing, and appliances. More comprehensive options also include coverage for other items such as well pumps, roof leaks, pools, and spas. Focus on providers with broad coverage options including upgraded plans. Flexibility like this will help you customize protection for your needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which gets paid per claim you submit. These per-claim charges can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some providers also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty company's reputation provides insights into factors such as contractor expertise, claim approval rates, repair speed, and customer satisfaction. Look at review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about companies. Positive reviews and ratings suggest a company known for quality service.
Home warranty providers have networks of professionals that they use to tackle covered repairs. Larger networks raise the likelihood of getting skilled contractors to your home promptly. Reach out to possible providers to learn how many technicians they have in Howland. This helps you understand how long repairs may take in an urgent situation.
Some home warranty providers may include perks such as reduced maintenance fees, energy efficiency upgrades, 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 home warranty.
Temperatures in Howland can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a lot of use. As a homeowner in Howland, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
As well as saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the hassle of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair issues you may come across. A home warranty can also offer value in other ways. For example, some policies can be transferred between owners when you sell your home.
There are also some downsides to getting a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered by a manufacturer's warranty.
Another potential pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your repair requests being denied, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, around $300 to $600 a year in Howland. 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. Additionally, it's often 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 related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different plan that protects an entire home from natural disasters, which can sometimes be a concern in Howland. It doesn't cover a typical appliance or system breakage.
A home warranty policy can help homebuyers, home sellers, investors, homeowners, and real estate agents. It can offer peace of mind to anyone involved with homeownership.
The different kinds of home warranties in Howland include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your systems and appliances, such as your dishwasher, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the items listed in the contract.
Home warranty plans generally last a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Typically, the one who owns the home is responsible for paying for the home warranty. In some cases, though, the person who is selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Howland is $137,756, a home warranty can be an added asset when buying a home.
