Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Jefferson offers homeowners some great housing options. However, unexpected repair and replacement costs on your home’s systems and appliances can get quite expensive. A home warranty can give you the peace of mind you need and protect your bank account from large expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be overwhelming, as there are dozens of companies to choose from. That’s why our team at Today's Homeowner did the research and made a list of the best home warranty companies in Jefferson 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
In Jefferson, Liberty Home Guard offers the most trustworthy home warranty. Liberty has more than 6 years of experience in the industry and in that time has built a an network of service professionals nationwide. The home warranty provider offers 3 plans to policyholders with 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.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000 at the maximum.
Read our comprehensive review of Liberty Home Guard to learn more. 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
In Jefferson, Choice Home Warranty offers the best overall home warranty. Choice has more than 15 years of experience in the industry and in that time has built a an network of service professionals nationwide. The home warranty provider offers 2 plans to policyholders with 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000 at the maximum.
Read our comprehensive review of Choice Home Warranty to learn more. 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
In Jefferson, Select Home Warranty offers the most cost-effective home warranty. Select has more than 11 years of experience in the industry and in that time has built a an network of service professionals nationwide. The home warranty provider offers 3 plans to policyholders with 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.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000 at the maximum.
Read our comprehensive review of Select Home Warranty to learn more. 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
In Jefferson, American Home Shield offers the most customizable home warranty. AHS has more than 26 years of experience in the industry and in that time has built a an network of service professionals nationwide. The home warranty provider offers 3 plans to policyholders with 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500 at the maximum.
Read our comprehensive review of American Home Shield to learn more. 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
In Jefferson, First American Home Warranty offers the best home warranty for appliance coverage. First American has more than 39 years of experience in the industry and in that time has built a an network of service professionals nationwide. The home warranty provider offers 2 plans to policyholders with 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.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also around $1,500 at the maximum.
Read our comprehensive review of First American Home Warranty to learn more. 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
In Jefferson, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has more than 44 years of experience in the industry and in that time has built a an network of service professionals nationwide. The home warranty provider offers 3 plans to policyholders with 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.
The 3 plans from Cinch Home Services are 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 around $1,000-$2,000 at the maximum.
Read our comprehensive review of Cinch Home Services to learn more. 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
In Jefferson, The Home Service Club offers the best home warranty with the quickest service. HSC has more than 15 years of experience in the industry and in that time has built a an network of service professionals nationwide. The home warranty provider offers 2 plans to policyholders with 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 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000 at the maximum.
Read our comprehensive review of The Home Service Club to learn more. 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 | $5,576 |
| Heating | $3,717 |
| Electrical | $558 |
| Toilets | $465 |
| Washer/Dryer | $743 |
| Plumbing | $558 |
| Oven | $1,487 |
| Fridge | $558 |
A home warranty is a protection plan that assists Jefferson homeowners in reducing the expenses of appliance and system repairs. The plans offer financial coverage to swap out or fix 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 arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty gives security for homeowners by helping them avoid expensive emergency repairs. They're particularly valuable for those who live in older homes or ones with outdated systems. More modern builds with modern fixtures probably don’t require a home warranty.
Home warranties cover your home's systems and appliances. Typical covered appliances include refrigerators, dishwashers, garbage disposals, microwaves, dryers, washers, and more. Protected systems include air conditioning, plumbing, heating, and electrical. Various home warranty plans offer add-on coverage for roof leaks, septic systems, central vacuums, and even locksmiths. Jefferson homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only address repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, 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 signing a home warranty contract, you should know key terms like:
When choosing a home warranty provider, there are several important factors to consider:
Home warranties have significant variation in what they include. Basic plans typically cover AC, heating, plumbing, electrical, and appliances, while more comprehensive plans may also cover pools, roof leaks, spas, and well pumps. Look for providers with a diverse range of coverage options, including upgraded plans. This allows you to tailor protection to 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 providers advertising lower service fees to optimize savings on each repair claim. Certain companies may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty company's reputation can offer insight into things such as approval rates for claims, speed of repairs, contractor quality, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Contact potential providers to learn the number of repair specialists they have in Jefferson and get an idea of how fast your repairs could be handled in an emergency. Bigger networks improve the probability of getting qualified contractors to promptly service your home.
Certain home warranty providers offer extras such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These bonuses provide extra value beyond repair coverage. Extra perks enhance your home and maximize your home warranty.
Home warranties are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Jefferson hitting an average high of 59℃F, you may find that certain appliances, like your air conditioning unit, get a lot of use. A home warranty can significantly decrease out-of-pocket expenses should your HVAC system stop working.
Not only does a home warranty provide some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most. Additionally, having a home warranty can make your house more attractive to potential homebuyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you’ve been benefiting from.
There are also some negatives to getting a home warranty plan, like the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another downside is that home warranties may exclude some repairs, such as those needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the affected systems and appliances probably won’t be covered by the home warranty.
A home warranty plan costs, on average, about $300 to $600 a year in Jefferson. 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. In addition, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty policies cover issues 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 kind of plan that protects the entire home from natural disasters, which might not be too much of a concern in Jefferson. It doesn't cover a typical appliance or system breakage.
A home warranty plan can help investors, real estate agents, homeowners, home sellers, and homebuyers. It can provide peace of mind to anyone involved in homeownership.
The different kinds of home warranties in Jefferson include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your home systems and appliances, including your dishwasher, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the specific items mentioned in the contract.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Typically, the homeowner 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 given to the new homeowner, who has to pay the service fees when using the policy. In Jefferson, where the median value of a home is $200,334, having the seller pay for the home warranty can save you some money on your new home.
