Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Buying a home is a big step for many people, but maintaining it can get expensive over time, especially if your home in New Albany is on the older side. A home warranty in New Albany can help lower your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that break down due to normal wear and tear.
Finding the best home warranty on the market can be difficult because of the many options available. If you're overwhelmed by trying to compare them all, keep reading for our guide on the top home warranty companies in New Albany.
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 New Albany. Liberty has over 6 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable.
Liberty Home Guard offers 3 plans for New Albany homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the New Albany area.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For a more detailed breakdown, read our Liberty Home Guard Review.
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 New Albany. Choice has over 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. Choice has 2 simple plans, making the selection process and policy coverage easily understandable.
Choice Home Warranty offers 2 plans for New Albany homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the New Albany area.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty Review.
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 New Albany. Select has over 11 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. Select has 3 simple plans, making the selection process and policy coverage easily understandable.
Select Home Warranty offers 3 plans for New Albany homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the New Albany area.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For a more detailed breakdown, read our Select Home Warranty Review.
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 New Albany. AHS has over 26 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. AHS has 3 simple plans, making the selection process and policy coverage easily understandable.
American Home Shield offers 3 plans for New Albany homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the New Albany area.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. For a more detailed breakdown, read our American Home Shield Review.
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 New Albany. First American has over 39 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. First American has 2 simple plans, making the selection process and policy coverage easily understandable.
First American Home Warranty offers 2 plans for New Albany homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the New Albany area.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. For a more detailed breakdown, read our First American Home Warranty Review.
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 New Albany. Cinch has over 44 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable.
Cinch Home Services offers 3 plans for New Albany homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the New Albany area.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read our Cinch Home Services Review.
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 New Albany. HSC has over 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. HSC has 2 simple plans, making the selection process and policy coverage easily understandable.
The Home Service Club offers 2 plans for New Albany homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the New Albany area.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For a more detailed breakdown, read our The Home Service Club Review.
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 | $6,277 |
| Heating | $4,185 |
| Electrical | $628 |
| Toilets | $523 |
| Washer/Dryer | $837 |
| Plumbing | $628 |
| Oven | $1,674 |
| Fridge | $628 |
A home warranty is a protection plan that helps cut costs for New Albany homeowners needing appliance and system repairs. These plans provide financial coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is 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 costly emergency repairs. Home warranties are particularly useful for older construction homes with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties protect many home systems and appliances. Typical covered appliances include dryers, microwaves, garbage disposals, washers, refrigerators, dishwashers, and more. Protected systems include electrical, heating, air conditioning, and plumbing. Various home warranty plans offer add-on coverage for roof leaks, septic systems, central vacuums, and even locksmiths. New Albany 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 cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
There are a number of home warranty terms to learn before signing an agreement, including:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage varies, although most plans provide coverage for heating, AC, plumbing, electrical, and appliances. More extensive plans may also include extra things such as roof leaks, well pumps, pools, and spas. Look for a company that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies with more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles after periods where a customer files no claims.
A home warranty provider's rating gives you insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Favorable reviews and ratings indicate a company known for stellar service.
Home warranty businesses maintain networks of local contractors to handle repairs in your area. Reach out to potential providers to learn how many repair technicians they have in New Albany and get an idea for how quickly your repairs might happen in an emergency situation. Wider networks raise the chances of getting qualified contractors to promptly service your home.
Home warranty providers sometimes offer extras such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These extras add value beyond just repair coverage. Additional perks help maximize the usefulness of the home warranty.
New Albany’s relatively mild winters and hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty will 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, saving you from spending unexpected money out of pocket.
In addition to saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the pain of trying to find a qualified repair person to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair problems you may have. Another added benefit of having home warranty coverage is that it can raise your home’s property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
As for the disadvantages of home warranties, system and appliance coverage varies by provider, so it’s important to understand what each policy covers and doesn’t include in the contract.
Another stipulation is that home warranties typically only cover repairs needed due to normal wear and tear. They commonly won’t cover systems or appliances that have stopped working due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty in New Albany can cost between $30 and $60 a month. Higher-priced plans typically have broader coverage, a lower service fee, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also decrease your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan protects against normal wear and tear to home systems and appliances. A homeowners insurance plan protects your home in case of a situation such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim if you need a new washing machine or oven, unless the damage is due to a natural disaster, which isn't that common in New Albany.
A home warranty plan can help real estate agents, homebuyers, homeowners, investors, and home sellers. It can provide peace of mind to anyone involved with homeownership.
The different kinds of home warranties in New Albany include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your home systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the items mentioned in the policy.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month options.
In general, the homeowner is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In New Albany, where the median home value is $563,993, having the seller pay for the home warranty can save you some money on your new home.
