Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Written By David Cusick
Last Updated June 2024
Homeownership in Canby has many benefits, but it also comes with its challenges. Your home’s appliances and systems will eventually need repairs, and this could mean a burdensome expense. A home warranty can offer you the peace of mind you need and shield your bank account from large expenses by covering your home’s major systems and appliances.
The home warranty market is filled with a lot of providers — all with different plans — so the Today's Homeowner team has done the research to help you find the best home warranty companies in Canby.
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 Canby residents. Liberty has been in the home warranty industry for over 6 years. 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 home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
Liberty Home Guard has 3 plans that offer a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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 for Canby residents. Choice has been in the home warranty industry for over 15 years. 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 home warranty company offers 2 plans to policyholders that have various system and appliance coverage options.
Choice Home Warranty has 2 plans that offer a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 for Canby residents. Select has been in the home warranty industry for over 11 years. 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 home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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 for Canby residents. AHS has been in the home warranty industry for over 26 years. 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 home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 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 for Canby residents. First American has been in the home warranty industry for over 39 years. 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 home warranty company offers 2 plans to policyholders that have various system and appliance coverage options.
First American Home Warranty has 2 plans that offer a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also around $1,500.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 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 for Canby residents. Cinch has been in the home warranty industry for over 44 years. 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 home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
Cinch Home Services has 3 plans that offer a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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 for Canby residents. HSC has been in the home warranty industry for over 15 years. 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 home warranty company offers 2 plans to policyholders that have various system and appliance coverage options.
The Home Service Club has 2 plans that offer a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,210 |
| Heating | $4,140 |
| Electrical | $621 |
| Toilets | $517 |
| Washer/Dryer | $828 |
| Plumbing | $621 |
| Oven | $1,656 |
| Fridge | $621 |
A home warranty is a protection plan that helps cut costs for Canby homeowners needing appliance and system repairs. These plans provide coverage to repair or replace appliances and systems that break due to normal wear and tear. Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty plan gives homeowners a sense of security because it can help avoid costly emergency repairs. They can be especially helpful for buyers of older homes or homes with systems near the end of their life span. However, newer homes with appliances and fixtures in good condition may not need a home warranty.
Home warranties cover your home's systems and appliances. Typical covered appliances are dryers, microwaves, washers, garbage disposals, dishwashers, refrigerators, and more. Covered systems include air conditioning, heating, electrical, and plumbing. Various home warranty plans offer additional coverage for roof leaks, central vacuums, septic systems, and even locksmiths. It's important for Canby homeowners to know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, natural disasters, cosmetic issues, or damage caused by improperly using a system or appliance. It's important to keep up with preventative maintenance to ensure that your next repair or replacement is covered by your policy.
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 key things to take into account:
Home warranty plans differ significantly in terms of coverage. Most plans cover heating, AC, electrical, plumbing, and appliances. More comprehensive options also offer protection for other items such as pools, well pumps, spas, and roof leaks. Look for a provider that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for companies advertising more affordable fees to optimize savings on each repair claim. Certain companies may waive deductibles when a homeowner submits no claims in a defined period.
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. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Positive ratings and reviews indicate that a provider is known for top-tier service.
Home warranty providers maintain networks of contractors to handle covered repairs. Larger networks improve the probability of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in Canby to get a sense of how quickly your repairs could happen in an emergency.
Home warranty providers might offer perks such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These add value beyond just repair coverage. Added perks maximize the usefulness of the home warranty.
Home warranty plans are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Canby hitting an average high of 56℃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 costs should your HVAC system stop working.
A home warranty also can also save you time and energy. Instead of spending hours researching and selecting a contractor 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 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 provider you purchased your home warranty through.
One main drawback of a home warranty is not everything may be covered. It’s important to weigh the different policies and select one that covers all the appliances, systems, and add-ons you need.
Another consideration is that home warranties usually only cover repairs needed due to normal wear and tear. They often won’t cover home systems or appliances that have been damaged due to improper maintenance, animal infestations, natural disasters, etc.
A home warranty plan costs, on average, around $300 to $600 a year in Canby. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. In addition, it's usually cheaper 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 protects against normal wear and tear to systems and appliances in a home. Homeowners insurance protects your home in a situation such as a fire or natural disaster. Under a homeowners insurance plan, you won't be able to file a claim if you need a new washing machine or dishwasher, unless the damage is due to a natural disaster, which isn't that common in Canby.
First-time homebuyers, landlords, home sellers, homeowners, and real estate agents 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 home warranties in Canby include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover your systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. An appliance or system plan will cover only the items listed in the policy.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Generally, the homeowner is the one who pays 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 has to pay the service fees. In Canby, where the median home value is $573,721, having the seller pay for the home warranty can be a good asset for your new home.
