Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
If you're looking into getting a home warranty, our list of the top companies in Ontario can help. With hot summers, keeping your home appliances and systems working, particularly HVAC, are very important for homeowners in the Ontario area of Oregon.
A home warranty in Ontario can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop functioning due to normal wear and tear. Finding the best home warranty on the market can be quite difficult since 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 top home warranty companies in Ontario for you.
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 is the best overall home warranty for Ontario residents. If you're looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice's plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our detailed review of Choice Home Warranty 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 in Ontario. Select has about 11 years of experience in the home warranty market and in that time has built a a skilled network of service technicians in the country. When you buy a policy 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. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, read our full review of Select Home Warranty.
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 is the most customizable home warranty for Ontario residents. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage. When you buy a home warranty 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read our full 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
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 is the best home warranty with the quickest service for Ontario residents. HSC has 2 plans for homeowners to choose from. 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, this is the plan for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Ontario area.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our The Home Service Club full review to learn more.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for Ontario residents. Liberty has been in the home warranty business for around 6 years. Liberty has 3 simple plans, making the selection process quick and easy. 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.
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.
For more information, read our Liberty Home Guard full review. To get 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
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 Ontario, First American Home Warranty is the best home warranty for appliance coverage. The 2 plans from First American are easy to understand and offer both system and appliance coverage. With a home warranty from First American, you can benefit from 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 from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps associated with First American's plans are around the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit our detailed review of First American Home Warranty.
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 Ontario. Cinch offers 3 plans for homeowners to choose from. 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 plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch's service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 for each covered appliance or system.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information on this provider, read our Cinch Home Services full review.
Appliances Plan
Built-in Systems Plan
Complete Home 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 | $5,640 |
| Heating | $3,760 |
| Electrical | $564 |
| Toilets | $470 |
| Washer/Dryer | $752 |
| Plumbing | $564 |
| Oven | $1,504 |
| Fridge | $564 |
A home warranty is a protection plan that covers home systems and appliances. When your HVAC breaks down, and the repair is several hundred dollars, a home warranty will make sure that you only have to pay a predetermined service fee. Home warranty companies typically don't require an inspection, and you can generally start using it about 30 days after making your first payment.
Filing a claim with your home warranty company is quite straightforward. There will be an online portal system or a direct phone number to request service for a repair or replacement.
At this point, you'll also need to pay your service fee. Once the repair person takes a look at the issue, they will handle it at no cost to you. The only time a homeowner may have to pay out-of-pocket costs is if the repair or replacement is more than the item's coverage cap.
A home warranty in Ontario provides coverage for the main systems and appliances in a house. Common appliances covered by a home warranty plan include a microwave, refrigerator, washer, dryer, dishwasher, garbage disposal, and more. The systems that are usually covered will be heating, plumbing, electrical systems, and air conditioning.
Add-on coverage options can vary by provider but often include things such as a sprinkler system, septic system, second refrigerator, plumbing stoppages, and central vacuum.
A home warranty will only protect against normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, intentional breakages, pre-existing conditions, and natural disasters are not covered with a home warranty.
Ontario's cold winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the needed repairs, saving you from spending unexpected money out of pocket.
Not only does a home warranty offer some financial relief, 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.
As for the downsides of home warranties, home system and appliance coverage varies by provider, so it's important to read what each policy covers and doesn't include in the contract.
Also, if you don't maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
Now that you're ready to get a home warranty policy, the first step is deciding what appliances and systems you need coverage for. From there, you can compare your options and contact different home warranty providers to get a free quote. Plans can vary, so take into consideration the following factors when choosing a home warranty provider:
Our pick for the best overall home warranty provider in Ontario is Choice Home Warranty, but the best company for you will vary based on factors like what appliances and systems you need to have covered.
Home warranties cover issues with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different plan that protects the entire home from natural disasters, which can sometimes be a concern in Ontario. It doesn't cover a typical appliance or system breakage.
The most common types of home warranties in Ontario are plans with coverage for either appliances or systems and a comprehensive plan. A comprehensive plan will cover many of your home systems and appliances, including your dishwasher, washing machine, and HVAC. A plan that only covers appliances or systems will cover the specific systems or appliances listed in the plan.
A home warranty plan can protect you from expensive repair bills, but only if you purchase a quality plan from a trustworthy company. When picking a home warranty company to purchase a plan from, you should evaluate things like its customer service and availability in your area. In addition, you should think about the coverage the company offers and what appliances and systems are protected. Homes that have appliances and systems on the older end may need a policy with more coverage.
Typically the homeowner pays for the home warranty. In when selling a home, though, the person who is selling the home may buy a home warranty plan 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 Ontario is $137,700, a home warranty can help you avoid more costs when buying a home.
A Ontario home warranty can cost between $40 and $80 a month. Higher-priced plans usually have a lower service fee, higher coverage limits, and more coverage.
When living in a town like Ontario, you may be wondering if problems like natural disasters will be covered under a home warranty. Home warranties usually don't cover damage due to lack of proper maintenance, intentional breakage, or natural disasters.
