Written By David Cusick
Last Updated April 2024
As much as you may love owning a home in Carnegie, there's always that worry about whether your appliances and systems are going to hold up during the next few years. A home warranty can help protect you by lowering the costs of major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be overwhelming, since there are so many companies to choose from. That’s why our team at Today's Homeowner did the research and put together a list of the top home warranty companies in Carnegie 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
Liberty Home Guard offers the most trustworthy home warranty in Carnegie. Liberty has been in the home warranty business for over 6 years. The 3 policies that Liberty offers include differing levels of system and appliance coverage, as well as add-on 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 plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000 at the maximum.
Read our review of Liberty Home Guard to learn more. To receive a free quote from Liberty Home Guard, 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 in Carnegie. Choice has been in the home warranty business for over 15 years. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on 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 plans that Choice offers to homeowners are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also generally around $3,000 at the maximum.
Read our review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, 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 in Carnegie. Select has been in the home warranty business for over 11 years. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on 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 plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000 at the maximum.
Read our review of Select Home Warranty to learn more. To receive a free quote from Select Home Warranty, 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 in Carnegie. AHS has been in the home warranty business for over 26 years. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on 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 plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500 at the maximum.
Read our review of American Home Shield to learn more. To receive a free quote from American Home Shield, 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 in Carnegie. First American has been in the home warranty business for over 39 years. The 2 policies that First American offers include differing levels of system and appliance coverage, as well as add-on 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500 at the maximum.
Read our review of First American Home Warranty to learn more. To receive a free quote from First American Home Warranty, 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 in Carnegie. Cinch has been in the home warranty business for over 44 years. The 3 policies that Cinch offers include differing levels of system and appliance coverage, as well as add-on 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 plans that Cinch offers to homeowners 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 generally around $1,000-$2,000 at the maximum.
Read our review of Cinch Home Services to learn more. To receive a free quote from Cinch Home Services, 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 in Carnegie. HSC has been in the home warranty business for over 15 years. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on 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 plans that HSC offers to homeowners 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 generally around $2,000 at the maximum.
Read our review of The Home Service Club to learn more. To receive a free quote from The Home Service Club, 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 | $5,986 |
Heating | $3,990 |
Electrical | $599 |
Toilets | $499 |
Washer/Dryer | $798 |
Plumbing | $599 |
Oven | $1,596 |
Fridge | $599 |
A home warranty is a protection policy that helps reduce the high costs for Carnegie homeowners needing appliance and system repairs. These plans provide coverage to fix 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 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 exceeds the item's coverage limit. A home warranty plan gives homeowners a sense of security since it can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties protect many household systems and appliances. Common covered appliances are garbage disposals, microwaves, dryers, washers, refrigerators, dishwashers, and more. Protected systems include plumbing, electrical, heating, and air conditioning. Various home warranty plans offer additional coverage for central vacuums, roof leaks, septic systems, and even locksmiths. It's important for Carnegie homeowners to know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover things like cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. You need to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by your policy.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
When choosing a home warranty provider, there are several important factors to consider:
Home warranties differ greatly in the items covered. Basic policies typically include plumbing, AC, heating, electrical, and appliances, while more comprehensive plans may also cover spas, pools, roof leaks, and well pumps. Focus on providers with broad coverage options including upgraded plans. Flexibility like this will help you customize your plan to meet your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a provider with lower service fees to maximize savings. Some companies also eliminate deductibles if a customer goes a period of time without filing any claims.
A home warranty provider's rating provides insight into things such as timeliness of repairs, contractor quality, 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 companies. Complimentary ratings and reviews indicate a provider known for stellar service.
Home warranty providers have networks of contractors that they use to tackle covered repairs. Bigger networks improve the probability of getting skilled contractors to your home promptly. Contact possible providers to learn how many contractors they have in Carnegie to understand how long repairs might take in an urgent situation.
Some home warranty providers may include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These can provide extra value beyond just repair coverage. Extra bonuses let you enhance your home and get the most from your home warranty.
Temperatures in Carnegie can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in Carnegie, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Not only does a home warranty give you some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty handles this process by sending trusted professionals to your door when you need them most. A home warranty can also offer value in other ways. For instance, some plans can be transferred between owners when you sell your home.
As for the negatives of home warranties, home system and appliance coverage varies by company, so it’s important to understand what each plan covers and excludes in the contract.
Another thing to consider is that some companies don’t cover pre-existing damage and may require an inspection before your coverage can start. Ask the home warranty company for clarification about these things if you aren’t sure or if this is an issue for you.
A home warranty costs, on average, about $300 to $600 a year in Carnegie. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by opting for a higher service fee. Additionally, it's typically cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover issues with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger plan that protects an entire home from natural disasters, which can sometimes be a concern in Carnegie. It doesn't cover a normal appliance or system damage.
Homebuyers, homeowners, home sellers, landlords, and real estate agents can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
A home warranty can cover your home’s appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Home warranty plans typically offer coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Usually the homeowner pays for the home warranty. In some cases, however, the one selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Carnegie is $211,711, a home warranty can be an added asset when buying a home.