Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Collier can be costly, especially as your home ages and your appliances and systems have to be repaired or replaced. A home warranty policy can help protect you by covering major repairs and replacements on your home’s most important systems and appliances.
The home warranty market is filled with a variety of providers — all with different plans — so our team at Today's Homeowner has done the research to help you choose the best home warranty companies in Collier.
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 Collier, Liberty Home Guard offers the most trustworthy home warranty. Liberty has more than 6 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. Liberty has 3 plans for homeowners to decide between. With a home warranty from Liberty, you can benefit from 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 plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Collier area.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For a more detailed breakdown, read our comprehensive review of Liberty Home Guard.
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 Collier, Choice Home Warranty offers the best overall home warranty. Choice has more than 15 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. Choice has 2 plans for homeowners to decide between. With a home warranty from Choice, you can benefit from 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 plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Collier area.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our comprehensive review of Choice Home Warranty.
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 Collier, Select Home Warranty offers the most cost-effective home warranty. Select has more than 11 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. Select has 3 plans for homeowners to decide between. With a home warranty from Select, you can benefit from 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 plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Collier area.
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 comprehensive 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
In Collier, American Home Shield offers the most customizable home warranty. AHS has more than 26 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. AHS has 3 plans for homeowners to decide between. With a home warranty from AHS, you can benefit from 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 plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits 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 Collier area.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For a more detailed breakdown, read our comprehensive review of American Home Shield.
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 Collier, First American Home Warranty offers the best home warranty for appliance coverage. First American has more than 39 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. First American has 2 plans for homeowners to decide between. 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Collier area.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For a more detailed breakdown, read our comprehensive 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
In Collier, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has more than 44 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. Cinch has 3 plans for homeowners to decide between. With a home warranty from Cinch, you can benefit from 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 plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits 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 Collier area.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read our comprehensive review of Cinch Home Services.
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 Collier, The Home Service Club offers the best home warranty with the quickest service. HSC has more than 15 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. HSC has 2 plans for homeowners to decide between. With a home warranty from HSC, you can benefit from 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits 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 Collier area.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For a more detailed breakdown, read our comprehensive review of The Home Service Club.
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 | $5,993 |
Heating | $3,996 |
Electrical | $599 |
Toilets | $499 |
Washer/Dryer | $799 |
Plumbing | $599 |
Oven | $1,598 |
Fridge | $599 |
A home warranty is a protection policy that helps reduce the high costs for Collier homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out 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 company then arranges a contractor to make the repair 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 delivers security for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who own older homes or ones with outdated systems. Newer builds with functional appliances probably don’t require a home warranty.
Home warranties cover many home systems and appliances. Covered appliances typically include microwaves, garbage disposals, washers, dryers, refrigerators, dishwashers, and more. Covered systems include plumbing, electrical, heating, and air conditioning. Many home warranty companies also offer add-on coverage for locksmiths, central vacuums, roof leaks, and septic systems. Most home warranty plans require Collier homeowners to wait 30 days before they can use the policy to pay for repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
There are multiple home warranty terms to understand before signing an agreement, including:
There are several key factors to consider when selecting a home warranty provider:
Home warranty coverage varies, although most plans include protection for electrical, plumbing, heating, AC, and appliances. More extensive plans may also provide protection for additional items such as spas, well pumps, pools, and roof leaks. Look for companies with a diverse range of coverage options, including upgraded plans. This allows you to customize your plan to your home's needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which gets paid per repair request filed. The per-request costs can add up. You may decide to look for companies with lower service fees to maximize your savings on each claim. Some providers also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty provider's rating gives 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 provider known for stellar service.
Home warranty companies maintain networks of technicians to handle covered repairs. Wider networks increase the likelihood of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in Collier to get a sense of how soon your repairs could happen in an emergency.
Certain home warranty providers include perks such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These provide extra value beyond repair coverage. Extra perks enhance your home and help maximize your home warranty.
Since temperatures in Collier can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Buying a home warranty plan can help homeowners save money if one of these systems or appliances breaks suddenly.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of needing to vet contractors by yourself, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. A home warranty can also offer value in other ways. For example, some policies can be transferred to another owner during a home sale.
There are also some drawbacks to buying a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Another consideration is that home warranties typically only cover repairs needed due to normal wear and tear. They most likely won’t cover systems or appliances that have been damaged due to animal infestations, improper maintenance, natural disasters, etc.
A home warranty policy costs, on average, about $300 to $600 a year in Collier. 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 choosing 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 warranty policies cover problems with 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 Collier. It doesn't cover a typical appliance or system breakage.
Homebuyers, home sellers, real estate agents, homeowners, and landlords are all eligible for home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
The different kinds of home warranties in Collier include plans that cover either appliances or systems as well as combination plans. A combination plan will cover almost all your home systems and appliances, including your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the specific items mentioned in the policy.
Home warranty plans generally last a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Generally, the homeowner is the one who pays the premium and service fees. However, when buying 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. In Collier, where the median value of a home is $275,877, having the seller pay for the home warranty can save you some money on your new home.