Written By David Cusick
Last Updated April 2024
With hot summers and cool winters, keeping your home systems and appliances — especially your HVAC — in working order is extremely important for homeowners in Coolbaugh. A home warranty in Coolbaugh can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
The home warranty market has many providers — all with different plans — so the Today's Homeowner team has compiled this guide to help you choose the best home warranty companies in Coolbaugh.
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 is the most trustworthy home warranty in Coolbaugh. Liberty has about 6 years of experience in the home warranty market and in that time has built a an network of service technicians in the country. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. 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. The coverage caps associated with Liberty’s plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For a more detailed breakdown, read our 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
Choice Home Warranty is the best overall home warranty in Coolbaugh. Choice has about 15 years of experience in the home warranty market and in that time has built a an network of service technicians in the country. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for most 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. For a more detailed breakdown, read our 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
Select Home Warranty is the most cost-effective home warranty in Coolbaugh. Select has about 11 years of experience in the home warranty market and in that time has built a an network of service technicians in the country. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are around the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For a more detailed breakdown, read our 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 in Coolbaugh. AHS has about 26 years of experience in the home warranty market and in that time has built a an network of service technicians in the country. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. For a more detailed breakdown, read our 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
First American Home Warranty is the best home warranty for appliance coverage in Coolbaugh. First American has about 39 years of experience in the home warranty market and in that time has built a an network of service technicians in the country. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are around the $1,500 mark for most 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. For a more detailed breakdown, read our 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 is the home warranty with the best workmanship guarantee in Coolbaugh. Cinch has about 44 years of experience in the home warranty market and in that time has built a an network of service technicians in the country. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read our 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
The Home Service Club is the best home warranty with the quickest service in Coolbaugh. HSC has about 15 years of experience in the home warranty market and in that time has built a an network of service technicians in the country. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
To get 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 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 | $6,215 |
Heating | $4,143 |
Electrical | $621 |
Toilets | $518 |
Washer/Dryer | $829 |
Plumbing | $621 |
Oven | $1,657 |
Fridge | $621 |
A home warranty is a protection policy that assists Coolbaugh homeowners cut the expenses of appliance and system repairs. The plans provide financial coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then finds a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid expensive emergency repairs. The coverage is especially helpful for owners of older houses or houses with systems near the end of their life span. However, homeowners with newer homes and functioning appliances might not require a home warranty.
Home warranties help protect both your home systems and appliances. Common covered appliances include dishwashers, microwaves, dryers, refrigerators, garbage disposals, washers, and more. Covered systems include plumbing, heating, air conditioning, and electrical. Many home warranty plans also offer add-on coverage options for septic systems, central vacuums, locksmiths, and even roof leaks. Coolbaugh homeowners should 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 due to normal wear and tear. Home warranties don't cover problems such as natural disasters, pre-existing conditions, cosmetic issues, or improper use of a system or appliance. You need to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by your policy.
Here are some key home warranty words to know before signing a contract:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranties have significant variation in what they include. Basic policies typically provide protection for AC, electrical, heating, plumbing, and appliances, while more comprehensive plans may also cover spas, pools, well pumps, and roof leaks. Look for a company that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a company with lower service fees to maximize savings. Some companies also remove deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation provides insights into factors such as claim approval rates, repair speed, contractor expertise, and customer satisfaction. Check review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about providers. Positive ratings and feedback suggest a company known for delivering quality service.
Home warranty providers have networks of contractors that they use to tackle covered repairs. Bigger networks improve the probability of getting qualified contractors to your home swiftly. Contact possible providers to find out how many repair professionals they have in Coolbaugh to understand how long repairs might take in an urgent situation.
Home warranty companies often offer perks such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These extras can add value beyond repair coverage. Added perks help maximize the usefulness of the home warranty.
Temperatures in Coolbaugh can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a lot of use. As a homeowner in Coolbaugh, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.
Not to mention, having a home warranty can save you time by eliminating the need to research repair people — most providers will send a trusted professional right to your door to do the necessary repair or replacement. 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 purchased your home warranty through.
There are also some negatives to getting a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty.
Another consideration is that home warranties typically only cover damage from normal wear and tear. They most likely won’t cover systems or appliances that need repairs or replacements due to improper maintenance, natural disasters, animal infestations, etc.
A home warranty costs, on average, around $300 to $600 a year in Coolbaugh. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's typically cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of insurance that protects an entire home from natural disasters, which can sometimes be a concern in Coolbaugh. It doesn't cover a typical appliance or system damage.
A home warranty policy can help investors, home sellers, homeowners, real estate agents, and homebuyers. It can provide peace of mind and savings to anyone involved with homeownership.
The different home warranties in Coolbaugh include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover your systems and appliances, including your washing machine, drier, and HVAC. An appliance or system plan will cover only the specific items mentioned in the plan.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Typically, the person who owns the home pays for the home warranty. In some cases, though, the one selling the home may buy a home warranty 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 Coolbaugh is $291,176, a home warranty can save you some money when buying a home.