Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in North Union has lots of perks, but it also comes with its difficulties. Your home’s appliances and systems will eventually need repairs, and this could mean a large expense. A home warranty can give you the peace of mind you need and shield your savings account from unexpected expenses by covering your home’s major appliances and systems.
The home warranty market is saturated with a lot of providers — all with different coverage — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in North Union.
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 North Union residents. Liberty has around 6 years of experience in the home warranty industry and in that time has built a a skilled network of service professionals in the country. 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.
Liberty Home Guard offers 3 plans for North Union homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the North Union area.
For more information on this provider, read our review of Liberty Home Guard. To receive 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
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 North Union residents. Choice has around 15 years of experience in the home warranty industry and in that time has built a a skilled network of service professionals in the country. Choice has 2 simple plans, making the selection process quick and easy. 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.
Choice Home Warranty offers 2 plans for North Union homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the North Union area.
For more information on this provider, read our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, you can 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 for North Union residents. Select has around 11 years of experience in the home warranty industry and in that time has built a a skilled network of service professionals in the country. Select has 3 simple plans, making the selection process quick and easy. 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.
Select Home Warranty offers 3 plans for North Union homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the North Union area.
For more information on this provider, read our review of Select Home Warranty. To receive a free quote from Select Home Warranty, you can 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 for North Union residents. AHS has around 26 years of experience in the home warranty industry and in that time has built a a skilled network of service professionals in the country. AHS has 3 simple plans, making the selection process quick and easy. 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.
American Home Shield offers 3 plans for North Union homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the North Union area.
For more information on this provider, read our review of American Home Shield. To receive a free quote from American Home Shield, you can 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 for North Union residents. First American has around 39 years of experience in the home warranty industry and in that time has built a a skilled network of service professionals in the country. First American has 2 simple plans, making the selection process quick and easy. 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.
First American Home Warranty offers 2 plans for North Union homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is less than other providers in the North Union area.
For more information on this provider, read our review of First American Home Warranty. To receive a free quote from First American Home Warranty, you can 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 for North Union residents. Cinch has around 44 years of experience in the home warranty industry and in that time has built a a skilled network of service professionals in the country. Cinch has 3 simple plans, making the selection process quick and easy. 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.
Cinch Home Services offers 3 plans for North Union homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the North Union area.
For more information on this provider, read our review of Cinch Home Services. To receive a free quote from Cinch Home Services, you can 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 for North Union residents. HSC has around 15 years of experience in the home warranty industry and in that time has built a a skilled network of service professionals in the country. HSC has 2 simple plans, making the selection process quick and easy. 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 Home Service Club offers 2 plans for North Union homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the North Union area.
For more information on this provider, read our review of The Home Service Club. To receive a free quote from The Home Service Club, you can 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 | $5,588 |
| Heating | $3,725 |
| Electrical | $559 |
| Toilets | $466 |
| Washer/Dryer | $745 |
| Plumbing | $559 |
| Oven | $1,490 |
| Fridge | $559 |
A home warranty is a protection plan that helps cut costs for North Union homeowners needing appliance and system repairs. These plans provide financial coverage to repair or replace 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 finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent costly emergency repairs. Home warranties are the most useful for older houses or those with aging systems. New homes with modern appliances may not require a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include garbage disposals, dishwashers, dryers, washers, microwaves, refrigerators, and more. Included systems are typically electrical, heating, plumbing, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. It's important for North Union 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, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover things like natural disasters, pre-existing conditions, cosmetic issues, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Before signing a home warranty contract, you should know key terms like:
When selecting a home warranty provider, there are several key factors to consider:
Home warranties vary widely in terms of included coverage. Basic plans typically provide protection for heating, AC, electrical, plumbing, and appliances, while more comprehensive plans may also cover roof leaks, well pumps, pools, and spas. Look for providers with varied coverage options, including upgraded plans. This allows you to customize your plan to your home's needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may seek out providers 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 provider's reputation can offer insight into things such as speed of repairs, contractor quality, approval rates for claims, and customer satisfaction. Use third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty companies have networks of technicians to handle covered repairs. Wider networks improve the likelihood of getting qualified technicians to swiftly service your home. Reach out to potential providers and ask how many contractors they have in North Union to get a sense of how soon your repairs could be handled in an emergency.
Certain home warranty companies offer extras such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These offer extra value beyond repair coverage. Extra perks help improve your home and help maximize your home warranty.
Home warranties are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in North Union reaching an average high of 58℃F, you may find that some appliances, like your air conditioning system, get a lot of use. A home warranty can considerably decrease out-of-pocket expenses should your HVAC system break down.
Additionally, having a home warranty can save you some 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. A home warranty can also have value in other ways. For instance, some plans can be transferred to another owner during a home sale.
There are also some downsides to purchasing a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Another pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your repair requests being rejected, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in North Union can cost between $30 and $60 a month. Higher-priced plans usually have a lower service fee, higher coverage limits, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some providers will also lower your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in case of something such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim should you need a new washing machine or air conditioner, unless the damage is due to a natural disaster, which is somewhat common in North Union.
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 kinds of home warranties in North Union include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers your home systems and appliances, including your dishwasher, washing machine, and HVAC. An appliance or system plan will cover only the items listed in the contract.
Generally, a home warranty lasts for a year and can be renewed yearly. Some companies may offer month-to-month options.
Usually the one who owns the home is responsible for paying for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in North Union is $149,645, a home warranty can be an added asset when buying a home.
