Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in O'Hara can be expensive, especially as your home ages and your systems and appliances have to be updated. A home warranty is a way to protect your bank account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Finding the right protection for your home can be difficult, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in O'Hara. Keep reading for our recommendations.
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 O'Hara, Liberty Home Guard is the most trustworthy home warranty. Liberty has been in the home warranty industry for over 6 years. The home warranty company offers 3 plans to policyholders, which 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.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the O'Hara area.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read more by visiting our Liberty Home Guard Review.
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 O'Hara, Choice Home Warranty is the best overall home warranty. Choice has been in the home warranty industry for over 15 years. The home warranty company offers 2 plans to policyholders, which 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the O'Hara area.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read more by visiting our Choice Home Warranty Review.
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 O'Hara, Select Home Warranty is the most cost-effective home warranty. Select has been in the home warranty industry for over 11 years. The home warranty company offers 3 plans to policyholders, which 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.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the O'Hara area.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read more by visiting our Select Home Warranty Review.
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 O'Hara, American Home Shield is the most customizable home warranty. AHS has been in the home warranty industry for over 26 years. The home warranty company offers 3 plans to policyholders, which 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the O'Hara area.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read more by visiting our American Home Shield Review.
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 O'Hara, First American Home Warranty is the best home warranty for appliance coverage. First American has been in the home warranty industry for over 39 years. The home warranty company offers 2 plans to policyholders, which 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.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is less than other providers in the O'Hara area.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read more by visiting our First American Home Warranty Review.
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 O'Hara, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for over 44 years. The home warranty company offers 3 plans to policyholders, which 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.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the O'Hara area.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our Cinch Home Services Review.
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 O'Hara, The Home Service Club is the best home warranty with the quickest service. HSC has been in the home warranty industry for over 15 years. The home warranty company offers 2 plans to policyholders, which 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.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the O'Hara area.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read more by visiting our The Home Service Club Review.
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 | $6,074 |
Heating | $4,049 |
Electrical | $607 |
Toilets | $506 |
Washer/Dryer | $810 |
Plumbing | $607 |
Oven | $1,620 |
Fridge | $607 |
A home warranty is a protection plan that assists O'Hara homeowners in reducing the expenses of appliance and system repairs. The plans offer financial coverage to swap out or repair appliances and systems that break down 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 replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid high-priced emergency repairs. The coverage is particularly helpful for those living in 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 cover your home systems and appliances. Common covered appliances are washers, dishwashers, microwaves, garbage disposals, refrigerators, dryers, and more. Included systems are usually heating, plumbing, electrical, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. It's important for O'Hara homeowners to understand most home warranty plans have a 30-day waiting period before repair claims will be approved. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Home warranties use several terms that you'll want to learn before signing a contract, such as:
When selecting a home warranty provider, there are several key factors to consider:
Home warranty policies can have major differences in covered items. Most plans provide protection for electrical, heating, plumbing, AC, and appliances. More inclusive options also extend protection to other items such as roof leaks, well pumps, spas, and pools. Look for providers with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your home’s needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for companies advertising lower service fees to optimize savings on each repair claim. Certain companies may waive deductibles if homeowners don't submit any claims within a set period of time.
A home warranty provider's reputation can give you insight into things such as approval rates, repair timeliness, contractor quality, and customer satisfaction. Check review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Positive ratings and feedback indicate a company known for great service.
Home warranty companies have networks of local professionals to handle repairs in your area. Contact potential providers to find out how many repair technicians they have in O'Hara and get an idea for how fast your repairs could take place in an emergency situation. Larger networks improve the likelihood of getting qualified contractors to swiftly service your home.
Home warranty companies might offer perks such as maintenance discounts, energy efficiency upgrades, and coverage for smart home devices. These can add value beyond just repair coverage. Additional perks can maximize the usefulness of your home warranty.
Since temperatures in O'Hara can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Having a home warranty can help homeowners save money if one of these systems or appliances stops working unexpectedly.
Not only can a home warranty give you some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a contractor and schedule a repair. A home warranty deals with this process by sending trusted professionals to your door when you need them most. Another good thing about having a home warranty is when you’re selling your home, you can most likely transfer your home warranty to the new owners. It can make your home more attractive to potential homebuyers and may help your home sell faster.
One drawback of signing up for a home warranty is that there are generally exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it’s important to read through the contracts you’re considering carefully to get a sense of what is included and what isn’t.
Plus, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty costs, on average, about $300 to $600 a year in O'Hara. 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. Additionally, it's often less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty protects against normal wear and tear to systems and appliances in a home. Homeowners insurance protects the entire home in case of something such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim should you need a new refrigerator or stove, unless the damage is due to a natural disaster, which is somewhat common in O'Hara.
Homebuyers, home sellers, real estate agents, landlords, and homeowners are all eligible for home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
A home warranty plan will cover your systems, appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Generally, a home warranty offers coverage for a year and can be renewed annually. Some companies may offer month-to-month plans.
Typically, the homeowner is responsible for paying for the home warranty. In some cases, though, the person who is selling the home may buy a home warranty 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 O'Hara is $234,365, a home warranty can save you some money when buying a home.