Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Being a homeowner in Patton is a great option for those who like nature and quiet neighborhoods. However, as great as Patton is, homeownership always comes with its fair share of headaches, such as trying to pay for your appliance and system repairs yourself. A home warranty in Patton can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
Finding the best home warranty on the market can be a challenge because of the numerous options out there. If you're tired of trying to compare them all, keep reading for our guide on the top home warranty providers in Patton.
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 Patton, Liberty Home Guard offers the most trustworthy home warranty. Liberty has about 6 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. When you buy a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easily comprehensible and offer both system and appliance coverage.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Patton area.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read more by visiting 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
In Patton, Choice Home Warranty offers the best overall home warranty. Choice has about 15 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. When you buy a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Patton area.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting 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
In Patton, Select Home Warranty offers the most cost-effective home warranty. Select has about 11 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. When you buy a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easily comprehensible and offer both system and appliance coverage.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Patton area.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting 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
In Patton, American Home Shield offers the most customizable home warranty. AHS has about 26 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. When you buy a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps 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 Patton area.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting 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
In Patton, First American Home Warranty offers the best home warranty for appliance coverage. First American has about 39 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. When you buy a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 are easily comprehensible and offer both system and appliance coverage.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is less than other providers in the Patton area.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read more by visiting 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
In Patton, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has about 44 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. When you buy a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and offer both system and appliance coverage.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps 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 Patton area.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting 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
In Patton, The Home Service Club offers the best home warranty with the quickest service. HSC has about 15 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. When you buy a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club 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 HSC are easily comprehensible and offer both system and appliance coverage.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps 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 Patton area.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting 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 | $6,070 |
| Heating | $4,047 |
| Electrical | $607 |
| Toilets | $506 |
| Washer/Dryer | $809 |
| Plumbing | $607 |
| Oven | $1,619 |
| Fridge | $607 |
A home warranty is a protection policy that helps Patton homeowners lower the high costs of household repairs. These plans provide financial protection to fix or replace appliances and systems that stop working from 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 repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid expensive emergency repairs. The coverage is particularly helpful for owners of older houses or houses with systems near the end of their life span. However, people with newer homes and modern appliances may not require a home warranty.
Home warranties cover many home systems and appliances. Covered appliances typically include refrigerators, dryers, dishwashers, garbage disposals, washers, microwaves, and more. Covered systems include heating, electrical, air conditioning, and plumbing. Many home warranty providers also offer additional coverage for septic systems, roof leaks, central vacuums, and locksmiths. It's important for Patton homeowners to understand most home warranty plans have a 30-day waiting period before repairs are covered. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or improperly using a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to understand before signing, such as:
There are several important considerations when selecting a home warranty provider:
Home warranties have significant variation in what they include. Basic plans typically cover plumbing, electrical, heating, AC, and appliances, while more comprehensive plans may also cover spas, pools, roof leaks, and well pumps. Look for companies with flexible coverage choices, including upgraded plans. This helps you tailor protection to your 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 company with lower service fees to maximize savings. Some companies also do away with deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation gives insight into things such as contractor quality, approval rates, repair timeliness, and customer service. Check review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Good ratings and feedback indicate a company known for great service.
Home warranty businesses maintain networks of local professionals to handle repairs in your area. Reach out to potential providers to find out how many repair technicians they have in Patton and get an idea for how quickly your repairs might happen in an emergency situation. Wider networks improve the likelihood of getting qualified contractors to quickly service your home.
Some home warranty providers include bonuses such as energy efficiency upgrades, smart home device protection, and maintenance discounts. These add value beyond repair coverage. Extra bonuses maximize the usefulness of your home warranty.
Since temperatures in Patton can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances stops working suddenly.
Not only can a home warranty offer some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a contractor and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most. Another added benefit of having home warranty coverage is that it can increase your home’s property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
As for the disadvantages of home warranties, coverage varies by provider, so it’s important to understand what each policy covers and excludes in the contract.
Additionally, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty in Patton can cost anywhere from $30 to $60 a month. Higher-priced plans tend to have broader coverage, a lower service fee, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also decrease your up-front costs when you opt for 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 home systems and appliances. A homeowners insurance plan protects a home in a situation such as a fire or natural disaster. With homeowners insurance, you will not be able to file a claim should you need a new dryer or oven, unless the damage is a result of a natural disaster, which isn't that common in Patton.
A home warranty policy can help home sellers, homeowners, investors, real estate agents, and homebuyers. It can provide peace of mind and savings to anyone involved in homeownership.
The different kinds of home warranties in Patton include plans that cover either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, such as your dishwasher, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the specific items listed in the contract.
Home warranty plans typically provide coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
In general, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees. In Patton, where the median value of a home is $104,643, having the seller pay for the home warranty can be a good asset for your new home.
