Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Plains can be exciting for many, but it also comes with its fair share of challenges. Home repairs can be an unexpected financial burden for many homeowners. A home warranty can offer you the peace of mind you need and guard your savings account from unexpected expenses by covering your home’s major systems and appliances.
The home warranty market is filled with many providers — all with different offerings — so our team at Today's Homeowner has done the research to help you choose the best home warranty companies in Plains.
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 for Plains residents. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Plains homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are an affordable $75.
Read more by visiting our review of Liberty Home Guard. To get a free quote from Liberty Home Guard, 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 is the best overall home warranty for Plains residents. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Plains homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are an affordable $85.
Read more by visiting our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, 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 is the most cost-effective home warranty for Plains residents. Select has 3 simple plans, making the selection process and policy coverage easily understandable. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the provider for you. Plus, it 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 Plains homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are a reasonable $60.
Read more by visiting our review of Select Home Warranty. To get a free quote from Select Home Warranty, 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 is the most customizable home warranty for Plains residents. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Plains homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
Read more by visiting our review of American Home Shield. To get a free quote from American Home Shield, 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 is the best home warranty for appliance coverage for Plains residents. First American has 2 simple plans, making the selection process and policy coverage easily understandable. If you’re looking for very affordable and comprehensive appliance coverage, this is the provider for you. Plus, 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.
First American Home Warranty offers 2 plans for Plains homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are a reasonable $85.
Read more by visiting our review of First American Home Warranty. To get a free quote from First American Home Warranty, 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 is the home warranty with the best workmanship guarantee for Plains residents. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Plains homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
Read more by visiting our review of Cinch Home Services. To get a free quote from Cinch Home Services, 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 is the best home warranty with the quickest service for Plains residents. HSC has 2 simple plans, making the selection process and policy coverage easily understandable. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the provider for you. Plus, it 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 Plains homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
Read more by visiting our review of The Home Service Club. To get a free quote from The Home Service Club, 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 | $5,755 |
| Heating | $3,837 |
| Electrical | $576 |
| Toilets | $480 |
| Washer/Dryer | $767 |
| Plumbing | $576 |
| Oven | $1,535 |
| Fridge | $576 |
A home warranty is a protection policy that assists Plains homeowners in reducing the costs of appliance and system repairs. The plans offer coverage to swap out or repair appliances and systems that break down due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or fix. 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 policy gives homeowners a sense of security since it can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties cover your home systems and appliances. Covered appliances typically include microwaves, dryers, washers, garbage disposals, dishwashers, refrigerators, and more. Covered systems include plumbing, heating, electrical, and air conditioning. Many home warranty providers also offer add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. Plains 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, most policies only cover repairs and replacements that result from 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 help ensure that your next repair or replacement will be covered by your policy.
Here are some key home warranty words to understand before signing a contract:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage can have major differences in what's included. Most plans cover heating, AC, electrical, plumbing, and appliances. More comprehensive plans also include protection for other items such as roof leaks, well pumps, pools, and spas. Look for a company that offers comprehensive coverage choices, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which gets paid per service call made. These per-claim charges can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some firms also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty company's reputation can offer insight into things such as contractor quality, speed of repairs, approval rates for claims, and customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty companies keep networks of professionals to handle covered repairs. Bigger networks raise the probability of getting qualified technicians to swiftly service your home. Contact potential providers to find out how many contractors they have in Plains to get a sense of how soon your repairs could be handled in an emergency.
Certain home warranty companies include perks such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These bonuses offer extra value beyond repair coverage. Added perks help improve your home and maximize your home warranty.
Since temperatures in Plains can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Buying a home warranty policy can help homeowners save money if one of these systems or appliances stops working all of a sudden.
On top of saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle of trying to find a qualified technician to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair issues you may come across. A home warranty can also yield value in other ways. For example, some plans can be transferred to another owner when you sell your home.
As for the negatives of home warranties, coverage varies by company, so it’s important to read what each plan covers and doesn’t include in the contract.
Another thing to keep in mind is that some providers don’t cover pre-existing issues and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about these things if you need more information or if this is a problem for you.
A home warranty plan costs, on average, around $300 to $600 a year in Plains. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. In addition, it's usually less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover issues related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different plan that protects an entire home from natural disasters, which can sometimes be a concern in Plains. It doesn't cover a normal appliance or system damage.
First-time homebuyers, landlords, homeowners, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
A home warranty can cover your home’s appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Home warranty plans generally provide coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
In general, the homeowner is the one who is responsible for paying 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 will pay the service fees. In Plains, where the median value of a home is $196,345, having the seller pay for the home warranty can be a good asset for your new home.
