Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Buying a home is a big step in many people’s lives, but maintaining it can be costly over time, especially if your home in Plum is on the older side. A home warranty plan can help protect homeowners by reducing the costs of major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be difficult, since there are so many companies to decide between. That’s why our team at Today's Homeowner did the research and put together a list of the best home warranty companies in Plum for you.
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 Plum. The 3 plans from Liberty are easy to comprehend and offer a mix of both system and appliance coverage. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that provide a mix of appliance and system coverage. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Plum area.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our review of Liberty Home Guard to learn more.
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 Plum. The 2 plans from Choice are easy to comprehend and offer a mix of both system and appliance coverage. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a mix of appliance and system coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Plum area.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our review of Choice Home Warranty to learn more.
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 Plum. The 3 plans from Select are easy to comprehend and offer a mix of both system and appliance coverage. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that provide a mix of appliance and system coverage. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Plum area.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our review of Select Home Warranty to learn more.
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 Plum. The 3 plans from AHS are easy to comprehend and offer a mix of both system and appliance coverage. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Plum area.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our review of American Home Shield to learn more.
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 Plum. The 2 plans from First American are easy to comprehend and offer a mix of both system and appliance coverage. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, 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 has 2 plans that provide a mix of appliance and system coverage. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Plum area.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read our review of First American Home Warranty to learn more.
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 Plum. The 3 plans from Cinch are easy to comprehend and offer a mix of both system and appliance coverage. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a mix of appliance and system coverage. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Plum area.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read our review of Cinch Home Services to learn more.
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 Plum. The 2 plans from HSC are easy to comprehend and offer a mix of both system and appliance coverage. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, 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 has 2 plans that provide a mix of appliance and system coverage. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Plum area.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our review of The Home Service Club to learn more.
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 | $5,876 |
| Heating | $3,917 |
| Electrical | $588 |
| Toilets | $490 |
| Washer/Dryer | $783 |
| Plumbing | $588 |
| Oven | $1,567 |
| Fridge | $588 |
A home warranty is a protection policy that helps cut costs for Plum homeowners needing appliance and system repairs. These plans provide coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
Homeowners submit 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 policy gives homeowners peace of mind and 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 appliances and fixtures in good condition may not need a home warranty.
Home warranties protect your home's systems and appliances. Common covered appliances include microwaves, dryers, dishwashers, refrigerators, garbage disposals, washers, and others. Protected systems include air conditioning, heating, plumbing, and electrical. Various home warranty plans offer extra coverage for septic systems, roof leaks, central vacuums, and even locksmiths. Plum homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. Additionally, most policies only address repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. You must keep up with preventative maintenance to help ensure 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 key factors to consider when choosing a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic plans typically cover plumbing, AC, electrical, heating, and appliances, while more comprehensive options may also cover pools, spas, well pumps, and roof leaks. Look for providers with a range of coverage choices, such as upgraded plans. You'll want to tailor your protection for your home’s needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which gets paid per claim you submit. The costs from multiple fees can add up. You may decide to look for companies with lower service fees to maximize your savings on each claim. Some firms also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty provider's reputation provides insights into factors such as repair speed, contractor expertise, claim approval rates, and customer satisfaction. Check review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about providers. Positive feedback and ratings suggest a company known for providing quality service.
Home warranty providers keep networks of local contractors to handle repairs in your area. Contact potential providers to ask how many repair contractors they have in Plum and get an idea for how fast your repairs might happen in an emergency situation. More extensive networks increase the chances of getting qualified contractors to promptly service your home.
Some home warranty plans include bonuses such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These perks can add value beyond just repair coverage. Extra bonuses can maximize the usefulness of your home warranty.
Home warranty policies are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Plum reaching an average high of 59℃F, you may find that certain appliances, such as your A.C., get a lot of use. A home warranty can remarkably bring down out-of-pocket costs should your HVAC system stop working.
On top of saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the hassle of trying to find a qualified repair person to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair problems you may have. Another good thing about having a home warranty is when you’re selling your home, some providers let you transfer your home warranty policy to the new owners. This can make your house more attractive to potential homebuyers and help your home sell faster.
One drawback of purchasing 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.
Additionally, 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 other than normal wear and tear — the home warranty may not cover it.
A home warranty in Plum can cost anywhere from $30 to $60 a month. The higher-priced plans typically have a lower service fee, broader coverage, and higher coverage limits. You can often lower this cost by paying 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 plan protects against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim if you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Plum.
A home warranty can help investors, homeowners, homebuyers, real estate agents, and home sellers. It can provide peace of mind and savings to anyone involved in homeownership.
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 a good idea if you're concerned about one more than the other.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Usually, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Plum, where the median value of a home is $207,396, having the seller pay for the home warranty can save you some money on your new home.
