Written By David Cusick
Last Updated February 2024
There are many advantages of owning a home, but as your Richland home gets older, you may find yourself needing to update or repair your appliances and systems. A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
The home warranty market is saturated with many providers — all with different offerings — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in Richland.
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 Richland residents. Liberty is a home warranty provider with 6 years of experience in the industry, and it has established itself as one of the best providers in the business. 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. The 3 plans from Liberty are easy to comprehend and have a mix of both system and appliance coverage.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000 at the maximum.
To receive 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
Choice Home Warranty is the best overall home warranty for Richland residents. Choice is a home warranty provider with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. 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. The 2 plans from Choice are easy to comprehend and have a mix of both system and appliance coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also generally about $3,000 at the maximum.
To receive 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
Select Home Warranty is the most cost-effective home warranty for Richland residents. Select is a home warranty provider with 11 years of experience in the industry, and it has established itself as one of the best providers in the business. 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. The 3 plans from Select are easy to comprehend and have a mix of both system and appliance coverage.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally about $2,000 at the maximum.
To receive 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
American Home Shield is the most customizable home warranty for Richland residents. AHS is a home warranty provider with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. 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. The 3 plans from AHS are easy to comprehend and have a mix of both system and appliance coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally about $2,500 at the maximum.
To receive 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
First American Home Warranty is the best home warranty for appliance coverage for Richland residents. First American is a home warranty provider with 39 years of experience in the industry, and it has established itself as one of the best providers in the business. 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. The 2 plans from First American are easy to comprehend and have a mix of both system and appliance coverage.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also generally about $1,500 at the maximum.
To receive 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
Cinch Home Services is the home warranty with the best workmanship guarantee for Richland residents. Cinch is a home warranty provider with 44 years of experience in the industry, and it has established itself as one of the best providers in the business. 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. The 3 plans from Cinch are easy to comprehend and have a mix of both system and appliance coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally about $1,000-$2,000 at the maximum.
To receive 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
The Home Service Club is the best home warranty with the quickest service for Richland residents. HSC is a home warranty provider with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. 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 2 plans from HSC are easy to comprehend and have a mix of both system and appliance coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally about $2,000 at the maximum.
To receive 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 | $6,231 |
Heating | $4,154 |
Electrical | $623 |
Toilets | $519 |
Washer/Dryer | $831 |
Plumbing | $623 |
Oven | $1,662 |
Fridge | $623 |
A home warranty is a protection plan that assists Richland homeowners in reducing the expenses of appliance and system repairs. The plans offer financial coverage to replace or repair appliances and systems that break down due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty plan gives homeowners peace of mind and can help avoid expensive 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 protect your home's systems and appliances. Common covered appliances include refrigerators, dishwashers, garbage disposals, dryers, washers, microwaves, and more. Covered systems include plumbing, heating, electrical, and air conditioning. Many home warranty plans offer additional coverage for roof leaks, septic systems, central vacuums, and even locksmiths. It's important for Richland homeowners to know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover things like cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. It's important to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by the policy.
Home warranty contracts use several terms that you'll want to know before signing, such as:
There are several key factors to consider when selecting a home warranty provider:
Home warranty coverage varies, although most plans include protection for plumbing, heating, AC, electrical, and appliances. More inclusive plans may also provide protection for other things such as spas, pools, well pumps, and roof leaks. Focus on companies with broad coverage options including upgraded plans. This flexibility enables you to customize your plan to meet your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using companies with lower service fees to maximize savings. Some companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty provider's reputation provides insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Look at review sites like TrustPilot, the Better Business Bureau (BBB), or Google Reviews to learn more about companies. Positive reviews and ratings suggest a company known for quality service.
Home warranty companies maintain networks of contractors to handle covered repairs. More extensive networks raise the likelihood of getting qualified technicians to promptly service your home. Reach out to potential providers and ask how many contractors they have in Richland to get a sense of how soon your repairs could happen in an emergency.
Some home warranty providers may include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These extras can provide extra value beyond repair coverage. Extra bonuses help you enhance your home and get the most from your warranty policy.
Richland’s relatively mild winters and hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the needed repairs, preventing you from spending unexpected money out of pocket.
Not only can a home warranty offer some financial relief, 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 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, some providers let you 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.
Home warranties also have some drawbacks. While it can be convenient that the home warranty sends out a repair person who carries out the repair for you, some people may not like this, and they would prefer to select their own contractor. If that’s the case for you, some home warranty companies let you choose a contractor.
Another consideration is that home warranties typically only cover damage from normal wear and tear. They most likely won’t cover systems or appliances that have stopped working due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty plan costs, on average, about $300 to $600 a year in Richland. Our top-rated home warranty companies' 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. In addition, it's usually 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 covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects the entire home in a situation such as a fire or natural disaster. Under a homeowners insurance plan, you will not 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 Richland.
A home warranty plan can help home sellers, real estate agents, homebuyers, homeowners, and investors. It can provide peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in Richland include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your home systems and appliances, such as your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the items listed in the policy.
Generally, a home warranty plan lasts for a year and can be renewed yearly. Some providers may offer month-to-month plans.
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 Richland, where the median home value is $271,945, having the seller pay for the home warranty can be a good asset for your new home.