Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
There are many perks of owning a home, but as your Unity home ages, you may find yourself needing to update or repair your systems and appliances. A home warranty plan can help protect homebuyers and current homeowners by cutting the costs of major repairs and replacements on your home’s most important appliances and systems.
Finding the best protection for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Unity. Read on 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 Unity, Liberty Home Guard is the most trustworthy home warranty. Liberty has 3 simple plans, making the selection process quick and easy. When you purchase a policy 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 Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
For a more detailed breakdown, read our Liberty Home Guard full review. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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
In Unity, Choice Home Warranty is the best overall home warranty. Choice has 2 simple plans, making the selection process quick and easy. When you purchase a policy 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 Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
For a more detailed breakdown, read our Choice Home Warranty full review. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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
In Unity, Select Home Warranty is the most cost-effective home warranty. Select has 3 simple plans, making the selection process quick and easy. When you purchase a policy 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 Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
For a more detailed breakdown, read our Select Home Warranty full review. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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
In Unity, American Home Shield is the most customizable home warranty. AHS has 3 simple plans, making the selection process quick and easy. When you purchase a policy 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 American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read our American Home Shield full review. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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
In Unity, First American Home Warranty is the best home warranty for appliance coverage. First American has 2 simple plans, making the selection process quick and easy. When you purchase a policy 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 Home Warranty are Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are close to the $1,500 mark for most of the major systems and appliances, and service fees are a reasonable $85.
For a more detailed breakdown, read our First American Home Warranty full review. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 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
In Unity, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has 3 simple plans, making the selection process quick and easy. When you purchase a policy 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 Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
For a more detailed breakdown, read our Cinch Home Services full review. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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
In Unity, The Home Service Club is the best home warranty with the quickest service. HSC has 2 simple plans, making the selection process quick and easy. When you purchase a policy 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 The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
For a more detailed breakdown, read our The Home Service Club full review. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $5,654 |
| Heating | $3,769 |
| Electrical | $565 |
| Toilets | $471 |
| Washer/Dryer | $754 |
| Plumbing | $565 |
| Oven | $1,508 |
| Fridge | $565 |
A home warranty is a protection policy that helps lower expenses for Unity homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out appliances and systems that stop working due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent costly emergency repairs. Home warranties are the most useful for older houses or those with aging systems. New homes with modern appliances may not require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are refrigerators, garbage disposals, dishwashers, dryers, washers, microwaves, and more. Included systems are typically plumbing, heating, air conditioning, and electrical. Many home warranty companies provide add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Unity homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only address repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
There are a number of home warranty terms to understand before signing an agreement, including:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage varies, although most plans include protection for electrical, heating, plumbing, AC, and appliances. More comprehensive options may also include other things such as well pumps, roof leaks, spas, and pools. Look for companies with a diverse range of coverage options, including upgraded plans. This helps you customize your plan to your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may seek out providers advertising lower service fees to optimize savings on each repair claim. Certain providers may waive deductibles if homeowners don't submit any claims within a set period of time.
A home warranty provider's reputation provides insight into things such as approval rates, contractor quality, repair timeliness, and customer satisfaction. Check review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Good ratings and feedback indicate a company known for exceptional service.
Home warranty providers keep networks of contractors to handle covered repairs. Bigger networks improve the probability of getting qualified technicians to promptly service your home. Contact potential providers to find out how many contractors they have in Unity to get a sense of how soon your repairs could happen in an emergency.
Home warranty providers might include perks such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These extras add value beyond basic repair coverage. Added perks help maximize the usefulness of your home warranty.
Unity’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the needed repairs, saving you from spending unexpected money out of pocket.
Additionally, having a home warranty can save you some time by getting rid of the need to research technicians — most providers will send a trusted professional right to your door to do the necessary repair or replacement. Additionally, having a home warranty can help make your house more attractive to potential homebuyers if you ever decide to sell in the future. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you’ve been benefiting from.
As for the disadvantages of home warranties, coverage varies by provider, so it’s important to review what each plan covers and excludes in the contract.
Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They often won’t cover home systems or appliances that have been damaged due to improper maintenance, animal infestations, natural disasters, etc.
A home warranty in Unity can cost between $30 and $60 a month. The higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. This cost is often lower if you pay 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 covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your home in case of something such as a fire or natural disaster. Under a homeowners insurance plan, you won't be able to file a claim if you need a new dryer or air conditioner, unless the damage is due to a natural disaster, which is somewhat common in Unity.
First-time homebuyers, landlords, homeowners, home sellers, and real estate agents can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
The different kinds of home warranties in Unity include plans that cover either appliances or systems as well as combination plans. A combination plan will cover almost all your systems and appliances, including your washing machine, drier, and heating and cooling systems. An appliance or system plan will cover only the items mentioned in the contract.
Generally, a home warranty policy lasts for a year and can be renewed yearly. Some companies may offer month-to-month options.
Typically, the homeowner is responsible for paying 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 Unity, where the median home value is $181,480, having the seller pay for the home warranty can be a good asset for your new home.
