Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Considering getting a home warranty? One of our top home warranty providers can help. Being a homeowner in Germantown is an excellent option for those who enjoy up-and-coming cities. However, as great as Germantown is, homeownership always comes with its fair share of headaches, such as trying to pay for your appliance repairs yourself.
When one of your systems or appliances breaks down, a home warranty will help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less anxious about homeownership. Finding the best home warranties on the market can be difficult because of the many options out there. If you are frustrated with trying to compare the different options, keep reading for our guide on the top home warranty companies in Germantown.
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 Germantown, Choice Home Warranty offers the best overall home warranty. With a home warranty from Choice, you can benefit from 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 home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice's plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit 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
Select Home Warranty is the most cost-effective home warranty for Germantown 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 plan for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. 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.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For a more detailed breakdown, read 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
American Home Shield offers the most customizable home warranty for Germantown residents. AHS has been operating for about 26 years, making it a well-regarded company in the industry. 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 understand 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 cheaper than other providers in the Germantown area.
For a more detailed breakdown, read our full review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 offers the best home warranty with the quickest service for Germantown residents. HSC is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. HSC has 2 simple plans, making the selection process and policy coverage easily understandable. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also 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 system and appliance coverage. The coverage caps associated with HSC's plans are around the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our The Home Service Club full review to learn more.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
In Germantown, Liberty Home Guard offers the most trustworthy home warranty. The 3 plans from Liberty are easily comprehensible and offer a mix of both system and appliance coverage. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It 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. Liberty's service fees are an affordable $75, and the coverage caps come out to around $3,000 per covered system or appliance.
To read more, visit our detailed 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
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 Germantown, First American Home Warranty is the best home warranty for appliance coverage. First American has over 39 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. The home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage. First American offers very affordable and comprehensive appliance coverage. Plus, it 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.
First American Home Warranty offers 2 plans for Germantown homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Germantown area.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. To read more, visit 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 Germantown, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has over 44 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. Cinch has 3 simple plans, making the selection process easy. When you purchase a home warranty 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 major systems and appliances, and service fees are customizable and range from $75 to $150.
For a more detailed breakdown, read our review of Cinch Home Services. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home 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 | $6,860 |
| Heating | $4,573 |
| Electrical | $686 |
| Toilets | $572 |
| Washer/Dryer | $915 |
| Plumbing | $686 |
| Oven | $1,829 |
| Fridge | $686 |
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having a home warranty in place can offer you some peace of mind and prevent you from paying big out-of-pocket costs. Most home warranty plans start about 30 days after paying for the home warranty.
When one of your systems or appliances has an issue, you file a claim with your service provider. You can do so in an online portal or by telephone, and then a repair technician will come and fix the problem.
Once you submit the claim, it will be assigned to a local repair person that will come to your home and look at the issue. At this point, you pay the service fee. Service fees usually range in price from around $60 to $150 and this is the only out-of-pocket fee you will need to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty will cover systems and appliances that have stopped working from normal wear and tear. For example, if your washing machine suddenly needs repairs under normal use conditions, you can call your home warranty provider. The appliances that are typically covered under a home warranty include a garbage disposal, dishwasher, clothes washer, clothes dryer, refrigerator, microwave, and more. The systems included are plumbing, air conditioning, ductwork, and electrical systems.
The add-on coverages can include spa, pool, septic system, roof leak, and sometimes even things like locksmith or pest control.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things such as cosmetic damages, lack of maintenance, pre-existing conditions, and misuse are not included in the home warranty policy.
Germantown's hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty will cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the needed repairs, preventing you from spending a lot of money out of pocket.
Along with saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the pain 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 issues you may come across.
One of the major drawbacks of home warranties is not every home system and appliance may be covered. It's important to compare the different policies and choose one that covers all the appliances, systems, and add-ons you need.
Another stipulation is that home warranties typically only cover malfunctions due to normal wear and tear. They commonly won't cover systems or appliances that have been damaged due to improper maintenance, natural disasters, animal infestations, etc.
Determining the best provider for your home warranty is the first step toward protecting your property. Before deciding which home warranty to buy, here are a few additional factors to keep in mind:
The best home warranty provider in Germantown is Choice Home Warranty. Choice Home Warranty has a large network of professional service technicians and a tremendous reputation in the Germantown area.
Home warranties cover issues with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a larger plan that protects an entire home from natural disasters, which can be a concern in Germantown. It doesn't cover a typical appliance or system breakage.
The most common types of home warranties in Germantown are plans that cover either appliances or systems and a comprehensive plan. A comprehensive plan covers almost all your home systems and appliances, such as your refrigerator, washing machine, and HVAC. A plan that only covers appliances or systems will cover the appliances or systems listed in the plan.
A home warranty can protect you from expensive repair bills, but only if you buy a quality plan from a reputable company. When picking a home warranty company to purchase a plan from, you should evaluate things like its customer service and availability in your area. In addition, you should look at the coverage the company offers and what kinds of appliances and systems are protected. Homes that have new appliances or systems can get by on a plan with less coverage.
A service fee is a cost that a homeowner must pay before a repair person or contractor comes to your home to repair your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners have with a home warranty in place except for the policy's premium unless the cost of the repair is greater than the coverage cap.
A home warranty in Germantown can cost between $40 and $80 a month. The higher-priced plans typically have a lower service fee, more coverage, and higher coverage limits.
Most home warranty providers have a 30-day waiting period before you can file claims, but some may let you file sooner so make sure you check with the company about this.
