Written By David Cusick
Last Updated February 2024
The cost of maintaining a home in Lawrenceburg can be costly, particularly as your home ages and your appliances and systems need to be updated or repaired. A home warranty in Lawrenceburg can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
Choosing the best home warranty on the market can be challenging because of the numerous options available. If you're frustrated with trying to compare them all, keep reading for our guide to the top home warranty companies in Lawrenceburg.
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 Lawrenceburg, Liberty Home Guard is the most trustworthy home warranty. The 3 policies that Liberty offers include options for appliance and system 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 plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Lawrenceburg area.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our detailed review of Liberty Home Guard.
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 Lawrenceburg, Choice Home Warranty is the best overall home warranty. The 2 policies that Choice offers include options for appliance and system coverage. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Lawrenceburg area.
To receive 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 detailed 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
In Lawrenceburg, Select Home Warranty is the most cost-effective home warranty. The 3 policies that Select offers include options for appliance and system coverage. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also 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. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Lawrenceburg area.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit our detailed 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
In Lawrenceburg, American Home Shield is the most customizable home warranty. The 3 policies that AHS offers include options for appliance and system coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners 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 Lawrenceburg area.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. To read more, visit our detailed review of American Home Shield.
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 Lawrenceburg, First American Home Warranty is the best home warranty for appliance coverage. The 2 policies that First American offers include options for appliance and system coverage. First American has established itself as a company with very affordable and comprehensive appliance coverage. 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.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Lawrenceburg area.
To receive 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 detailed 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 Lawrenceburg, Cinch Home Services is the home warranty with the best workmanship guarantee. The 3 policies that Cinch offers include options for appliance and system coverage. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps 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 Lawrenceburg area.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our detailed review of Cinch Home Services.
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 Lawrenceburg, The Home Service Club is the best home warranty with the quickest service. The 2 policies that HSC offers include options for appliance and system coverage. 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps 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 Lawrenceburg area.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our detailed review of The Home Service Club.
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 | $5,646 |
Heating | $3,764 |
Electrical | $565 |
Toilets | $471 |
Washer/Dryer | $753 |
Plumbing | $565 |
Oven | $1,506 |
Fridge | $565 |
A home warranty is a protection plan that assists Lawrenceburg homeowners reduce the costs of appliance and system repairs. The plans provide coverage to fix or swap out appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid high-priced emergency repairs. The coverage is especially helpful for those living in older houses or houses with systems near the end of their life span. However, people with newer homes and modern appliances may not need a home warranty.
Home warranties protect your household systems and appliances. Typical covered appliances include refrigerators, dryers, washers, garbage disposals, microwaves, dishwashers, and others. Protected systems include air conditioning, plumbing, electrical, and heating. Many home warranty plans offer add-on coverage for roof leaks, septic systems, central vacuums, and even locksmiths. It's important for Lawrenceburg homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should know key terms like:
There are several important factors to consider when selecting a home warranty provider:
Home warranty plans can have major differences in covered items. Most plans provide protection for heating, AC, electrical, plumbing, and appliances. More comprehensive options also extend protection to other items such as pools, spas, well pumps, and roof leaks. Look for a company that offers an extensive selection of coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and 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 providers also offer disappearing deductibles after periods where a customer files no claims.
A home warranty company's reputation provides insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Check review sites like Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to learn more about companies. Favorable ratings and feedback suggest a company known for delivering quality service.
Home warranty companies have networks of contractors to handle covered repairs. More extensive networks increase the probability of getting qualified technicians to promptly service your home. Reach out to potential providers and ask how many contractors they have in Lawrenceburg to get a sense of how quickly your repairs could happen in an emergency.
Some home warranty providers include perks such as smart home device coverage, energy efficiency upgrades, and reduced maintenance fees. These extras can offer extra value beyond just repair coverage. Added bonuses allow you to enhance your home and get the most from your warranty policy.
Home warranty policies are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Lawrenceburg reaching an average high of 68℃F, you may find that some appliances, such as your air conditioner, get a lot of use. A home warranty can considerably lower out-of-pocket expenses should your HVAC system stop working.
Not only does a home warranty give you some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a contractor and schedule a repair. A home warranty handles this process by sending trusted professionals to your door when you need them most. Plus, having a home warranty can make your house more attractive to potential homebuyers should you ever decide to sell later. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you’ve been receiving.
Home warranties also have some cons. Though it can save you time when the home warranty sends out a repair technician who carries out the repair for you, some homeowners may not like this, and they would rather choose their own contractor. If that’s important to you, some home warranty companies allow you to select a contractor.
Another potential pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your repair requests being denied, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Lawrenceburg can cost anywhere from $30 to $60 a month. Higher-priced plans tend to have higher coverage limits, a lower service fee, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also lower your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover problems related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of insurance that protects an entire home from natural disasters, which can sometimes be a concern in Lawrenceburg. It doesn't cover a normal appliance or system repairs.
A home warranty plan can help investors, homeowners, home sellers, homebuyers, and real estate agents. It can provide peace of mind to anyone involved with homeownership.
The different home warranties in Lawrenceburg include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover your systems and appliances, such as your washing machine, drier, and heating and cooling systems. An appliance or system plan will cover only the specific items listed in the contract.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month options.
Usually, the homeowner is the one who is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Lawrenceburg, where the median home value is $222,519, having the seller pay for the home warranty can save you some money on your new home.