Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Homeownership in White House can be gratifying for many people, but it also comes with its fair share of headaches. Updating your home’s appliances and systems can be an unanticipated financial burden for many homeowners. A home warranty policy can help protect homebuyers and current homeowners by lowering 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 done the research to help you find the top home warranty companies in White House. Keep reading for our top provider 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
Liberty Home Guard offers the most trustworthy home warranty for White House residents. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty offers 3 plans for you to choose from.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For a more detailed breakdown, read 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
Choice Home Warranty offers the best overall home warranty for White House residents. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice offers 2 plans for you to choose from.
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 most of the major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read 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
Select Home Warranty offers the most cost-effective home warranty for White House residents. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you’ll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select offers 3 plans for you to choose from.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, read 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
American Home Shield offers the most customizable home warranty for White House residents. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS offers 3 plans for you to choose from.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For a more detailed breakdown, read 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
First American Home Warranty offers the best home warranty for appliance coverage for White House residents. If you’re looking for very affordable and comprehensive appliance coverage, you’ll want to have this plan on your side. Plus, 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 offers 2 plans for you to choose from.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are around the $1,500 mark for most of the major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For a more detailed breakdown, read 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for White House residents. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind. Cinch offers 3 plans for you to choose from.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around 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.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read 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
The Home Service Club offers the best home warranty with the quickest service for White House residents. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you’ll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC offers 2 plans for you to choose from.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For a more detailed breakdown, read 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 | $6,141 |
| Heating | $4,094 |
| Electrical | $614 |
| Toilets | $512 |
| Washer/Dryer | $819 |
| Plumbing | $614 |
| Oven | $1,638 |
| Fridge | $614 |
A home warranty is a protection plan that assists White House homeowners in lowering the costs of appliance and system repairs. The plans provide coverage to swap out or fix appliances and systems that stop working due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty gives peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly useful for those who own older homes or ones with outdated systems. Newer homes with functional appliances probably don’t require a home warranty.
Home warranties help protect your home systems and appliances. Common covered appliances include washers, dryers, microwaves, refrigerators, dishwashers, garbage disposals, and others. Covered systems include heating, air conditioning, plumbing, and electrical. Many home warranty plans offer additional add-on coverage options for central vacuums, septic systems, locksmiths, and even roof leaks. It's important for White House homeowners to understand most home warranty plans have a 30-day waiting period before repair claims will be approved. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misusing a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
There are several home warranty terms to understand before signing an agreement, including:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty coverage varies widely in the items that are included. Most plans cover electrical, AC, plumbing, heating, and appliances. More inclusive options also cover other items such as pools, well pumps, roof leaks, and spas. Look for providers with flexible coverage choices, including upgraded plans. This helps you customize your plan to your home's 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 eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation provides insight into things such as approval rates, repair timeliness, contractor quality, and customer satisfaction. Check review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Positive ratings and feedback indicate a provider known for exceptional service.
Home warranty businesses have networks of local contractors to handle repairs in your area. Contact potential providers to learn how many repair professionals they have in White House and get an idea for how quickly your repairs might happen in an emergency situation. Bigger networks improve the likelihood of getting qualified contractors to quickly service your home.
Some home warranty providers provide bonuses such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These can add value beyond repair coverage. Extra bonuses can maximize the usefulness of your home warranty.
White House’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 repairs, saving you from spending a lot of money out of pocket.
In addition, having a home warranty can save you time by removing the need to research technicians — most providers will send a trusted professional right to your door to do the repair or replacement. A home warranty can also yield value in other ways. For instance, some plans can be transferred between owners during a home sale.
Home warranties also have some cons. Though it can give you less to worry about since the home warranty sends out a service technician who carries out the repair for you, some homeowners may not like this, and they may want to select their own contractor. If that’s the case for you, some home warranty plans allow you to choose a contractor.
Another possible pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your claims being denied, so it’s important to carefully follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty policy costs, on average, about $300 to $600 a year in White House. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by choosing a higher service fee. In addition, it's usually less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover issues with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects the entire home from natural disasters, which can sometimes be a concern in White House. It doesn't cover a normal appliance or system repairs.
A home warranty policy can help homeowners, homebuyers, investors, home sellers, and real estate agents. It can provide peace of mind to anyone involved in homeownership.
The different home warranties in White House include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your systems and appliances, such as your dishwasher, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the items mentioned in the contract.
Home warranty plans typically provide coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Usually the homeowner is responsible for paying for the home warranty. In some cases, though, the home seller may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in White House is $387,596, a home warranty can be an added asset when buying a home.
