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Written By David Cusick
Last Updated June 2024
Owning a home in Cloverleaf has many great advantages, but there are some negatives. Hot summers can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty is a way to protect your savings account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.
Finding the best home warranty on the market can be difficult because of the sheer number of options available. If you're frustrated with trying to compare them all, keep reading for our guide to the top home warranty companies in Cloverleaf.
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 Cloverleaf residents. Liberty has over 6 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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 home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
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 about $3,000 for each covered appliance or system.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit our 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 Cloverleaf residents. Choice has over 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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 home warranty company offers 2 plans to policyholders that have various system and appliance coverage options.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 for each covered appliance or system.
To receive a free quote from Choice Home Warranty, fill out this online form or call 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 offers the most cost-effective home warranty for Cloverleaf residents. Select has over 11 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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 home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 for each covered appliance or system.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit 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 Cloverleaf residents. AHS has over 26 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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 home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 for each covered appliance or system.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our 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 Cloverleaf residents. First American has over 39 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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 home warranty company offers 2 plans to policyholders that have various system and appliance coverage options.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage caps come out to about $1,500 for each covered appliance or system.
To receive a free quote from First American Home Warranty, fill out this online form or call 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Cloverleaf residents. Cinch has over 44 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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 home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 for each covered appliance or system.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our 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 Cloverleaf residents. HSC has over 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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 warranty company offers 2 plans to policyholders that have various system and appliance coverage options.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 for each covered appliance or system.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit our 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 | $6,012 |
Heating | $4,008 |
Electrical | $601 |
Toilets | $501 |
Washer/Dryer | $802 |
Plumbing | $601 |
Oven | $1,603 |
Fridge | $601 |
A home warranty is a protection policy that helps Cloverleaf homeowners in lowering the costs of appliance and system repairs. The plans offer financial coverage to replace or fix appliances and systems that break down due to normal wear and tear. When something breaks down, you file a claim and pay a service fee. The home warranty provider then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement goes over the item's coverage limit. A home warranty provides 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 aging systems. Newer homes with working fixtures probably don’t require a home warranty.
Home warranties safeguard both your home systems and appliances. Common appliances covered under a home warranty include dishwashers, refrigerators, washers, garbage disposals, dryers, microwaves, and more. Covered systems include air conditioning, plumbing, heating, and electrical. Many home warranties also offer add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. Most home warranty plans require Cloverleaf homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Moreover, policies normally only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranties use several terms that you'll want to understand before signing a contract, such as:
There are several important considerations when choosing a home warranty provider:
Home warranty coverage varies, although most plans include protection for plumbing, heating, AC, electrical, and appliances. More comprehensive options may also provide protection for additional items such as pools, spas, roof leaks, and well pumps. Focus on companies with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize your plan to meet your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a provider with lower service fees to maximize savings on every claim. Some providers also eliminate deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's rating gives insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Favorable ratings and reviews indicate a company known for stellar service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Contact potential providers to ask how many repair professionals they have in Cloverleaf and get an idea of how fast your repairs could be handled in an emergency. Bigger networks increase the probability of getting qualified contractors to swiftly service your home.
Some home warranty providers may include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These extras can offer extra value beyond repair coverage. Extra bonuses allow you to enhance your home and get the most from your home warranty.
Home warranty plans are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Cloverleaf reaching an average high of 79℃F, you may find that certain appliances, such as your air conditioning unit, get a lot of use. A home warranty can remarkably lower out-of-pocket costs should your HVAC system break down.
In addition, having a home warranty can save you some time by getting rid of the need to research repair people — most companies will send a trusted professional right to your door to do the repair or replacement. A home warranty can also have value in other ways. For instance, some plans can be transferred between owners during a home sale.
There are also some negatives to purchasing a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Another drawback is that home warranties may exclude some repairs, such as those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty in Cloverleaf can cost anywhere from $30 to $60 a month. Higher-priced plans typically have a lower service fee, higher coverage limits, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover problems with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different plan that protects your entire home from natural disasters, which can be a concern in Cloverleaf. It doesn't cover a typical appliance or system breakage.
A home warranty policy can help real estate agents, investors, homebuyers, homeowners, and home sellers. It can provide peace of mind to anyone involved with homeownership.
The different home warranties in Cloverleaf include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your home systems and appliances, including your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the items mentioned in the contract.
Home warranty plans usually provide coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Typically, the one who owns the home is responsible for paying for the home warranty. In some cases, however, the home seller may buy a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Cloverleaf is $218,636, a home warranty can be an added asset when buying a home.