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Last Updated: February 25, 2025
Although homeownership in Dayton has a great number of benefits — such as being surrounded by nature — there are also downsides. One major issue many homeowners have to deal with at some point is updating or repairing their home appliances and systems. A home warranty in Dayton can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
Finding the best warranty for your home can be difficult, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Dayton. 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 Dayton, Liberty Home Guard is the most trustworthy home warranty. Liberty has about 6 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. 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 are easy to comprehend and have a mix of both system and appliance coverage.
Liberty Home Guard has 3 plans that offer a combination of system and appliance coverage. 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 more information, read our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or call 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 Dayton, Choice Home Warranty is the best overall home warranty. Choice has about 15 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. 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 2 plans from Choice are easy to comprehend and have a mix of both system and appliance coverage.
Choice Home Warranty has 2 plans that offer a combination of system and appliance coverage. 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 more information, read our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or call 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 Dayton, Select Home Warranty is the most cost-effective home warranty. Select has about 11 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. 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 3 plans from Select are easy to comprehend and have a mix of both system and appliance coverage.
Select Home Warranty has 3 plans that offer a combination of system and appliance coverage. 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 more information, read our review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or call 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 Dayton, American Home Shield is the most customizable home warranty. AHS has about 26 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. 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 3 plans from AHS are easy to comprehend and have a mix of both system and appliance coverage.
American Home Shield has 3 plans that offer a combination of system and appliance coverage. 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 more information, read our 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
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 Dayton, First American Home Warranty is the best home warranty for appliance coverage. First American has about 39 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. 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 2 plans from First American are easy to comprehend and have a mix of both system and appliance coverage.
First American Home Warranty has 2 plans that offer a combination of system and appliance coverage. 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 more information, read our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or call 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 Dayton, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has about 44 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. 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 3 plans from Cinch are easy to comprehend and have a mix of both system and appliance coverage.
Cinch Home Services has 3 plans that offer a combination of system and appliance coverage. 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 more information, read our review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or call 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 Dayton, The Home Service Club is the best home warranty with the quickest service. HSC has about 15 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. 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 2 plans from HSC are easy to comprehend and have a mix of both system and appliance coverage.
The Home Service Club has 2 plans that offer a combination of system and appliance coverage. 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 more information, read our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or call 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 | $5,870 |
| Heating | $3,914 |
| Electrical | $587 |
| Toilets | $489 |
| Washer/Dryer | $783 |
| Plumbing | $587 |
| Oven | $1,565 |
| Fridge | $587 |
A home warranty is a protection policy that assists Dayton homeowners in lowering the expenses of appliance and system repairs. The plans provide coverage to swap out or repair appliances and systems that stop working due to normal wear and tear. When something breaks down, you submit a claim and pay a service fee. The home warranty provider then arranges 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 policy gives homeowners a sense of security and can help avoid costly emergency repairs. They can be especially helpful for buyers of older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not need a home warranty.
Home warranties safeguard your home systems and appliances. Common covered appliances include microwaves, refrigerators, washers, garbage disposals, dryers, dishwashers, and others. Covered systems include electrical, heating, air conditioning, and plumbing. Many home warranty plans offer additional add-on coverage options for central vacuums, locksmiths, septic systems, and even roof leaks. Most home warranty plans require Dayton homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Additionally, policies typically only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
There are a number of home warranty terms to learn before signing an agreement, including:
There are several key considerations when choosing a home warranty provider:
Home warranty policies can have major differences in covered items. Most plans cover AC, plumbing, heating, electrical, and appliances. More comprehensive options also offer protection for other items such as roof leaks, spas, pools, and well pumps. Look for providers with flexible coverage choices, including upgraded plans. This allows you to customize your plan to your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a company with lower service fees to maximize savings on every claim. Some companies also remove deductibles if a customer goes a period of time without filing any claims.
A home warranty company's reputation provides insights into factors such as claim approval rates, contractor expertise, repair speed, and customer satisfaction. Look at review sites like Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to learn more about companies. Positive reviews and ratings suggest a company known for quality service.
Home warranty companies have networks of local professionals to handle repairs in your area. Contact potential providers to find out how many repair professionals they have in Dayton and get an idea for how quickly your repairs could take place in an emergency situation. More extensive networks increase the probability of getting qualified contractors to promptly service your home.
Some home warranty companies may include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These can offer extra value beyond repair coverage. Added bonuses let you enhance your home and get the most from your warranty policy.
Temperatures in Dayton can get quite high in the summer, which means your air conditioner is most likely going to get a decent amount of use. As a homeowner in Dayton, one of the benefits of having a home warranty is that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
A home warranty also can also save you time and energy. Instead of spending hours researching and choosing a contractor to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. Another good thing about having a home warranty is if you want to sell your home, some providers let you transfer your home warranty plan to the new owners. This can make your house more attractive to potential homebuyers and help your home sell faster.
As for the negatives of home warranties, coverage varies by company, so it’s important to understand what each plan covers and doesn’t include in the contract.
Another thing to take into consideration is that some companies don’t cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you aren’t sure or if this is an issue for you.
A home warranty costs, on average, about $300 to $600 a year in Dayton. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover issues with 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 your entire home from natural disasters, which can sometimes be a concern in Dayton. It doesn't cover a typical appliance or system damage.
First-time homebuyers, real estate agents, home sellers, landlords, and homeowners are all eligible for home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
A home warranty plan will cover your home’s appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you want to save some money.
Home warranty plans usually provide coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
Typically, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Dayton, where the median home value is $301,604, having the seller pay for the home warranty can be a good asset for your new home.
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