Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Written By David Cusick
Last Updated June 2024
The cost of maintaining a home in El Campo can be costly, particularly as your home ages and your appliances and systems have to be updated. A home warranty in El Campo 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.
Finding the best home warranty on the market can be overwhelming, since there are so many companies to decide between. That’s why our team at Today's Homeowner did the research and compiled a list of the best home warranty companies in El Campo for you.
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 El Campo, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been in business for more than 6 years, making it a respected company in the industry. The 3 plans from Liberty are easily comprehensible and offer both system and appliance coverage. 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 Home Guard offers 3 plans for El Campo homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000.
For more information on this provider, 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 El Campo, Choice Home Warranty offers the best overall home warranty. Choice has been in business for more than 15 years, making it a respected company in the industry. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage. 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 Home Warranty offers 2 plans for El Campo homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000.
For more information on this provider, 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 El Campo, Select Home Warranty offers the most cost-effective home warranty. Select has been in business for more than 11 years, making it a respected company in the industry. The 3 plans from Select are easily comprehensible and offer both system and appliance coverage. 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 Home Warranty offers 3 plans for El Campo homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000.
For more information on this provider, 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 El Campo, American Home Shield offers the most customizable home warranty. AHS has been in business for more than 26 years, making it a respected company in the industry. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage. 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.
American Home Shield offers 3 plans for El Campo homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500.
For more information on this provider, 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 El Campo, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in business for more than 39 years, making it a respected company in the industry. The 2 plans from First American are easily comprehensible and offer both system and appliance coverage. 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 Home Warranty offers 2 plans for El Campo homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also about $1,500.
For more information on this provider, 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 El Campo, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in business for more than 44 years, making it a respected company in the industry. The 3 plans from Cinch are easily comprehensible and offer both system and appliance coverage. 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 Home Services offers 3 plans for El Campo homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000.
For more information on this provider, 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 El Campo, The Home Service Club offers the best home warranty with the quickest service. HSC has been in business for more than 15 years, making it a respected company in the industry. The 2 plans from HSC are easily comprehensible and offer both system and appliance coverage. 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.
The Home Service Club offers 2 plans for El Campo homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000.
For more information on this provider, 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 | $5,793 |
| Heating | $3,862 |
| Electrical | $579 |
| Toilets | $483 |
| Washer/Dryer | $772 |
| Plumbing | $579 |
| Oven | $1,545 |
| Fridge | $579 |
A home warranty is a protection policy that helps El Campo homeowners reduce the expenses of appliance and system repairs. The plans provide coverage to fix or replace 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 finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty plan gives homeowners peace of mind since it can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems 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 cover your household systems and appliances. Covered appliances typically include refrigerators, dryers, garbage disposals, dishwashers, microwaves, washers, and others. Covered systems include heating, electrical, plumbing, and air conditioning. Many home warranty providers also offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Most home warranty plans require El Campo homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Moreover, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misusing 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 know before signing a contract, such as:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans provide coverage for AC, electrical, plumbing, heating, and appliances. More robust coverage options also include protection for other items such as roof leaks, spas, well pumps, and pools. Look for companies with varied coverage options, including upgraded plans. This allows you to customize your plan to your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using providers with lower service fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty provider's reputation gives insight into things such as contractor quality, repair timeliness, approval rates, and customer service. Browse review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Good ratings and feedback indicate a company known for great service.
Home warranty providers have networks of contractors that they use to tackle covered repairs. Wider networks improve the chance of getting qualified contractors to your home swiftly. Contact possible providers to ask how many technicians they have in El Campo to understand how long repairs might take in an urgent situation.
Certain home warranty providers include perks such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These provide extra value beyond repair coverage. Added perks help improve your home and help maximize your home warranty.
El Campo’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty is designed to 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 unexpected money out of pocket.
Not only can a home warranty give you some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a contractor and schedule a repair. A home warranty deals with the research by sending trusted professionals to your door when you need them most. Plus, having a home warranty can make your house more appealing to potential homebuyers should you ever decide to sell in the future. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you’ve been getting.
As for the downsides of home warranties, coverage varies by provider, so it’s important to understand what each policy covers and excludes in the contract.
Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They commonly won’t cover systems or appliances that have stopped working due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty in El Campo can cost between $30 and $60 a month. Higher-priced plans usually have a lower service fee, higher coverage limits, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some providers will also decrease your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects the entire home in case of something such as a fire or natural disaster. Under a homeowners insurance plan, you won't be able to file a claim if you need a new dryer or air conditioner, unless the damage is due to a natural disaster, which is somewhat common in El Campo.
A home warranty plan can help investors, homebuyers, homeowners, real estate agents, and home sellers. It can provide peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in El Campo include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers your home systems and appliances, such as your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the items mentioned in the policy.
Home warranty plans generally last a year. Many providers let you renew your plan each year, and some offer month-to-month options as well.
Typically, the one who owns the home pays for the home warranty. In some cases, however, the home seller may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in El Campo is $191,541, a home warranty can save you some money when buying a home.
