Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a home in Fort Hood has many great advantages, but there are some downsides. Hot summers can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty in Fort Hood can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that stop working due to normal wear and tear.
Choosing the best home warranty on the market can be difficult because of the sheer number of options out there. If you're frustrated with trying to compare them all, keep reading for our guide on the best home warranty providers in Fort Hood.
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 Fort Hood residents. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the plan for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process easy.
Liberty Home Guard has 3 plans that offer a mix of appliance and system coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Fort Hood area.
To read more, visit our Liberty Home Guard Review. To get a free quote from Liberty Home Guard, you can 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
Choice Home Warranty offers the best overall home warranty for Fort Hood residents. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the plan for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process easy.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Fort Hood area.
To read more, visit our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, you can 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
Select Home Warranty offers the most cost-effective home warranty for Fort Hood residents. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the plan for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process easy.
Select Home Warranty has 3 plans that offer a mix of appliance and system coverage. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the Fort Hood area.
To read more, visit our Select Home Warranty Review. To get a free quote from Select Home Warranty, you can 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
American Home Shield offers the most customizable home warranty for Fort Hood residents. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the plan for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process easy.
American Home Shield has 3 plans that offer a mix of appliance and system coverage. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Fort Hood area.
To read more, visit our American Home Shield Review. To get a free quote from American Home Shield, you can 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
First American Home Warranty offers the best home warranty for appliance coverage for Fort Hood residents. If you’re looking for very affordable and comprehensive appliance coverage, this is the plan for you. 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 has 2 simple plans, making the selection process easy.
First American Home Warranty has 2 plans that offer a mix of appliance and system coverage. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is less than other providers in the Fort Hood area.
To read more, visit our First American Home Warranty Review. To get a free quote from First American Home Warranty, you can 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Fort Hood residents. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the plan for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process easy.
Cinch Home Services has 3 plans that offer a mix of appliance and system coverage. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Fort Hood area.
To read more, visit our Cinch Home Services Review. To get a free quote from Cinch Home Services, you can 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
The Home Service Club offers the best home warranty with the quickest service for Fort Hood 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, this is the plan for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process easy.
The Home Service Club has 2 plans that offer a mix of appliance and system coverage. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Fort Hood area.
To read more, visit our The Home Service Club Review. To get a free quote from The Home Service Club, you can 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 | $5,992 |
| Heating | $3,994 |
| Electrical | $599 |
| Toilets | $499 |
| Washer/Dryer | $799 |
| Plumbing | $599 |
| Oven | $1,598 |
| Fridge | $599 |
A home warranty is a protection policy that assists Fort Hood homeowners in reducing the expenses of appliance and system repairs. The plans provide coverage to replace or fix appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit 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 exceed the item's coverage limit. A home warranty policy 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 appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties safeguard both your home systems and appliances. Common appliances covered under a home warranty include washers, refrigerators, microwaves, garbage disposals, dishwashers, dryers, and more. Covered systems include electrical, plumbing, air conditioning, and heating. Many home warranty plans also offer add-on coverage options for septic systems, central vacuums, locksmiths, and even roof leaks. It's important for Fort Hood homeowners to understand most home warranty plans have a waiting period of 30 days before repair claims will be approved. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or improperly using a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to know before signing, such as:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage varies, although most plans cover electrical, heating, plumbing, AC, and appliances. More inclusive plans may also provide protection for additional items such as spas, roof leaks, well pumps, and pools. Look for companies with an array of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which gets paid per repair request filed. These per-claim charges can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty provider's reputation can offer insight into things such as contractor quality, speed of repairs, approval rates for claims, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Good ratings and reviews indicate that a provider is known for top-tier service.
Home warranty providers maintain networks of contractors to handle covered repairs. Bigger networks increase the probability of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Fort Hood to get a sense of how soon your repairs could happen in an emergency.
Home warranty providers often offer perks such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These add value beyond basic repair coverage. Added perks maximize the usefulness of the home warranty.
Temperatures in Fort Hood can get quite high in the summer, which means your air conditioner is most likely going to get a lot of use. As a homeowner in Fort Hood, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of vetting technicians by yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. Another benefit of having a home warranty is if you want to sell your home, some providers let you transfer your home warranty policy to the new owners. This can make your home more attractive to potential homebuyers and may help your house sell faster.
There are also some downsides to buying a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Another downside is that home warranties may exclude some repairs, like those needed because of natural disasters. For example, if your house floods, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty costs, on average, about $300 to $600 a year in Fort Hood. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by choosing a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty protects against normal wear and tear to home systems and appliances. A homeowners insurance plan protects the entire home in a situation such as a fire or natural disaster. Under homeowners insurance, you won't be able to file a claim should you need a new washing machine or dishwasher, unless the damage is a result of a natural disaster, which is somewhat common in Fort Hood.
A home warranty can help home sellers, investors, real estate agents, homebuyers, and homeowners. It can provide peace of mind and savings to anyone involved in homeownership.
The different home warranties in Fort Hood include plans that cover either appliances or systems as well as combination plans. A combination plan will cover many of your home systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items mentioned in the contract.
Home warranty plans typically offer 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, if you have just bought 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 when using the policy. In Fort Hood, where the median value of a home is $282,188, having the seller pay for the home warranty can save you some money on your new home.
