Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Written By David Cusick
Last Updated June 2024
There are many perks of owning a home, but as your Gainesville home gets older, you may find yourself needing to update or repair your appliances and systems. 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 significantly lower and allow you to live in your home with more peace of mind.
Finding the right protection for your home can be challenging, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Gainesville. 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
Liberty Home Guard is the most trustworthy home warranty for Gainesville residents. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. When you purchase a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000 at the maximum.
For a more detailed breakdown, read our thorough review of Liberty Home Guard. 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 is the best overall home warranty for Gainesville residents. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. When you purchase a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000 at the maximum.
For a more detailed breakdown, read our thorough review of Choice Home Warranty. 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 is the most cost-effective home warranty for Gainesville residents. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. When you purchase a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000 at the maximum.
For a more detailed breakdown, read our thorough review of Select Home Warranty. 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 is the most customizable home warranty for Gainesville residents. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. When you purchase a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500 at the maximum.
For a more detailed breakdown, read our thorough review of American Home Shield. 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 is the best home warranty for appliance coverage for Gainesville residents. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. When you purchase a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500 at the maximum.
For a more detailed breakdown, read our thorough review of First American Home Warranty. 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 is the home warranty with the best workmanship guarantee for Gainesville residents. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. When you purchase a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000 at the maximum.
For a more detailed breakdown, read our thorough review of Cinch Home Services. 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 is the best home warranty with the quickest service for Gainesville residents. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. When you purchase a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000 at the maximum.
For a more detailed breakdown, read our thorough review of The Home Service Club. 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 | $5,870 |
| Heating | $3,913 |
| Electrical | $587 |
| Toilets | $489 |
| Washer/Dryer | $783 |
| Plumbing | $587 |
| Oven | $1,565 |
| Fridge | $587 |
A home warranty is a protection policy that helps Gainesville homeowners reduce the costs of appliance and system repairs. The plans offer coverage to repair or replace appliances and systems that malfunction 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 fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty provides security for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with outdated systems. More modern homes with modern fixtures probably don’t need a home warranty.
Home warranties cover your home's systems and appliances. Typical covered appliances are washers, dryers, microwaves, refrigerators, dishwashers, garbage disposals, and more. Protected systems include electrical, air conditioning, heating, and plumbing. Various home warranty plans offer extra coverage for roof leaks, central vacuums, septic systems, and even locksmiths. It's important for Gainesville 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 resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or improperly using a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Here are some key home warranty words to know before signing a contract:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage varies, although most plans provide coverage for plumbing, electrical, AC, heating, and appliances. More extensive plans may also include extra things such as spas, well pumps, roof leaks, and pools. Focus on companies with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize protection for 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 fees to accumulate quickly with each claim, so you may look for providers advertising more affordable fees to optimize savings on each repair claim. Certain companies may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty company's track record provides insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Positive reviews and ratings indicate a provider known for stellar service.
Home warranty companies maintain networks of local contractors to handle repairs in your area. Reach out to potential providers to ask how many repair technicians they have in Gainesville and get an idea for how fast your repairs might happen in an emergency situation. More extensive networks increase the likelihood of getting qualified contractors to quickly service your home.
Some home warranty providers may include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These extras can offer extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your home warranty.
Home warranty policies are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Gainesville hitting an average high of 76℃F, you may find that some appliances, such as your A.C., get a lot of use. A home warranty can remarkably lower out-of-pocket expenses should your HVAC system stop working.
Plus, having a home warranty can save you time by removing the need to research technicians — most companies will send a trusted professional right to your door to do the necessary repair or replacement. Plus, though it varies by company, some providers will allow you to transfer your warranty if you sell your home. This can make your house more attractive to potential homebuyers and maybe even help your home sell faster.
As for the drawbacks of home warranties, coverage varies by company, so it’s important to read what each plan covers and doesn’t include in the contract.
Plus, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty costs, on average, about $300 to $600 a year in Gainesville. Our high-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 opting for a higher service fee. Additionally, 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 problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of insurance that protects the entire home from natural disasters, which can sometimes be a concern in Gainesville. It doesn't cover a normal appliance or system repairs.
A home warranty can help home sellers, homebuyers, investors, real estate agents, and homeowners. It can provide peace of mind and savings to anyone involved in homeownership.
A home warranty plan can cover your appliances, systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Generally, a home warranty offers coverage for a year and can be renewed annually. Some companies may offer month-to-month options.
Typically, the one who owns the home is responsible for paying for the home warranty. In some cases, though, the person who is selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Gainesville is $202,669, a home warranty can be an added asset when buying a home.
