Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
With hot summers in Harker Heights, your home systems can experience quite a bit of wear and tear. There’s nothing worse than having your air conditioning go out in the middle of summer. A home warranty in Harker Heights can help reduce 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, as there are so many companies to decide between. That’s why the Today's Homeowner team did the research and made a list of the best home warranty companies in Harker Heights 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
Liberty Home Guard is the most trustworthy home warranty for Harker Heights residents. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit our detailed 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 is the best overall home warranty for Harker Heights residents. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit our detailed 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 is the most cost-effective home warranty for Harker Heights residents. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our detailed 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 is the most customizable home warranty for Harker Heights residents. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our detailed 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 is the best home warranty for appliance coverage for Harker Heights residents. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, 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. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are close to the $1,500 mark for many of the major systems and appliances, and service fees are a reasonable $85.
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 detailed 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 is the home warranty with the best workmanship guarantee for Harker Heights residents. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our detailed 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 is the best home warranty with the quickest service for Harker Heights residents. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
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 detailed 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 | $5,937 |
| Heating | $3,958 |
| Electrical | $594 |
| Toilets | $495 |
| Washer/Dryer | $792 |
| Plumbing | $594 |
| Oven | $1,583 |
| Fridge | $594 |
A home warranty is a protection policy that assists Harker Heights homeowners in lowering the costs of appliance and system repairs. The plans offer coverage to replace or fix appliances and systems that stop working due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the cost of 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 buyers of 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 cover your home's systems and appliances. Typical covered appliances are refrigerators, dryers, microwaves, garbage disposals, dishwashers, washers, and more. Protected systems include plumbing, air conditioning, electrical, and heating. Various home warranty plans offer additional coverage for septic systems, roof leaks, central vacuums, and even locksmiths. Most home warranty plans require Harker Heights homeowners to wait 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 misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Before signing a home warranty contract, you should know key terms like:
There are several key factors to consider when selecting a home warranty provider:
Home warranty coverage varies, although most plans include protection for heating, electrical, AC, plumbing, and appliances. More inclusive plans may also cover other things such as roof leaks, spas, well pumps, and pools. Look for providers with an assortment of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your 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, some homeowners prefer to choose a provider with more affordable fees to maximize savings on every claim. Some companies also do away with deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation provides insights into factors such as claim approval rates, contractor expertise, repair speed, and customer satisfaction. Check review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about companies. Favorable feedback and ratings suggest a company known for quality service.
Home warranty companies use networks of local repair technicians to manage repairs in a given area. Contact potential companies to learn the number of repair specialists they have in Harker Heights and get an idea of how quickly your repairs could be handled in an emergency. Wider networks increase the chance of getting qualified contractors to swiftly service your home.
Certain home warranty providers include extras such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These provide extra value beyond repair coverage. Extra perks enhance your home and help maximize your home warranty.
Since temperatures in Harker Heights can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Buying a home warranty plan can help homeowners save money if one of these systems or appliances stops working all of a sudden.
A home warranty also can also save you time and energy. Instead of spending hours finding and choosing a contractor to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. 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 companies will allow you to transfer your plan to a new owner and give them the same protection you’ve been getting.
One downside of buying a home warranty is that there are often exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it’s important to read through the contracts you’re considering thoroughly to understand what is included and what isn’t.
Another pain point of home warranties is that they don’t cover systems or appliances that haven’t been properly maintained. This can lead to your repair requests being rejected, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, about $300 to $600 a year in Harker Heights. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, 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 plan helps protect against normal wear and tear to home systems and appliances. A homeowners insurance plan protects a home in case of a situation such as a fire or natural disaster. Under a homeowners insurance plan, you will not 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 Harker Heights.
A home warranty plan can help homebuyers, investors, home sellers, homeowners, and real estate agents. It can provide peace of mind to anyone involved in homeownership.
A home warranty policy can cover your home’s systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
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.
In general, the homeowner is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees. In Harker Heights, where the median value of a home is $307,925, having the seller pay for the home warranty can save you some money on your new home.
