Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in La Homa can be costly, particularly as your home ages and your systems and appliances need to be updated or repaired. A home warranty in La Homa can help lower 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.
Finding the best home warranty on the market can be challenging, since there are lots of companies to decide between. That’s why the Today's Homeowner team did the research and compiled a list of the top home warranty companies in La Homa 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 offers the most trustworthy home warranty for La Homa residents. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. With a home warranty from Liberty, you can benefit from 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 plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For a more detailed breakdown, read our Liberty Home Guard Review.
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 La Homa residents. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. With a home warranty from Choice, you can benefit from 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 plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty Review.
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 La Homa residents. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. With a home warranty from Select, you can benefit from 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 plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are around the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For a more detailed breakdown, read our Select Home Warranty Review.
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 La Homa residents. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. With a home warranty from AHS, you can benefit from 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 plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. For a more detailed breakdown, read our American Home Shield Review.
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 La Homa residents. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. With a home warranty from First American, you can benefit from 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are around the $1,500 mark for most major systems and appliances, and service fees are a reasonable $85.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. For a more detailed breakdown, read our First American Home Warranty Review.
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 La Homa residents. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. With a home warranty from Cinch, you can benefit from 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 plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read our Cinch Home Services Review.
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 La Homa residents. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. With a home warranty from HSC, you can benefit from 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For a more detailed breakdown, read our The Home Service Club Review.
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 | $5,664 |
| Heating | $3,776 |
| Electrical | $566 |
| Toilets | $472 |
| Washer/Dryer | $755 |
| Plumbing | $566 |
| Oven | $1,510 |
| Fridge | $566 |
A home warranty is a protection policy that helps lower expenses for La Homa homeowners needing appliance and system repairs. These plans provide financial coverage to fix or replace appliances and systems that break due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid expensive emergency repairs. The coverage is particularly helpful for buyers of older houses or houses with systems near the end of their life span. However, people with newer homes and modern appliances might not require a home warranty.
Home warranties cover your home systems and appliances. Warranties usually cover appliances such as microwaves, refrigerators, garbage disposals, dishwashers, washers, dryers, and more. Covered systems include plumbing, heating, air conditioning, and electrical. Many home warranty companies also offer add-on coverage for septic systems, central vacuums, roof leaks, and locksmiths. It's important for La Homa homeowners to know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, natural disasters, pre-existing conditions, or improper use of a system or appliance. You need to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by your policy.
Here are some key home warranty words to learn before signing a contract:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranties differ greatly in the items covered. Basic plans typically include plumbing, heating, electrical, AC, and appliances, while more comprehensive options may also cover pools, well pumps, spas, and roof leaks. Look for providers with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for 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 companies with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles after periods where a customer files no claims.
A home warranty company's reputation provides insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Positive ratings and reviews indicate a company known for stellar service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Reach out to potential businesses to ask how many repair professionals they have in La Homa and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks improve the likelihood of getting qualified contractors to swiftly service your home.
Some home warranty companies include perks such as reduced maintenance fees, smart home device coverage, and energy efficiency upgrades. These can provide extra value beyond just repair coverage. Added bonuses allow you to enhance your home and get the most from your home warranty.
Temperatures in La Homa can get quite high in the summer, which means your air conditioner is likely to get a good bit of use. As a homeowner in La Homa, 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.
In addition, having a home warranty can save you some time by getting rid of the need to research service technicians — most providers will send a trusted professional right to your door to carry out the necessary repair or replacement. In addition, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your home more attractive to potential homebuyers and maybe even help your home sell faster.
There are also some negatives to purchasing a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered under a manufacturer's warranty.
Another pain point of home warranties is that they don’t cover items that haven’t been properly maintained. This can lead to your claims being rejected, so it’s important to be 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 La Homa. 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 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 plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in case of something such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim should you need a new dryer or stove, unless the damage is a result of a natural disaster, which can be a threat in La Homa.
First-time homebuyers, landlords, real estate agents, home sellers, 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.
The different types of home warranties in La Homa include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover your systems and appliances, including your dishwasher, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the items mentioned in the contract.
Home warranty plans typically last a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Typically, the homeowner is responsible for paying for the home warranty. In some cases, however, the one selling the home may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in La Homa is $142,363, a home warranty can be an added asset when buying a home.
