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Last Updated: February 25, 2025
Owning a home can have many benefits, but it can also come with some downsides like maintenance. The older your house’s appliances and systems are, the more likely it is that you'll benefit from a home warranty. A home warranty in Lago Vista can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
Finding the best warranty for your home can be difficult, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Lago Vista. Read on for our top provider 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
In Lago Vista, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been in the home warranty business for over 6 years. Liberty has 3 plans for homeowners to choose from. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Lago Vista homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
Read our Liberty Home Guard full review to learn more. 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 Lago Vista, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty business for over 15 years. Choice has 2 plans for homeowners to choose from. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Lago Vista homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
Read our Choice Home Warranty full review to learn more. 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 Lago Vista, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty business for over 11 years. Select has 3 plans for homeowners to choose from. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also 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 Lago Vista homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Select’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
Read our Select Home Warranty full review to learn more. 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 Lago Vista, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty business for over 26 years. AHS has 3 plans for homeowners to choose from. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Lago Vista homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
Read our American Home Shield full review to learn more. 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 Lago Vista, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in the home warranty business for over 39 years. First American has 2 plans for homeowners to choose from. First American has established itself as a company with very affordable and comprehensive appliance coverage. It 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.
First American Home Warranty offers 2 plans for Lago Vista homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with First American’s plans are close to the $1,500 mark for most major systems and appliances, and service fees are a reasonable $85.
Read our First American Home Warranty full review to learn more. 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 Lago Vista, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for over 44 years. Cinch has 3 plans for homeowners to choose from. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Lago Vista homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
Read our Cinch Home Services full review to learn more. 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 Lago Vista, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty business for over 15 years. HSC has 2 plans for homeowners to choose from. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also 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 Lago Vista homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
Read our The Home Service Club full review to learn more. 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 | $6,087 |
| Heating | $4,058 |
| Electrical | $609 |
| Toilets | $507 |
| Washer/Dryer | $812 |
| Plumbing | $609 |
| Oven | $1,623 |
| Fridge | $609 |
A home warranty is a protection plan that helps lower expenses for Lago Vista homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out appliances and systems that stop working due to normal wear and tear. Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over 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 systems near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties cover many home systems and appliances. Warranties usually cover appliances such as microwaves, dryers, refrigerators, garbage disposals, washers, dishwashers, and more. Covered systems include plumbing, heating, electrical, and air conditioning. Many home warranty providers also offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Most home warranty plans require Lago Vista homeowners to wait 30 days before the plan will cover repairs. Additionally, policies usually only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Before signing a home warranty contract, you should learn key terms like:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty policies differ significantly in terms of coverage. Most plans cover AC, heating, plumbing, electrical, and appliances. More comprehensive options also include coverage for other items such as spas, well pumps, pools, and roof leaks. Look for companies 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. As this charge applies to every separate claim, you may want to choose a company with lower service fees to maximize savings on every claim. Some providers also do away with deductibles for homeowners who don't file claims in a certain period.
A home warranty company's track record gives insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Complimentary ratings and reviews indicate a company known for stellar service.
Home warranty businesses keep networks of local contractors to handle repairs in your area. Contact potential providers to find out how many repair professionals they have in Lago Vista and get an idea for how quickly your repairs might happen in an emergency situation. Bigger networks raise the probability of getting qualified contractors to quickly service your home.
Some home warranty companies include bonuses such as energy efficiency upgrades, smart home device protection, and maintenance discounts. These can add value beyond just repair coverage. Extra bonuses help maximize the usefulness of your home warranty.
Temperatures in Lago Vista can get quite high in the summer, which means your air conditioner is likely to get a lot of use. As a homeowner in Lago Vista, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
Not only can a home warranty provide some savings, 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 takes care of this process by sending trusted professionals to your door when you need them most. Additionally, having a home warranty can help make your house more attractive to potential homebuyers should you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the protection you’ve been receiving.
Home warranties also have some drawbacks. Although it can give you less to worry about since the home warranty sends out a service technician who takes care of the repair for you, some homeowners may not like this, and they may want to select their own contractor. If that’s the case for you, some home warranty plans allow you to select a contractor.
Another consideration is that home warranties typically only cover repairs needed due to normal wear and tear. They often won’t cover home systems or appliances that need repairs or replacements due to animal infestations, improper maintenance, natural disasters, etc.
A home warranty in Lago Vista can cost between $30 and $60 a month. Higher-priced plans usually have broader coverage, higher coverage limits, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some providers will also decrease your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover problems related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of plan that protects an entire home from natural disasters, which can be a concern in Lago Vista. It doesn't cover a normal appliance or system repairs.
First-time homebuyers, home sellers, real estate agents, homeowners, and landlords are all eligible for home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
The different home warranties in Lago Vista include plans that cover either appliances or systems as well as combination plans. A combination plan will cover almost all your systems and appliances, including your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the items listed in the contract.
Home warranty plans usually last a year. Many companies let you renew your plan yearly, and some offer month-to-month plans 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. In Lago Vista, where the median home value is $432,059, having the seller pay for the home warranty can save you some money on your new home.
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