Written By David Cusick
Last Updated April 2024
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 bring down 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 home warranty on the market can be challenging because of the many options available. If you're frustrated with trying to compare them all, keep reading for our guide on the best home warranty providers in Lago Vista.
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 is the most trustworthy home warranty. Liberty has been in the home warranty industry for around 6 years. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that provide a mix of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $75.
Read more by visiting our Liberty Home Guard full review. 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 is the best overall home warranty. Choice has been in the home warranty industry for around 15 years. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a mix of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $85.
Read more by visiting our Choice Home Warranty full review. 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 is the most cost-effective home warranty. Select has been in the home warranty industry for around 11 years. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that provide a mix of system and appliance coverage. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are a reasonable $60.
Read more by visiting our Select Home Warranty full review. 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 is the most customizable home warranty. AHS has been in the home warranty industry for around 26 years. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
Read more by visiting our American Home Shield full review. 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 is the best home warranty for appliance coverage. First American has been in the home warranty industry for around 39 years. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. First American offers very affordable and comprehensive appliance coverage. Plus, 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 has 2 plans that provide a mix of system and appliance coverage. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are a reasonable $85.
Read more by visiting our First American Home Warranty full review. 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 is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for around 44 years. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
Read more by visiting our Cinch Home Services full review. 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 is the best home warranty with the quickest service. HSC has been in the home warranty industry for around 15 years. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, 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 has 2 plans that provide a mix of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
Read more by visiting our The Home Service Club full review. 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 assists Lago Vista homeowners in lowering the costs of appliance and system repairs. The plans provide financial coverage to swap out 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 cost of the repair or replacement goes over the item's coverage limit. A home warranty gives security for homeowners by helping them prevent expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with aging systems. More modern builds with modern fixtures probably don’t need a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include garbage disposals, microwaves, dishwashers, washers, refrigerators, dryers, and more. Included systems are normally heating, air conditioning, electrical, and plumbing. Many home warranty companies provide add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. It's important for Lago Vista homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or improperly using a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
Before signing a home warranty contract, you should learn key terms like:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage varies widely in the items that are included. Most plans provide coverage for electrical, plumbing, heating, AC, and appliances. More robust coverage options also offer coverage on other items such as well pumps, spas, pools, and roof leaks. Look for providers with flexible coverage choices, including upgraded plans. This allows you to tailor protection to your home's needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out providers advertising lower service fees to optimize savings on each repair claim. Certain providers may eliminate deductibles if homeowners don't submit any claims within a set period of time.
A home warranty company's reputation can provide insight into things such as contractor quality, repair timeliness, approval rates, and customer satisfaction. Use review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Good ratings and feedback indicate a provider known for exceptional service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. Bigger networks increase the probability of getting skilled contractors to your home promptly. Contact possible providers to find out how many contractors they have in Lago Vista. This helps you understand how long repairs might take in an urgent situation.
Some home warranty companies include bonuses such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These perks can add value beyond repair coverage. Extra bonuses help maximize the usefulness of the home warranty.
Home warranties are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Lago Vista hitting an average high of 80℃F, you may find that some appliances, like your A.C., get a lot of use. A home warranty can remarkably lower out-of-pocket expenses should your HVAC system stop working.
In addition, having a home warranty can save you some time by getting rid of the need to research service technicians — most companies will send a trusted professional right to your door to carry out the necessary repair or replacement. Additionally, 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.
One major drawback of a home warranty is not every home system and appliance may be covered. It’s important to weigh the different plans and purchase one that covers all the appliances, systems, and add-ons you need.
Another drawback is that home warranties may not include some repairs, such as those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the impacted systems and appliances most likely won’t be covered by the home warranty.
A home warranty policy costs, on average, around $300 to $600 a year in Lago Vista. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by opting for a higher service fee. In addition, it's typically less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects the entire home in a situation such as a natural disaster or fire. With a homeowners insurance plan, you won't be able to file a claim should you need a new washing machine or dishwasher, unless the damage is due to a natural disaster, which can be a threat in Lago Vista.
A home warranty can help investors, real estate agents, homebuyers, homeowners, and home sellers. It can offer peace of mind and savings to anyone involved with homeownership.
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 many of your home systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items listed in the plan.
Home warranty plans generally offer coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
Usually, 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 given to the new homeowner, who will pay the service fees when using the policy. In Lago Vista, where the median home value is $432,059, having the seller pay for the home warranty can be a good asset for your new home.