Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Little Elm gives homeowners some great neighborhoods and the opportunity to enjoy bright warm summers. However, scorching temperatures can put quite a strain on your home’s systems, such as your HVAC. A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Finding the best protection for your home can be difficult, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Little Elm. 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 offers the most trustworthy home warranty in Little Elm. Liberty is a home warranty provider with 6 years of experience in the industry, and it has proved to be one of the best providers in the business. 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 3 policies that Liberty offers include options for appliance and system coverage.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to around $3,000 per covered system or appliance.
For a more detailed breakdown, read our Liberty Home Guard full review. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 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 offers the best overall home warranty in Little Elm. Choice is a home warranty provider with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. 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 2 policies that Choice offers include options for appliance and system coverage.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 per covered system or appliance.
For a more detailed breakdown, read our Choice Home Warranty full review. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 offers the most cost-effective home warranty in Little Elm. Select is a home warranty provider with 11 years of experience in the industry, and it has proved to be one of the best providers in the business. 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 3 policies that Select offers include options for appliance and system coverage.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage limits come out to around $2,000 per covered system or appliance.
For a more detailed breakdown, read our Select Home Warranty full review. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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 offers the most customizable home warranty in Little Elm. AHS is a home warranty provider with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. 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 3 policies that AHS offers include options for appliance and system coverage.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 per covered system or appliance.
For a more detailed breakdown, read our American Home Shield full review. To get a free quote from American Home Shield, fill out this online form or give them a call at 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 offers the best home warranty for appliance coverage in Little Elm. First American is a home warranty provider with 39 years of experience in the industry, and it has proved to be one of the best providers in the business. 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 2 policies that First American offers include options for appliance and system coverage.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage limits come out to around $1,500 per covered system or appliance.
For a more detailed breakdown, read our First American Home Warranty full review. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 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 offers the home warranty with the best workmanship guarantee in Little Elm. Cinch is a home warranty provider with 44 years of experience in the industry, and it has proved to be one of the best providers in the business. 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 3 policies that Cinch offers include options for appliance and system coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 per covered system or appliance.
For a more detailed breakdown, read our Cinch Home Services full review. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 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 offers the best home warranty with the quickest service in Little Elm. HSC is a home warranty provider with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. 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 2 policies that HSC offers include options for appliance and system coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 per covered system or appliance.
For a more detailed breakdown, read our The Home Service Club full review. To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,702 |
| Heating | $4,468 |
| Electrical | $670 |
| Toilets | $559 |
| Washer/Dryer | $894 |
| Plumbing | $670 |
| Oven | $1,787 |
| Fridge | $670 |
A home warranty is a protection plan that helps Little Elm homeowners in reducing the costs of appliance and system repairs. The plans offer coverage to replace or repair appliances and systems that break down due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then finds 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 delivers security for homeowners by helping them prevent expensive emergency repairs. They're particularly useful for those who live in older homes or ones with outdated systems. More modern homes with functional appliances probably don’t need a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include garbage disposals, refrigerators, dishwashers, microwaves, dryers, washers, and more. Included systems are normally plumbing, air conditioning, heating, and electrical. Many home warranty providers offer add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. It's important for Little Elm 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 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.
Here are some essential home warranty words to learn before signing a contract:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty policies differ significantly in terms of coverage. Most plans provide protection for AC, heating, plumbing, electrical, and appliances. More inclusive options also include coverage for other items such as well pumps, spas, pools, and roof leaks. Look for companies with flexible coverage choices, including upgraded plans. This allows you to tailor protection to your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for providers advertising lower service fees to optimize savings on each repair claim. Certain providers may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's reputation can provide insight into things such as repair timeliness, approval rates, contractor quality, and customer service. Browse review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Positive ratings and feedback indicate a provider known for great service.
Home warranty providers have networks of professionals to handle covered repairs. Wider networks raise the probability of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Little Elm to get a sense of how soon your repairs could happen in an emergency.
Home warranty companies might include perks such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These extras add value beyond just repair coverage. Additional perks can maximize the usefulness of your home warranty.
Temperatures in Little Elm can get quite high in the summer, which means your air conditioner is likely to get a lot of use. As a homeowner in Little Elm, 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 financial relief, 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 deals with this process by sending trusted professionals to your door when you need them most. In addition, though home warranty companies vary, some providers will let you transfer your warranty in the event that you sell your home. This can make your property more attractive to potential homebuyers and maybe even help your home sell faster.
As for the disadvantages of home warranties, coverage varies by provider, so it’s important to understand what each plan covers and excludes in the contract.
Additionally, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements 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 in Little Elm can cost between $30 and $60 a month. The higher-priced plans typically have broader coverage, a lower service fee, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also reduce your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan 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. Under a homeowners insurance plan, you will not be able to file a claim should you need a new dryer or oven, unless the damage is a result of a natural disaster, which is somewhat common in Little Elm.
First-time homebuyers, home sellers, landlords, real estate agents, and homeowners can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
A home warranty plan will cover your systems, appliances, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Home warranty plans typically offer coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month options as well.
In general, 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 Little Elm, where the median home value is $433,609, having the seller pay for the home warranty can be a good asset for your new home.
