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Last Updated: February 25, 2025
Owning a home in Lumberton has many great benefits, but there are some downsides. Hot summers can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty is a way to protect your budget from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
Finding the best home warranty on the market can be challenging because of the many options available. If you're overwhelmed by trying to compare them all, keep reading for our guide to the top home warranty providers in Lumberton.
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 Lumberton residents. Liberty has about 6 years of experience in the home warranty industry and in that time has built a an expansive network of service professionals in the country. 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. The 3 policies that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
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 of the 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 give them a call at 866-451-2281. Read our review of Liberty Home Guard to learn more.
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 Lumberton residents. Choice has about 15 years of experience in the home warranty industry and in that time has built a an expansive network of service professionals in the country. 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. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
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 of the 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 give them a call at 929-400-6164. Read our review of Choice Home Warranty to learn more.
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 Lumberton residents. Select has about 11 years of experience in the home warranty industry and in that time has built a an expansive network of service professionals in the country. 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. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options.
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 of the 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 give them a call at 888-370-3953. Read our review of Select Home Warranty to learn more.
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 Lumberton residents. AHS has about 26 years of experience in the home warranty industry and in that time has built a an expansive network of service professionals in the country. 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. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
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 of the 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 give them a call at 888-365-2839. Read our review of American Home Shield to learn more.
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 Lumberton residents. First American has about 39 years of experience in the home warranty industry and in that time has built a an expansive network of service professionals in the country. 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. The 2 policies that First American offers include differing levels of system and appliance coverage, as well as add-on options.
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 of the 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 give them a call at 833-204-7164. Read our review of First American Home Warranty to learn more.
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 Lumberton residents. Cinch has about 44 years of experience in the home warranty industry and in that time has built a an expansive network of service professionals in the country. 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. The 3 policies that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
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 of the 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 give them a call at 877-589-0505. Read our review of Cinch Home Services to learn more.
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 Lumberton residents. HSC has about 15 years of experience in the home warranty industry and in that time has built a an expansive network of service professionals in the country. 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 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
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 of the 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 give them a call at 800-750-9443. Read our review of The Home Service Club to learn more.
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 | $5,863 |
| Heating | $3,909 |
| Electrical | $586 |
| Toilets | $489 |
| Washer/Dryer | $782 |
| Plumbing | $586 |
| Oven | $1,564 |
| Fridge | $586 |
A home warranty is a protection plan that helps Lumberton homeowners lower the high costs of household repairs. These plans offer financial protection to fix or replace appliances and systems that stop working from normal wear and tear. Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the fix 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 gives homeowners peace of mind by helping avoid high-priced emergency repairs. The coverage is especially helpful for those living in older houses or houses with systems near the end of their life span. However, people with newer homes and working appliances might not need a home warranty.
Home warranties cover many home systems and appliances. Warranties usually cover appliances such as dishwashers, refrigerators, dryers, microwaves, washers, garbage disposals, and more. Covered systems include electrical, heating, air conditioning, and plumbing. Many home warranty providers also offer add-on coverage for locksmiths, septic systems, roof leaks, and central vacuums. Lumberton homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. Additionally, most policies only help pay for repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should know key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty plans vary widely in what they include. Most plans cover heating, plumbing, AC, electrical, and appliances. More comprehensive options also extend protection to other items such as well pumps, pools, 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 home’s needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which gets paid per repair request filed. The costs from multiple fees can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some providers also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty company's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Look at review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about companies. Favorable reviews and ratings suggest a company known for providing quality service.
Home warranty companies maintain networks of contractors to handle covered repairs. Larger networks raise the probability of getting qualified technicians to quickly service your home. Reach out to potential providers and ask how many contractors they have in Lumberton to get a sense of how quickly your repairs could be handled in an emergency.
Home warranty companies might include extras such as maintenance discounts, energy efficiency upgrades, and coverage for smart home devices. These can add value beyond just repair coverage. Added perks help maximize the usefulness of your home warranty.
Lumberton’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty will cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending unexpected money out of pocket.
Not to mention, having a home warranty can save you time by eliminating the need to research contractors — most companies will send a trusted professional right to your door to do the 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 property more attractive to potential homebuyers and help your home sell faster.
As for the disadvantages of home warranties, system and appliance coverage varies by company, so it’s important to review what each plan covers and excludes in the contract.
Another potential 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 claims being denied, so it’s important to carefully follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Lumberton can cost anywhere from $30 to $60 a month. Higher-priced plans usually 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 agree to 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 covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your entire home in case of a situation such as a fire or natural disaster. With a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or oven, unless the damage is due to a natural disaster, which isn't that common in Lumberton.
A home warranty plan can help home sellers, real estate agents, investors, homebuyers, and homeowners. It can offer peace of mind to anyone involved in homeownership.
The different home warranties in Lumberton include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your systems and appliances, such as your washing machine, drier, and heating and cooling systems. An appliance or system plan will cover only the items mentioned in the policy.
Generally, a home warranty policy lasts for a year and can be renewed annually. Some companies may offer month-to-month options.
Usually the person who owns the home is responsible for paying for the home warranty. In some cases, however, the one selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Lumberton is $269,727, a home warranty can save you some money when buying a home.
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