Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Written By David Cusick
Last Updated June 2024
Homeownership in McAllen comes with lots of perks, but it also comes with its challenges. Your home’s appliances and systems will eventually need repairs, and this could mean a huge expense. A home warranty can give you the peace of mind you need and safeguard your bank account from unexpected expenses by covering your home’s major appliances and systems.
The home warranty market is saturated with many providers — all with different price points — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in McAllen.
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 is the most trustworthy home warranty for McAllen residents. Liberty has more than 6 years of experience in the industry and in that time has built a a skilled network of service technicians nationwide. Liberty has 3 simple plans, making the selection process easy. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. 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. Read more by visiting our full review of Liberty Home Guard.
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 is the best overall home warranty for McAllen residents. Choice has more than 15 years of experience in the industry and in that time has built a a skilled network of service technicians nationwide. Choice has 2 simple plans, making the selection process easy. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. 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. Read more by visiting our full review of Choice Home Warranty.
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 is the most cost-effective home warranty for McAllen residents. Select has more than 11 years of experience in the industry and in that time has built a a skilled network of service technicians nationwide. Select has 3 simple plans, making the selection process easy. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. 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. Read more by visiting our full review of Select Home Warranty.
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 is the most customizable home warranty for McAllen residents. AHS has more than 26 years of experience in the industry and in that time has built a a skilled network of service technicians nationwide. AHS has 3 simple plans, making the selection process easy. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. 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. Read more by visiting our full review of American Home Shield.
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 is the best home warranty for appliance coverage for McAllen residents. First American has more than 39 years of experience in the industry and in that time has built a a skilled network of service technicians nationwide. First American has 2 simple plans, making the selection process easy. If you’re looking for very affordable and comprehensive appliance coverage, First American is the perfect provider for you. Plus, 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 plans from First American Home Warranty are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. 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. Read more by visiting our full review of First American Home Warranty.
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 is the home warranty with the best workmanship guarantee for McAllen residents. Cinch has more than 44 years of experience in the industry and in that time has built a a skilled network of service technicians nationwide. Cinch has 3 simple plans, making the selection process easy. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. 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. Read more by visiting our full review of Cinch Home Services.
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 is the best home warranty with the quickest service for McAllen residents. HSC has more than 15 years of experience in the industry and in that time has built a a skilled network of service technicians nationwide. HSC has 2 simple plans, making the selection process easy. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, HSC is the perfect provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. 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. Read more by visiting our full review of The Home Service Club.
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 | $5,759 |
| Heating | $3,839 |
| Electrical | $576 |
| Toilets | $480 |
| Washer/Dryer | $768 |
| Plumbing | $576 |
| Oven | $1,536 |
| Fridge | $576 |
A home warranty is a protection policy that helps McAllen homeowners lower the high costs of household repairs. These plans offer financial protection to repair or replace appliances and systems that break down from 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 cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives peace of mind 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 homes with functional appliances probably don’t need a home warranty.
Home warranties protect many household systems and appliances. Common covered appliances include dishwashers, refrigerators, dryers, washers, garbage disposals, microwaves, and others. Covered systems include heating, air conditioning, plumbing, and electrical. Various home warranty plans offer additional coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Most home warranty plans require McAllen homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Moreover, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
There are a number of home warranty terms to learn before signing an agreement, including:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage varies, although most plans cover electrical, AC, plumbing, heating, and appliances. More inclusive plans may also include other things such as pools, roof leaks, spas, and well pumps. Look for a company that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty provider's reputation provides insights into factors such as claim approval rates, contractor expertise, repair speed, and customer satisfaction. Check review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about providers. Positive ratings and feedback suggest a company known for quality service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Reach out to potential companies to learn the number of repair professionals they have in McAllen and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks increase the likelihood of getting qualified contractors to quickly service your home.
Certain home warranty companies provide perks such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These bonuses offer extra value beyond repair coverage. Added perks enhance your home and maximize your home warranty.
Home warranties are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in McAllen reaching an average high of 87℃F, you may find that certain appliances, like your air conditioning unit, get a lot of use. A home warranty can significantly lower out-of-pocket costs should your HVAC system stop working.
In addition to saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the pain of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair issues you may come across. A home warranty can also have value in other ways. For example, some policies can be transferred between owners when you sell your home.
One major drawback of a home warranty is not every home system and appliance you care about may be covered. It’s important to research the different policies and opt for 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 needed because of natural disasters. For example, if your house floods, the impacted systems and appliances most likely won’t be covered by the home warranty.
A home warranty in McAllen can cost between $30 and $60 a month. Higher-priced plans tend to have a lower service fee, broader coverage, and higher coverage limits. This cost is often lower if you pay annually instead of monthly. Some companies will also decrease your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover issues related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger plan that protects an entire home from natural disasters, which can be a concern in McAllen. It doesn't cover a typical appliance or system damage.
A home warranty can help homebuyers, homeowners, investors, home sellers, and real estate agents. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty plan can cover your home’s appliances, systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Home warranty plans typically provide coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month plans as well.
Usually, the homeowner is responsible for paying 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 has to pay the service fees. In McAllen, where the median value of a home is $214,634, having the seller pay for the home warranty can be a good asset for your new home.
