Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
As much as you may love homeownership in Midlothian, there's always that concern about whether your appliances and systems are going to need repairs over the next few years. A home warranty in Midlothian 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.
Choosing the best home warranty on the market can be difficult because of the numerous options out there. If you're frustrated with trying to compare them all, keep reading for our guide to the top home warranty providers in Midlothian.
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 Midlothian, Liberty Home Guard offers the most trustworthy home warranty. Liberty has around 6 years of industry experience and in that time has built a a skilled network of service professionals in the country. When you buy a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 home warranty plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
Liberty Home Guard has 3 plans that offer a combination of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage caps come out to about $3,000 per covered system or appliance.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our comprehensive 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
In Midlothian, Choice Home Warranty offers the best overall home warranty. Choice has around 15 years of industry experience and in that time has built a a skilled network of service professionals in the country. When you buy a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 home warranty plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
Choice Home Warranty has 2 plans that offer a combination of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 per covered system or appliance.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our comprehensive 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
In Midlothian, Select Home Warranty offers the most cost-effective home warranty. Select has around 11 years of industry experience and in that time has built a a skilled network of service professionals in the country. When you buy a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options.
Select Home Warranty has 3 plans that offer a combination of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 per covered system or appliance.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our comprehensive 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
In Midlothian, American Home Shield offers the most customizable home warranty. AHS has around 26 years of industry experience and in that time has built a a skilled network of service professionals in the country. When you buy a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
American Home Shield has 3 plans that offer a combination of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 per covered system or appliance.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our comprehensive 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
In Midlothian, First American Home Warranty offers the best home warranty for appliance coverage. First American has around 39 years of industry experience and in that time has built a a skilled network of service professionals in the country. When you buy a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 home warranty plans that First American offers include differing levels of system and appliance coverage, as well as add-on options.
First American Home Warranty has 2 plans that offer a combination of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage caps come out to about $1,500 per covered system or appliance.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read more by visiting our comprehensive 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
In Midlothian, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has around 44 years of industry experience and in that time has built a a skilled network of service professionals in the country. When you buy a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
Cinch Home Services has 3 plans that offer a combination of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 per covered system or appliance.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our comprehensive 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
In Midlothian, The Home Service Club offers the best home warranty with the quickest service. HSC has around 15 years of industry experience and in that time has built a a skilled network of service professionals in the country. When you buy a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 home warranty plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
The Home Service Club has 2 plans that offer a combination of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 per covered system or appliance.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our comprehensive 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 | $6,364 |
| Heating | $4,243 |
| Electrical | $636 |
| Toilets | $530 |
| Washer/Dryer | $849 |
| Plumbing | $636 |
| Oven | $1,697 |
| Fridge | $636 |
A home warranty is a protection policy that assists Midlothian homeowners in lowering the costs of appliance and system repairs. The plans provide coverage to replace or repair appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you submit 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 repair or replacement costs exceed the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps 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 functioning appliances may not require a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include dishwashers, dryers, microwaves, garbage disposals, washers, refrigerators, and more. Included systems are usually electrical, heating, air conditioning, and plumbing. Many home warranty companies offer add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. It's important for Midlothian 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 resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or improperly using a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
When selecting a home warranty provider, there are several key factors to consider:
Home warranties have significant variation in what they include. Basic policies typically provide protection for heating, plumbing, AC, electrical, and appliances, while more comprehensive plans may also cover pools, spas, well pumps, and roof leaks. Look for providers with flexible coverage choices, including upgraded plans. This allows you to tailor protection to your needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out providers advertising lower service fees to optimize savings on each repair claim. Certain companies may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty company's reputation gives insight into things such as contractor quality, approval rates, repair timeliness, and customer service. Check review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Good ratings and feedback indicate a company known for great service.
Home warranty providers have networks of local technicians to handle repairs in your area. Reach out to potential providers to ask how many repair professionals they have in Midlothian and get an idea for how quickly your repairs might happen in an emergency situation. Bigger networks improve the probability of getting qualified contractors to quickly service your home.
Some home warranty companies provide bonuses such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These can add value beyond just repair coverage. Added bonuses maximize the usefulness of your home warranty.
Home warranty policies are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Midlothian hitting an average high of 78℃F, you may find that certain appliances, like your air conditioning system, get a lot of use. A home warranty can significantly lower out-of-pocket costs should your HVAC system break down.
A home warranty also saves you time and energy. Instead of spending hours researching and choosing a repair person to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Plus, 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 help your home sell faster.
There are also some downsides to purchasing a home warranty policy, like the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty.
In addition, if you don’t maintain your home systems or appliances properly, or if they need repairs 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 plan costs, on average, around $300 to $600 a year in Midlothian. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover issues with 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 your entire home from natural disasters, which might not be too much of a concern in Midlothian. It doesn't cover a typical appliance or system repairs.
Homebuyers, landlords, homeowners, home sellers, and real estate agents are all eligible for home warranty plans. A home warranty can help make your property 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 beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Home warranty plans generally last a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
Generally, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Midlothian, where the median home value is $448,303, having the seller pay for the home warranty can be a good asset for your new home.
