Written By David Cusick
Last Updated April 2024
Taylor offers homeowners some great housing options. However, unplanned repair and replacement costs on your home’s systems and appliances can get quite expensive. A home warranty policy can help protect homeowners by cutting the costs of major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be time-consuming, since there are so many companies to decide between. That’s why the Today's Homeowner team did the research and compiled a list of the best home warranty companies in Taylor for you.
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 Taylor. Liberty is a home warranty provider with 6 years of experience in the industry, and it has become one of the best providers in the business. When you buy a plan 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. Liberty has 3 plans for homeowners to choose from.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 for each covered system or appliance.
For a more detailed breakdown, read our detailed review of Liberty Home Guard. To get a free quote from Liberty Home Guard, you can 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
Choice Home Warranty offers the best overall home warranty in Taylor. Choice is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. When you buy a plan 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. Choice has 2 plans for homeowners to choose from.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered system or appliance.
For a more detailed breakdown, read our detailed review of Choice Home Warranty. To get a free quote from Choice Home Warranty, you can 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
Select Home Warranty offers the most cost-effective home warranty in Taylor. Select is a home warranty provider with 11 years of experience in the industry, and it has become one of the best providers in the business. When you buy a plan 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. Select has 3 plans for homeowners to choose from.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage caps come out to around $2,000 for each covered system or appliance.
For a more detailed breakdown, read our detailed review of Select Home Warranty. To get a free quote from Select Home Warranty, you can 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
American Home Shield offers the most customizable home warranty in Taylor. AHS is a home warranty provider with 26 years of experience in the industry, and it has become one of the best providers in the business. When you buy a plan 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. AHS has 3 plans for homeowners to choose from.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 for each covered system or appliance.
For a more detailed breakdown, read our detailed review of American Home Shield. To get a free quote from American Home Shield, you can 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
First American Home Warranty offers the best home warranty for appliance coverage in Taylor. First American is a home warranty provider with 39 years of experience in the industry, and it has become one of the best providers in the business. When you buy a plan 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. First American has 2 plans for homeowners to choose from.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 for each covered system or appliance.
For a more detailed breakdown, read our detailed review of First American Home Warranty. To get a free quote from First American Home Warranty, you can 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Taylor. Cinch is a home warranty provider with 44 years of experience in the industry, and it has become one of the best providers in the business. When you buy a plan 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. Cinch has 3 plans for homeowners to choose from.
There are 3 home warranty plans from Cinch Home Services: 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 caps come out to around $1,000-$2,000 for each covered system or appliance.
For a more detailed breakdown, read our detailed review of Cinch Home Services. To get a free quote from Cinch Home Services, you can 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
The Home Service Club offers the best home warranty with the quickest service in Taylor. HSC is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. When you buy a plan 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. HSC has 2 plans for homeowners to choose from.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 for each covered system or appliance.
For a more detailed breakdown, read our detailed review of The Home Service Club. To get a free quote from The Home Service Club, you can 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 | $6,265 |
Heating | $4,177 |
Electrical | $627 |
Toilets | $522 |
Washer/Dryer | $835 |
Plumbing | $627 |
Oven | $1,671 |
Fridge | $627 |
A home warranty is a protection policy that helps Taylor homeowners in reducing the expenses of appliance and system repairs. The plans offer financial coverage to replace or repair appliances and systems that break down due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid high-priced emergency repairs. The coverage is particularly helpful for buyers of older houses or houses with systems near the end of their life span. However, people with newer homes and functioning appliances may not need a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include garbage disposals, microwaves, dryers, refrigerators, washers, dishwashers, and more. Covered systems are typically electrical, air conditioning, heating, and plumbing. Many home warranty providers offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Taylor homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only address repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. Remember to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should understand key terms like:
There are several important considerations when choosing a home warranty provider:
Home warranty plans 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 roof leaks, well pumps, pools, and spas. Look for providers with an array of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a company with more affordable fees to maximize savings. Some providers also remove deductibles if a customer goes a period of time without filing any claims.
A home warranty provider's reputation provides insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Look at review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about providers. Good feedback and ratings suggest a company known for delivering quality service.
Home warranty providers have networks of professionals that they use to tackle covered repairs. Wider networks improve the likelihood of getting qualified contractors to your home promptly. Reach out to possible providers to ask how many repair professionals they have in Taylor. This helps you understand how long repairs may take in an urgent situation.
Home warranty companies often offer perks such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These add value beyond repair coverage. Additional perks can maximize the usefulness of the home warranty.
Taylor’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the needed repairs, preventing you from spending unexpected money out of pocket.
Not to mention, having a home warranty can save you time by getting rid of the need to research repair people — most providers will send a trusted professional right to your door to carry out the repair or replacement. Another benefit of having a home warranty is when you’re selling your home, some providers let you transfer your home warranty plan to the new owners. It can make your house more attractive to potential homebuyers and help your house sell faster.
One downside of signing up for a home warranty is that there are generally exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it’s important to read through the contracts you’re considering thoroughly to get a sense of what is included and what isn’t.
Another drawback is that home warranties may exclude some repairs, such as those needed because of natural disasters. For example, if your house floods, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty costs, on average, around $300 to $600 a year in Taylor. Our high-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 kinds of damage they cover. Home warranty plans cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects your entire home from natural disasters, which can sometimes be a concern in Taylor. It doesn't cover a typical appliance or system repairs.
A home warranty plan can help homeowners, investors, real estate agents, home sellers, and homebuyers. It can offer peace of mind to anyone involved with homeownership.
A home warranty policy can cover your home’s appliances, systems, or both. Combination plans are great 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.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month plans.
Typically, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Taylor, where the median home value is $310,195, having the seller pay for the home warranty can be a good asset for your new home.