Written By David Cusick
Last Updated February 2024
Buying a home is a big step for many people, but maintaining it can get expensive over time, especially if your home in Victoria is on the older side. A home warranty is a way to protect your bank account 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 warranty for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Victoria. 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
In Victoria, Liberty Home Guard offers the most trustworthy home warranty. Liberty has 3 simple plans, making the selection process quick and 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.
Liberty Home Guard offers 3 plans for Victoria homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 for each covered appliance or system.
For a more detailed breakdown, read our Liberty Home Guard Review. To receive 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
In Victoria, Choice Home Warranty offers the best overall home warranty. Choice has 2 simple plans, making the selection process quick and 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.
Choice Home Warranty offers 2 plans for Victoria homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered appliance or system.
For a more detailed breakdown, read our Choice Home Warranty Review. To receive 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
In Victoria, Select Home Warranty offers the most cost-effective home warranty. Select has 3 simple plans, making the selection process quick and 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.
Select Home Warranty offers 3 plans for Victoria homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to around $2,000 for each covered appliance or system.
For a more detailed breakdown, read our Select Home Warranty Review. To receive 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
In Victoria, American Home Shield offers the most customizable home warranty. AHS has 3 simple plans, making the selection process quick and 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.
American Home Shield offers 3 plans for Victoria homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. 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 appliance or system.
For a more detailed breakdown, read our American Home Shield Review. To receive 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
In Victoria, First American Home Warranty offers the best home warranty for appliance coverage. First American has 2 simple plans, making the selection process quick and 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.
First American Home Warranty offers 2 plans for Victoria homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 for each covered appliance or system.
For a more detailed breakdown, read our First American Home Warranty Review. To receive 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
In Victoria, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has 3 simple plans, making the selection process quick and 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.
Cinch Home Services offers 3 plans for Victoria homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. 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 appliance or system.
For a more detailed breakdown, read our Cinch Home Services Review. To receive 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
In Victoria, The Home Service Club offers the best home warranty with the quickest service. HSC has 2 simple plans, making the selection process quick and 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 Home Service Club offers 2 plans for Victoria homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. 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 appliance or system.
For a more detailed breakdown, read our The Home Service Club Review. To receive 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 | $5,968 |
Heating | $3,979 |
Electrical | $597 |
Toilets | $497 |
Washer/Dryer | $796 |
Plumbing | $597 |
Oven | $1,592 |
Fridge | $597 |
A home warranty is a protection plan that helps cut costs for Victoria homeowners needing appliance and system repairs. These plans provide coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent expensive emergency repairs. Home warranties are the most useful for older construction homes with aging systems. New homes with up-to-date appliances may not require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are microwaves, garbage disposals, dryers, washers, refrigerators, dishwashers, and more. Covered systems are normally electrical, plumbing, air conditioning, and heating. Many home warranty providers offer add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. Most home warranty plans require Victoria homeowners to wait 30 days before they can use the policy to pay for repairs. Additionally, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
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 important things to take into account:
Home warranty coverage differs significantly when it comes to what's covered. Most plans include protection for heating, plumbing, AC, electrical, and appliances. More comprehensive plans also offer coverage on other items such as well pumps, spas, roof leaks, and pools. Look for a company that offers an extensive selection of coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which is paid per claim you submit. The costs from multiple fees can add up. You may decide to look for providers with lower service 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 gives you insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Positive reviews and ratings indicate a provider known for stellar service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. Wider networks improve the probability of getting skilled contractors to your home swiftly. Contact possible providers to learn how many technicians they have in Victoria to understand how long repairs may take in an urgent situation.
Some home warranty providers include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These extras can provide extra value beyond repair coverage. Extra bonuses let you enhance your home and get the most from your warranty policy.
Since temperatures in Victoria can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Buying a home warranty policy can help homeowners save money if one of these systems or appliances breaks down suddenly.
A home warranty also saves you time and energy. Instead of spending hours finding and selecting a technician 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. A home warranty can also provide value in other ways. For example, some policies can be transferred between owners during a home sale.
Home warranties also have some cons. Though it can give you less to worry about since the home warranty sends out a contractor who does the repair for you, some homeowners may not like this, and they may want to choose a contractor themselves. If that’s important to you, some home warranty plans allow you to select a contractor.
Another consideration is that home warranties typically only cover damage from normal wear and tear. They commonly won’t cover systems or appliances that have stopped working due to improper maintenance, natural disasters, animal infestations, etc.
A home warranty policy costs, on average, around $300 to $600 a year in Victoria. Our top-rated home warranty providers' 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. In addition, it's typically less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover problems with home 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 your entire home from natural disasters, which can sometimes be a concern in Victoria. It doesn't cover a normal appliance or system damage.
First-time homebuyers, home sellers, landlords, real estate agents, and homeowners are all eligible for home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
A home warranty plan will cover your home’s 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 a good idea if you're concerned about one more than the other.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some companies may offer month-to-month options.
Typically, the person who owns the home is responsible for paying for the home warranty. In some cases, though, the person who is selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Victoria is $208,846, a home warranty can save you some money when buying a home.