Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
Although homeownership in Murray has a lot of perks — such as the convenience of city life — there are also downsides. One major hassle many homeowners have to deal with at some point is replacing or repairing their home systems and appliances. A home warranty can bring you the peace of mind you need and shield your savings account from large expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be challenging because of the many options available. If you're tired of trying to compare them all, keep reading for our guide on the best home warranty companies in Murray.
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 Murray, Liberty Home Guard offers the most trustworthy home warranty. Liberty has more than 6 years of experience in the home warranty industry and in that time has built a a skilled network of service technicians nationwide. 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. Liberty has 3 plans for you to choose from.
The 3 plans from Liberty Home Guard are 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 per covered appliance or system.
Read our Liberty Home Guard full review to learn more. To receive a free quote from Liberty Home Guard, 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
In Murray, Choice Home Warranty offers the best overall home warranty. Choice has more than 15 years of experience in the home warranty industry and in that time has built a a skilled network of service technicians nationwide. 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. Choice has 2 plans for you to choose from.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered appliance or system.
Read our Choice Home Warranty full review to learn more. To receive a free quote from Choice Home Warranty, 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
In Murray, Select Home Warranty offers the most cost-effective home warranty. Select has more than 11 years of experience in the home warranty industry and in that time has built a a skilled network of service technicians nationwide. 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. Select has 3 plans for you to choose from.
The 3 plans from Select Home Warranty are 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 per covered appliance or system.
Read our Select Home Warranty full review to learn more. To receive a free quote from Select Home Warranty, 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
In Murray, American Home Shield offers the most customizable home warranty. AHS has more than 26 years of experience in the home warranty industry and in that time has built a a skilled network of service technicians nationwide. 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. AHS has 3 plans for you to choose from.
The 3 plans from American Home Shield are 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 per covered appliance or system.
Read our American Home Shield full review to learn more. To receive a free quote from American Home Shield, 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
In Murray, First American Home Warranty offers the best home warranty for appliance coverage. First American has more than 39 years of experience in the home warranty industry and in that time has built a a skilled network of service technicians nationwide. 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. First American has 2 plans for you to choose from.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 per covered appliance or system.
Read our First American Home Warranty full review to learn more. To receive a free quote from First American Home Warranty, 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
In Murray, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has more than 44 years of experience in the home warranty industry and in that time has built a a skilled network of service technicians nationwide. 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. Cinch has 3 plans for you to choose from.
The 3 plans from Cinch Home Services are 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 per covered appliance or system.
Read our Cinch Home Services full review to learn more. To receive a free quote from Cinch Home Services, 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
In Murray, The Home Service Club offers the best home warranty with the quickest service. HSC has more than 15 years of experience in the home warranty industry and in that time has built a a skilled network of service technicians nationwide. 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. HSC has 2 plans for you to choose from.
The 2 plans from The Home Service Club are 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 per covered appliance or system.
Read our The Home Service Club full review to learn more. To receive a free quote from The Home Service Club, 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 | $6,170 |
| Heating | $4,113 |
| Electrical | $617 |
| Toilets | $514 |
| Washer/Dryer | $823 |
| Plumbing | $617 |
| Oven | $1,645 |
| Fridge | $617 |
A home warranty is a protection plan that helps Murray homeowners reduce the costs of appliance and system repairs. The plans provide coverage to fix or replace appliances and systems that malfunction due to normal wear and tear. When something breaks down, you file a claim and pay a service fee. The home warranty provider then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement exceeds the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are particularly useful for older houses or those with aging systems. New homes with up-to-date appliances may not require a home warranty.
Home warranties safeguard both your home systems and appliances. Common appliances covered under a home warranty include dryers, garbage disposals, microwaves, washers, dishwashers, refrigerators, and others. Covered systems include heating, air conditioning, electrical, and plumbing. Many home warranty plans offer additional add-on coverage options for septic systems, locksmiths, central vacuums, and even roof leaks. It's important for Murray homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
There are a number of home warranty terms to learn before signing an agreement, including:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranties differ greatly in the items covered. Basic plans typically provide protection for electrical, heating, plumbing, AC, and appliances, while more comprehensive plans may also cover spas, roof leaks, well pumps, and pools. Focus on providers with wide-ranging coverage selections including upgraded plans. Flexibility like this will help you customize protection for your needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which is paid per service call made. These per-claim charges can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some companies 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. Read through review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about companies. Favorable ratings and feedback suggest a company known for providing quality service.
Home warranty providers have networks of technicians to handle covered repairs. Wider networks improve the likelihood of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in Murray to get a sense of how soon your repairs could happen in an emergency.
Some home warranty companies may include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These can offer extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your warranty policy.
Murray’s cold winters 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, saving you from spending unexpected money out of pocket.
Additionally, having a home warranty can save you time by removing the need to research service technicians — most companies will send a trusted professional right to your door to complete the repair or replacement. Plus, having a home warranty can make your house more attractive to potential homebuyers should you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the protection you’ve been benefiting from.
There are also some drawbacks to buying a home warranty plan, like the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered under a manufacturer's warranty.
Another thing to consider is that some companies don’t cover pre-existing issues and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about this if you aren’t sure or if this is a problem for you.
A home warranty plan costs, on average, around $300 to $600 a year in Murray. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. Additionally, it's typically cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover problems with 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 insurance that protects an entire home from natural disasters, which can sometimes be a concern in Murray. It doesn't cover a typical appliance or system repairs.
A home warranty policy can help home sellers, real estate agents, homebuyers, investors, and homeowners. It can offer peace of mind to anyone involved in homeownership.
The different home warranties in Murray include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover many of your systems and appliances, such as your washing machine, drier, and HVAC. 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 yearly. Some companies may offer month-to-month options.
Usually, 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 when using the policy. In Murray, where the median value of a home is $520,400, having the seller pay for the home warranty can be a good asset for your new home.
