Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Make the most of your home warranty with the best home warranty companies in Murray. Buying a home is a big step for many, but maintaining it can be costly over time as your Murray home ages.
A home warranty is a way to protect your savings from unexpected large expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind. Finding the best home warranty plan for your Murray home can be time-consuming, so our team at Today's Homeowner did the research to help you find the best plan that will work for your home. Keep reading for our home warranty recommendations.
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 is the best overall home warranty. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage. 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 Home Warranty has 2 plans that provide a mix of system and appliance coverage. Choice's service fees are an affordable $85, and the coverage limits come out to around $3,000 for each covered appliance or system.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For more information on this provider, read our 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 Murray residents. The 3 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a home warranty 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are around the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
For a more detailed breakdown, read our full review of Select Home Warranty. To receive 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 Murray. AHS is a home warranty company with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 plans from AHS are comprehensive and have a mix of both system and appliance coverage. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also 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 provider. Service fees are customizable and range from $75 to $125.
Read our thorough review of American Home Shield to learn more. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Murray residents. HSC has been in business for around 15 years, making it a respected company in the industry. The 2 plans from HSC are comprehensive and offer both system and appliance coverage. When you buy a home warranty 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are around the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting our comprehensive review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty for Murray residents. 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 simple plans, making the selection process and policy coverage easily understandable.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000 at the maximum.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read our detailed review of Liberty Home Guard to learn more.
Appliance Guard
Systems Guard
Total Home Guard
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 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 home warranty 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 simple plans, making the selection process quick and easy.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is less than other providers in the Murray area.
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 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 offers the home warranty with the best workmanship guarantee for Murray residents. Cinch has around 44 years of experience in the home warranty industry and in that time has built a an network of service technicians nationwide. The 3 plans from Cinch are easy to understand and have a mix of both system and appliance coverage. 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 Home Services has 3 plans that offer a combination of appliance and system coverage. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Murray area.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read our review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home 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 service contract that helps homeowners account for the high costs of appliance and systems repairs. Home warranties will provide coverage for a number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty is one thing that can make it easier to budget and manage your finances. A home warranty plan usually has a 30-day waiting period from the time you pay to when you can start using it.
When you have an issue with one of your appliances or systems, you can file a claim with your home warranty company. Then, a customer service representative will contact you about a repair technician coming over to take a look at the issue.
At this point, you'll also have to pay your service fee. Once the repair person fixes the issue, they will take care of it at no cost to you. The only time you may have to pay out-of-pocket costs is if the repair or replacement is over the item's coverage cap.
Home warranty plans help protect both your home systems and appliances. A home warranty can cover repair and replacement-related costs that are a result of normal wear. The appliances include a clothes dryer, microwave, refrigerator, cooktop, stove, clothes washer, dishwasher, and more. The systems included are the electrical, plumbing, heating, air conditioning, and others.
Add-on options can vary by company but often include things like a central vacuum, second refrigerator, septic system, sprinkler system, and plumbing stoppages.
An important thing to note is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things like misuse, pre-existing conditions, lack of maintenance, and cosmetic damages are excluded from the home 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 can help cover your home's appliances and systems if 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.
In addition to saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle of trying to find a qualified technician to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair issues you may experience.
As for the disadvantages of home warranties, home system and appliance coverage varies by company, so it's important to review what each plan covers and doesn't include in the contract.
Another consideration is that home warranties usually only cover malfunctions due to normal wear and tear. They most likely won't cover home systems or appliances that need repairs or replacements due to animal infestations, improper maintenance, natural disasters, etc.
After researching home warranties in Murray, your next step is to decide which company you're interested in getting a free quote from. Before deciding which home warranty to buy, here are a few other factors to consider:
The best home warranty provider in Murray is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced technicians and a respected reputation in the Murray area.
The most common types of home warranties in Murray are plans that cover either appliances or systems and a combination plan. A combination plan will cover your systems and appliances, including your refrigerator, washing machine, and heating and cooling systems. An appliance or systems only plan will cover the systems or appliances mentioned in the contract.
A home warranty policy can protect you from expensive repair bills, but only if you choose a good plan from a reputable company. When deciding which home warranty company to purchase a plan from, you should evaluate things like its customer service and availability in your area. In addition, you should look at the kind of coverage the company offers and what kinds of appliances and systems are protected. Homes that have appliances and systems on the older end may need a policy with more coverage.
Generally a home warranty plan lasts for a year and you can renew it yearly. In Murray where many rely on heating and A.C., renewing your policy could help protect you from large expenses if your HVAC system needs repairs.
Most home warranty plans are going to cover replacement costs as well as repair costs. How much the coverage cap is varies from one plan to the next. Home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A home warranty plan can cost on average about $300 to $800 a year in Murray. Our high-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. In addition, it's typically less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. The key is to compare plans to determine what you're really getting for the price.
Typically, coverage for a home warranty plan begins 30 days after the payment receipt. However, a few companies may let you file a claim before this, so check with customer service to find the exact waiting period for your case.
