Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
There are lots of advantages of owning a home, but as your North Ogden home gets older, you may find yourself needing to update or repair your systems and appliances. A home warranty is a way to protect your bank account from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
The home warranty market is saturated with a variety of providers — all with different plans — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in North Ogden.
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 North Ogden, Liberty Home Guard is the most trustworthy home warranty. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for North Ogden homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are an affordable $75.
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 North Ogden, Choice Home Warranty is the best overall home warranty. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for North Ogden homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are an affordable $85.
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 North Ogden, Select Home Warranty is the most cost-effective home warranty. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also 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 North Ogden homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $60.
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 North Ogden, American Home Shield is the most customizable home warranty. The home warranty company offers 3 plans to policyholders that have various options for appliance and system 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.
American Home Shield offers 3 plans for North Ogden homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $75 to $125.
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 North Ogden, First American Home Warranty is the best home warranty for appliance coverage. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. First American offers very affordable and comprehensive appliance coverage. Plus, 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 Home Warranty offers 2 plans for North Ogden homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $85.
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 North Ogden, Cinch Home Services is the home warranty with the best workmanship guarantee. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for North Ogden homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
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 North Ogden, The Home Service Club is the best home warranty with the quickest service. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also 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 North Ogden homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $65 to $90.
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 | $6,029 |
| Heating | $4,019 |
| Electrical | $603 |
| Toilets | $502 |
| Washer/Dryer | $804 |
| Plumbing | $603 |
| Oven | $1,608 |
| Fridge | $603 |
A home warranty is a protection policy that helps cut costs for North Ogden homeowners needing appliance and system repairs. These plans provide financial coverage to repair or replace appliances and systems that break due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent costly emergency repairs. Home warranties are the most useful for older houses or those with aging systems. New homes with up-to-date appliances may not require a home warranty.
Home warranties protect many household systems and appliances. Common covered appliances include dryers, microwaves, dishwashers, washers, refrigerators, garbage disposals, and others. Protected systems include heating, air conditioning, plumbing, and electrical. Various home warranty plans offer additional coverage for central vacuums, roof leaks, septic systems, and even locksmiths. North Ogden homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only help pay for repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. Make sure to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
There are several home warranty terms to know before signing an agreement, including:
There are several key considerations when choosing a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans include protection for AC, plumbing, heating, electrical, and appliances. More robust coverage options also cover other items such as pools, spas, well pumps, and roof leaks. 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 needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a company with more affordable fees to maximize savings. Some providers also eliminate deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation gives insight into things such as approval rates, contractor quality, repair timeliness, and customer satisfaction. Check review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Good ratings and feedback indicate a provider known for exceptional service.
Home warranty providers maintain networks of technicians to handle covered repairs. Bigger networks increase the likelihood of getting qualified technicians to quickly service your home. Contact potential providers to find out how many contractors they have in North Ogden to get a sense of how soon your repairs could happen in an emergency.
Some home warranty providers may include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These extras can offer extra value beyond just repair coverage. Added bonuses allow you to enhance your home and get the most from your home warranty.
North Ogden’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 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 necessary repairs, saving you from spending a lot of money out of pocket.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of needing to vet contractors on your own, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. A home warranty can also offer value in other ways. For instance, some plans can be transferred to another owner during a home sale.
Home warranties also have some cons. While it can be convenient that the home warranty sends out a service technician who does the repair for you, some may not like this, and they may want to select their own contractor. If that’s important to you, some home warranty providers allow you to select a contractor.
Additionally, 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 in North Ogden can cost between $30 and $60 a month. The higher-priced plans usually have a lower service fee, higher coverage limits, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also reduce your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects your entire home in case of something such as a natural disaster or fire. With a homeowners insurance plan, you won't be able to file a claim if you need a new dryer or stove, unless the damage is a result of a natural disaster, which is somewhat common in North Ogden.
A home warranty plan can help home sellers, homeowners, real estate agents, investors, and homebuyers. It can provide peace of mind to anyone involved in homeownership.
A home warranty policy will cover your systems, appliances, or both. Combination plans are beneficial 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 offers coverage for a year and can be renewed annually. Some providers may offer month-to-month plans.
Typically, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who will pay the service fees. In North Ogden, where the median value of a home is $493,326, having the seller pay for the home warranty can be a good asset for your new home.
