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Last Updated: February 25, 2025
There are many advantages of owning a home, but as your Payson home gets older, you may find yourself needing to update or repair your 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 appliances and systems.
The home warranty market has many providers — all with different price points — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in Payson.
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 Payson, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been in the home warranty industry for about 6 years. The 3 home warranty plans that Liberty offers include options for appliance and system coverage. 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.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Payson area.
Read our Liberty Home Guard 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 Payson, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty industry for about 15 years. The 2 home warranty plans that Choice offers include 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Payson area.
Read our Choice Home Warranty 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 Payson, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty industry for about 11 years. The 3 home warranty plans that Select offers include options for appliance and system coverage. 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.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the Payson area.
Read our Select Home Warranty 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 Payson, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty industry for about 26 years. The 3 home warranty plans that AHS offers include options for appliance and system coverage. 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Payson area.
Read our American Home Shield 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 Payson, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in the home warranty industry for about 39 years. The 2 home warranty plans that First American offers include options for appliance and system coverage. 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.
The 2 plans from First American Home Warranty are 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 Payson area.
Read our First American Home Warranty 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 Payson, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for about 44 years. The 3 home warranty plans that Cinch offers include options for appliance and system 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.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Payson area.
Read our Cinch Home Services 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 Payson, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty industry for about 15 years. The 2 home warranty plans that HSC offers include options for appliance and system coverage. 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.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Payson area.
Read our The Home Service Club 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 | $6,080 |
| Heating | $4,053 |
| Electrical | $608 |
| Toilets | $507 |
| Washer/Dryer | $811 |
| Plumbing | $608 |
| Oven | $1,621 |
| Fridge | $608 |
A home warranty is a protection plan that helps Payson homeowners in lowering the expenses of appliance and system repairs. The plans provide financial coverage to swap out or repair appliances and systems that malfunction due to normal wear and tear. When something breaks down, you submit a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty provides peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly useful for those who own older homes or ones with aging systems. Newer homes with modern fixtures probably don’t need a home warranty.
Home warranties cover many household systems and appliances. Covered appliances typically include garbage disposals, dishwashers, microwaves, dryers, washers, refrigerators, and others. Covered systems include electrical, plumbing, heating, and air conditioning. Many home warranty companies also provide add-on coverage for locksmiths, roof leaks, central vacuums, and septic systems. Payson homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only help pay for repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or improperly using a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans cover plumbing, electrical, AC, heating, and appliances. More inclusive plans may also cover extra things such as pools, spas, well pumps, and roof leaks. Focus on companies with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize your plan to meet your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a company with lower service fees to maximize savings. Some providers also remove deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation provides insight into things such as approval rates, repair timeliness, contractor quality, and customer satisfaction. Browse review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Positive ratings and feedback indicate a provider known for exceptional service.
Home warranty providers have networks of local professionals to handle repairs in your area. Contact potential providers to learn how many repair technicians they have in Payson and get an idea for how quickly your repairs could take place in an emergency situation. Larger networks improve the likelihood of getting qualified contractors to swiftly service your home.
Some home warranty providers include extras such as maintenance discounts, energy efficiency upgrades, and smart home device protection. These add value beyond just repair coverage. Extra bonuses maximize the usefulness of the home warranty.
Since temperatures in Payson can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Having a home warranty policy can help homeowners save money if one of these systems or appliances breaks down suddenly.
In addition, having a home warranty can save you time by removing the need to research repair people — most companies will send a trusted professional right to your door to do the necessary repair or replacement. A home warranty can also yield value in other ways. For instance, some plans can be transferred to another owner during a home sale.
One major drawback of home warranties is not everything you care about may be covered. It’s important to compare the different plans and opt for one that covers all the appliances, systems, and add-ons you need.
In addition, 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 Payson can cost anywhere from $30 to $60 a month. Higher-priced plans usually have higher coverage limits, a lower service fee, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some providers will also reduce your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty protects against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your entire home in case of something such as a natural disaster or fire. With homeowners insurance, you will not be able to file a claim if you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which isn't that common in Payson.
A home warranty policy can help homebuyers, real estate agents, investors, home sellers, and homeowners. It can provide peace of mind to anyone involved with homeownership.
The different kinds of home warranties in Payson include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items listed in the plan.
Generally, a home warranty plan lasts for a year and can be renewed annually. Some companies may offer month-to-month plans.
Typically, the person who owns the home is responsible for paying for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Payson is $443,143, a home warranty can be an added asset when buying a home.
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