Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
There are many advantages of owning a home, but as your Payson home ages, you may have to update or repair your appliances and systems. A home warranty is a way to protect your savings 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.
Finding the best home warranty on the market can be a challenge because of the many options available. If you're overwhelmed by trying to compare them all, keep reading for our guide to the top 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 is the most trustworthy home warranty. Liberty has been in business for around 6 years, making it a well-respected company in the industry. Liberty has 3 plans for you to choose from. 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 Home Guard offers 3 plans for Payson homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Payson area.
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 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 is the best overall home warranty. Choice has been in business for around 15 years, making it a well-respected company in the industry. Choice has 2 plans for you to choose from. 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 offers 2 plans for Payson homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Payson area.
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 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 is the most cost-effective home warranty. Select has been in business for around 11 years, making it a well-respected company in the industry. Select has 3 plans for you to choose from. 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 Home Warranty offers 3 plans for Payson 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. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Payson area.
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 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 is the most customizable home warranty. AHS has been in business for around 26 years, making it a well-respected company in the industry. AHS has 3 plans for you to choose from. 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.
American Home Shield offers 3 plans for Payson homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Payson area.
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 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 is the best home warranty for appliance coverage. First American has been in business for around 39 years, making it a well-respected company in the industry. First American has 2 plans for you to choose from. 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 Home Warranty offers 2 plans for Payson homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is less than other providers in the Payson area.
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 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 is the home warranty with the best workmanship guarantee. Cinch has been in business for around 44 years, making it a well-respected company in the industry. Cinch has 3 plans for you to choose from. 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 offers 3 plans for Payson 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. The coverage limits from Cinch are around $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.
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 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 is the best home warranty with the quickest service. HSC has been in business for around 15 years, making it a well-respected company in the industry. HSC has 2 plans for you to choose from. 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 Home Service Club offers 2 plans for Payson homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Payson area.
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 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 policy that helps lower expenses for Payson homeowners needing appliance and system repairs. These plans provide financial coverage to fix or replace appliances and systems that stop working due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the fix 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 peace of mind to homeowners, as 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 might not need a home warranty.
Home warranties protect many household systems and appliances. Common covered appliances include refrigerators, dryers, dishwashers, garbage disposals, microwaves, washers, and others. Covered systems include plumbing, heating, electrical, and air conditioning. Many home warranty plans offer additional coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Most home warranty plans require Payson homeowners to wait 30 days before they can use the policy to pay for repairs. Moreover, policies normally only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some essential home warranty words to learn before signing a contract:
There are several important considerations when selecting a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans cover heating, AC, electrical, plumbing, and appliances. More inclusive options also offer coverage on other items such as pools, roof leaks, spas, and well pumps. Look for providers with flexible coverage choices, including upgraded plans. This allows you to tailor protection to your needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out companies advertising more affordable fees to optimize savings on each repair claim. Certain companies may waive deductibles if homeowners don't submit any claims within a set period of time.
A home warranty provider's rating gives you insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Favorable reviews and ratings indicate a company known for stellar service.
Home warranty providers have networks of technicians that they use to tackle covered repairs. More extensive networks improve the likelihood of getting skilled contractors to your home promptly. Contact possible providers to find out how many repair professionals they have in Payson to understand how long repairs may take in an urgent situation.
Some home warranty providers include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These extras can provide extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your 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. Buying a home warranty policy can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
A home warranty also saves you time and energy. Instead of spending hours researching and choosing a contractor 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. Another benefit of having a home warranty is while selling your home, you can most likely transfer your home warranty to the new owners. This can make your home more attractive to potential homebuyers and may help your house sell faster.
One downside of a home warranty is that there are often exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may be excluded from the home warranty, so it’s important to read over any contracts you’re considering thoroughly to get a sense of what is included and what isn’t.
Also, if you don’t maintain your home systems or appliances properly, or if they were damaged 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 policy costs, on average, about $300 to $600 a year in Payson. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover issues with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different insurance that protects an entire home from natural disasters, which might not be too much of a concern in Payson. It doesn't cover a normal appliance or system repairs.
First-time homebuyers, real estate agents, landlords, homeowners, and home sellers can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
The different kinds of home warranties in Payson include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers many of your home systems and appliances, including your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items mentioned in the plan.
Generally, a home warranty policy lasts for a year and can be renewed annually. Some providers may offer month-to-month options.
Generally, the homeowner is the one who is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Payson, where the median value of a home is $443,143, having the seller pay for the home warranty can save you some money on your new home.
