Written By David Cusick
Last Updated February 2024
With frigid winters, keeping your home appliances and systems — especially your HVAC — in working order is very important for homeowners in Smithfield. A home warranty can offer you the peace of mind you need and safeguard your savings account from large expenses by covering your home’s major appliances and systems.
Choosing the best home warranty on the market can be difficult because of the many options available. If you're tired of trying to compare them all, keep reading for our guide on the top home warranty providers in Smithfield.
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
Liberty Home Guard offers the most trustworthy home warranty in Smithfield. When you buy a home warranty from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easy to comprehend and offer both system and appliance coverage.
Liberty Home Guard offers 3 plans for Smithfield 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 caps associated with Liberty’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
Read our Liberty Home Guard full review to learn more. To get 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
Choice Home Warranty offers the best overall home warranty in Smithfield. When you buy a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easy to comprehend and offer both system and appliance coverage.
Choice Home Warranty offers 2 plans for Smithfield homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
Read our Choice Home Warranty full review to learn more. To get 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
Select Home Warranty offers the most cost-effective home warranty in Smithfield. When you buy 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. The 3 plans from Select are easy to comprehend and offer both system and appliance coverage.
Select Home Warranty offers 3 plans for Smithfield 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 caps associated with Select’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
Read our Select Home Warranty full review to learn more. To get 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
American Home Shield offers the most customizable home warranty in Smithfield. When you buy a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easy to comprehend and offer both system and appliance coverage.
American Home Shield offers 3 plans for Smithfield homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
Read our American Home Shield full review to learn more. To get 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
First American Home Warranty offers the best home warranty for appliance coverage in Smithfield. 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. The 2 plans from First American are easy to comprehend and offer both system and appliance coverage.
First American Home Warranty offers 2 plans for Smithfield homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with First American’s plans are close to the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
Read our First American Home Warranty full review to learn more. To get 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Smithfield. When you buy a home warranty from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easy to comprehend and offer both system and appliance coverage.
Cinch Home Services offers 3 plans for Smithfield 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 caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
Read our Cinch Home Services full review to learn more. To get 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
The Home Service Club offers the best home warranty with the quickest service in Smithfield. 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 2 plans from HSC are easy to comprehend and offer both system and appliance coverage.
The Home Service Club offers 2 plans for Smithfield 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 caps associated with HSC’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
Read our The Home Service Club full review to learn more. To get 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 | $5,870 |
Heating | $3,913 |
Electrical | $587 |
Toilets | $489 |
Washer/Dryer | $783 |
Plumbing | $587 |
Oven | $1,565 |
Fridge | $587 |
A home warranty is a protection plan that helps cut costs for Smithfield homeowners needing appliance and system repairs. These plans provide coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
Homeowners submit 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 cost of the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid expensive emergency repairs. The coverage is especially helpful for owners of older houses or houses with systems near the end of their life span. However, homeowners with newer homes and functioning appliances may not require a home warranty.
Home warranties cover many home systems and appliances. Warranties usually cover appliances such as dryers, refrigerators, washers, dishwashers, microwaves, garbage disposals, and more. Covered systems include electrical, air conditioning, heating, and plumbing. Many home warranty companies also offer add-on coverage for central vacuums, locksmiths, roof leaks, and septic systems. Smithfield should understand that most home warranty plans have a waiting period of 30 days before repair claims will be approved. 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 improperly using a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Before signing a home warranty contract, you should know key terms like:
There are several important factors to consider when choosing a home warranty provider:
Home warranty policies can have major differences in covered items. Most plans cover electrical, AC, heating, plumbing, and appliances. More comprehensive options also extend protection to other items such as well pumps, pools, spas, and roof leaks. Focus on companies with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize protection for your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a company with lower service fees to maximize savings. Some providers also remove deductibles when customers have a claim-free period.
A home warranty provider's reputation provides insight into things such as repair timeliness, approval rates, contractor quality, and customer satisfaction. Check review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Good ratings and feedback indicate a provider known for exceptional service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Reach out to potential businesses to ask how many repair professionals they have in Smithfield and get an idea of how quickly your repairs could be handled in an emergency. More extensive networks increase the likelihood of getting qualified contractors to promptly service your home.
Some home warranty companies provide bonuses such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These perks add value beyond repair coverage. Extra bonuses help maximize the usefulness of your home warranty.
Home warranties are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Smithfield reaching an average high of 53℃F, you may find that some appliances, like your air conditioning unit, get a lot of use. A home warranty can remarkably decrease out-of-pocket costs should your HVAC system stop working.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of vetting contractors on your own, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Additionally, having a home warranty can help make your house more attractive to potential homebuyers should you ever decide to sell in the future. Many home warranty providers will allow you to transfer your policy to a new owner and give them the same protection you’ve been receiving.
Home warranties also have some downsides. Though it can be convenient that the home warranty sends out a repair person who takes care of the repair for you, some homeowners may not like this, and they may want to select their own contractor. If that’s the case for you, some home warranty providers let you choose a contractor.
Another thing to consider is that some companies don’t cover pre-existing problems and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about these things if you need more information or if this is an issue for you.
A home warranty in Smithfield can cost anywhere from $30 to $60 a month. The higher-priced plans typically have a lower service fee, broader coverage, and higher coverage limits. Home warranties are often cheaper when 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 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 fire or natural disaster. With a homeowners insurance plan, you won't be able to file a claim if you need a new refrigerator or dishwasher, unless the damage is a result of a natural disaster, which is somewhat common in Smithfield.
A home warranty policy can help homeowners, homebuyers, home sellers, investors, and real estate agents. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty policy can cover your appliances, systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Generally, a home warranty plan lasts for a year and can be renewed annually. Some companies may offer month-to-month options.
Typically, the one who owns the home is responsible for paying for the home warranty. In some cases, however, the home seller may buy a home warranty policy 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 Smithfield is $452,312, a home warranty can save you some money when buying a home.