Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Are you considering a home warranty? Go with one of our top home warranty companies. Owning a house can have a lot of advantages but it can also come with some negatives like maintenance. Even if your home has new system's and appliances, a home warranty could offer you some peace of mind.
A home warranty can offer you the peace of mind you need about your home and guard your bank account from large expenses by covering your home's major systems and appliances. Even though a home warranty can help with your homeowner expenses, one pain point is narrowing down the perfect choice for your Smithfield home. That's why we've done the research and have made a list of the top home warranty companies in Smithfield.
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 Smithfield, Choice Home Warranty offers the best overall home warranty. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Smithfield homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also generally around $3,000.
For more information, 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
Select Home Warranty offers the most cost-effective home warranty for Smithfield residents. The 3 plans that Select offers include options for appliance and system coverage. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you'll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
For more information, read our full review of Select Home Warranty. 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 for Smithfield residents. 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 home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 per covered system or appliance.
For more information on this provider, read our detailed review of American Home Shield. To get a free quote from American Home Shield, 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 Smithfield residents. HSC has around 15 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. HSC offers 2 plans for homeowners to decide between. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it 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 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 limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Smithfield area.
Read our full review of The Home Service Club to learn more. 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
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 is the most trustworthy home warranty for Smithfield residents. The 3 plans from Liberty are easily comprehensible and have a mix of both system and appliance 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 caps associated with Liberty's plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our 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 Smithfield, First American Home Warranty offers the best home warranty for appliance coverage. First American is a home warranty company with 39 years of experience in the industry, and it has become one of the best providers in the business. If you're looking for very affordable and comprehensive appliance coverage, this is the home warranty for you. Plus, it 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.
First American Home Warranty has 2 plans that provide 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 of the major systems and appliances, and service fees are a reasonable $85.
For more information on this provider, read our comprehensive review of First American Home Warranty. 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Smithfield. Cinch is a home warranty company with 44 years of experience in the industry, and it has proved to be one of the best providers in the business. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you'll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and offer both system and appliance coverage.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Smithfield area.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information on this provider, read our Cinch Home Services full review.
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 | $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 cuts back on the cost of repairs when one of your home systems or appliances has an issue. A home warranty can help homeowners who need to keep a budget in place and don't want to use their savings to pay for large repair or replacement expenses. Typically, about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
For Smithfield homeowners, it is very easy to file a claim when a problem happens with a covered appliance or system. Most home warranty companies have an online portal system where a claim can be submitted.
The claim is then processed, and a homeowner will pay the predetermined service fee to schedule the repair. This repair will usually happen within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees range between $60 and $150.
Home warranties help protect both your home systems and appliances. A home warranty can cover repairs and replacements that are due to normal wear and tear. Common appliances covered under a home warranty plan include a dishwasher, washer, refrigerator, dryer, microwave, garbage disposal, and more. The systems that are usually covered will be electrical systems, plumbing, heating, and air conditioning.
Add-on coverage will vary from one plan to the next, but you can expect to see things like spas, central vacuums, pools, sump pumps, roof leaks, and electronics.
Smithfield homeowners should know that a home warranty plan will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. You have to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related complication will be covered by the policy.
Temperatures in Smithfield can drop to the negatives in the winter, which means your heating system is most likely going to get a lot of use. As a homeowner in Smithfield, one of the benefits of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Not only can a home warranty provide some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty handles this process by sending trusted professionals to your door when you need them most.
Home warranties also have some drawbacks. Although it can give you less to worry about since the home warranty sends out a repair technician who does the repair for you, some may not like this, and they may want to choose a contractor themselves. If that's the case for you, some home warranty providers let you choose a contractor.
Another thing to keep in mind is that some providers don't cover pre-existing problems and may require an inspection before your coverage can start. Ask the home warranty provider for clarification about this if you need more information or if this is a problem for you.
Now that you're ready to purchase a home warranty plan, the first step is figuring out what appliances and systems you need coverage for. After that, you can compare plans and call different home warranty companies for a free quote. Here is a list of factors that you'll want to consider when picking a home warranty provider:
Our pick for the best overall home warranty provider in Smithfield is Choice Home Warranty, but the right company for you will depend on factors such as what appliances and systems you need coverage for.
A home warranty is a service contract that covers the repairs and replacements of your major home system components and appliances.
A home warranty policy will cover either your home's systems and appliances, or both. Combination plans are great if you'd like more coverage for your home, but a systems or appliance plan can be useful too if you're concerned about one more than the other.
Home warranty plans typically last a year. Many providers let you renew your plan yearly, which can be useful in Smithfield for some protection against something like your heater breaking down when you require it the most.
Owning a home can be expensive, especially with the cost of living in Smithfield getting higher and higher. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty in place, you won't have any costly hits to your savings account for home maintenance.
The service fee is the price the homeowner pay every time there is an issue with a home system or appliance and you file a claim with your home warranty. Service fees are typically between $60 and $150.
Typically, coverage for a home warranty policy begins 30 days on the day the sale closes. However, a few providers may allow you to make a service request before this, so check with customer service to find the exact waiting period for your case.
