Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Homeownership in Lincolnia can be satisfying for many, but it also comes with its fair share of headaches. Repairing your home’s systems and appliances can be an unanticipated financial burden for many homeowners. A home warranty can give you the peace of mind you need and safeguard your savings account from unexpected expenses by covering your home’s major appliances and systems.
Choosing the best home warranty on the market can be quite a challenge because of the numerous options available. If you're overwhelmed by trying to compare them all, keep reading for our guide to the best home warranty companies in Lincolnia.
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 Lincolnia, Liberty Home Guard is the most trustworthy home warranty. Liberty has 3 plans for you to choose from. When you buy a plan 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 plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to around $3,000 per covered appliance or system.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For more information on this provider, read our review of Liberty Home Guard.
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 Lincolnia, Choice Home Warranty is the best overall home warranty. Choice has 2 plans for you to choose from. When you buy a plan 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 plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 per covered appliance or system.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For more information on this provider, read our review of Choice Home Warranty.
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 Lincolnia, Select Home Warranty is the most cost-effective home warranty. Select has 3 plans for you to choose from. When you buy a plan 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 plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage limits come out to around $2,000 per covered appliance or system.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information on this provider, read our review of Select Home Warranty.
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 Lincolnia, American Home Shield is the most customizable home warranty. AHS has 3 plans for you to choose from. When you buy a plan 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 plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 per covered appliance or system.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For more information on this provider, read our review of American Home Shield.
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 Lincolnia, First American Home Warranty is the best home warranty for appliance coverage. First American has 2 plans for you to choose from. When you buy a plan 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage limits come out to around $1,500 per covered appliance or system.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For more information on this provider, read our review of First American Home Warranty.
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 Lincolnia, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has 3 plans for you to choose from. When you buy a plan 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 plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 per covered appliance or system.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information on this provider, read our review of Cinch Home Services.
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 Lincolnia, The Home Service Club is the best home warranty with the quickest service. HSC has 2 plans for you to choose from. When you buy a plan 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 per covered appliance or system.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For more information on this provider, read our review of The Home Service Club.
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 | $7,171 |
| Heating | $4,780 |
| Electrical | $717 |
| Toilets | $598 |
| Washer/Dryer | $956 |
| Plumbing | $717 |
| Oven | $1,912 |
| Fridge | $717 |
A home warranty is a protection plan that helps reduce the high costs for Lincolnia homeowners needing appliance and system repairs. These plans provide coverage to repair or replace appliances and systems that break due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then finds 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 exceeds the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid expensive emergency repairs. The coverage is especially helpful for those living in older houses or houses with systems near the end of their life span. However, people with newer homes and working appliances may not need a home warranty.
Home warranties safeguard both your home systems and appliances. Common appliances covered under a home warranty include garbage disposals, microwaves, dishwashers, refrigerators, dryers, washers, and more. Covered systems include electrical, plumbing, heating, and air conditioning. Many home warranty plans also offer add-on coverage options for septic systems, central vacuums, locksmiths, and even roof leaks. Lincolnia homeowners should know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. You need to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by your policy.
There are a number of home warranty terms to learn before signing an agreement, including:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty plans differ significantly in terms of coverage. Most plans provide protection for AC, electrical, plumbing, heating, and appliances. More comprehensive options also include coverage for other items such as pools, roof leaks, well pumps, and spas. Look for a provider that offers comprehensive coverage choices, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's reputation can offer insight into things such as approval rates for claims, speed of repairs, contractor quality, and customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Good ratings and reviews indicate that a provider is known for quality service.
Home warranty companies have networks of contractors to handle covered repairs. More extensive networks improve the probability of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Lincolnia to get a sense of how soon your repairs could happen in an emergency.
Some home warranty providers may include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These can offer extra value beyond just repair coverage. Added bonuses let you enhance your home and get the most from your home warranty.
Temperatures in Lincolnia can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in Lincolnia, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
A home warranty also can also save you time and energy. Instead of spending hours finding and selecting a repair person to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever 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 plan to a new owner and give them the protection you’ve been receiving.
There are also some drawbacks to buying a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Another potential pain point of home warranties is that they don’t cover items that haven’t been properly maintained. This can lead to your claims being rejected, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, around $300 to $600 a year in Lincolnia. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by choosing a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger insurance that protects an entire home from natural disasters, which might not be too much of a concern in Lincolnia. It doesn't cover a normal appliance or system breakage.
A home warranty policy can help investors, homebuyers, homeowners, real estate agents, and home sellers. It can offer peace of mind to anyone involved in homeownership.
A home warranty policy can cover your home’s systems, appliances, or both. Combination plans are great if you'd like 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.
Home warranty plans typically last a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
Typically, the one who owns the home pays for the home warranty. In some cases, though, the home seller may buy a home warranty and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Lincolnia is $650,082, a home warranty can save you some money when buying a home.
