Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a home can have lots of benefits, but it can also come with some negatives like maintenance. The older your house’s appliances and systems are, the more likely it is that you'll benefit from a home warranty. A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
The home warranty market is filled with many providers — all with different coverage — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in Loudoun Valley Estates.
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 Loudoun Valley Estates, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been on the market for about 6 years, making it a respected company in the industry. Liberty offers 3 plans for you to decide between. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Loudoun Valley Estates 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 about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Loudoun Valley Estates area.
Read more by visiting our review of Liberty Home Guard. To get a free quote from Liberty Home Guard, you can 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 Loudoun Valley Estates, Choice Home Warranty offers the best overall home warranty. Choice has been on the market for about 15 years, making it a respected company in the industry. Choice offers 2 plans for you to decide between. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, 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 Loudoun Valley Estates 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 about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Loudoun Valley Estates area.
Read more by visiting our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, you can 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 Loudoun Valley Estates, Select Home Warranty offers the most cost-effective home warranty. Select has been on the market for about 11 years, making it a respected company in the industry. Select offers 3 plans for you to decide between. 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.
Select Home Warranty offers 3 plans for Loudoun Valley Estates 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 about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Loudoun Valley Estates area.
Read more by visiting our review of Select Home Warranty. To get a free quote from Select Home Warranty, you can 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 Loudoun Valley Estates, American Home Shield offers the most customizable home warranty. AHS has been on the market for about 26 years, making it a respected company in the industry. AHS offers 3 plans for you to decide between. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Loudoun Valley Estates 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 about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Loudoun Valley Estates area.
Read more by visiting our review of American Home Shield. To get a free quote from American Home Shield, you can 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 Loudoun Valley Estates, First American Home Warranty offers the best home warranty for appliance coverage. First American has been on the market for about 39 years, making it a respected company in the industry. First American offers 2 plans for you to decide between. If you’re looking for very affordable and comprehensive appliance coverage, you’ll want to have this plan on your side. 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 Home Warranty offers 2 plans for Loudoun Valley Estates 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 about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Loudoun Valley Estates area.
Read more by visiting our review of First American Home Warranty. To get a free quote from First American Home Warranty, you can 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 Loudoun Valley Estates, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been on the market for about 44 years, making it a respected company in the industry. Cinch offers 3 plans for you to decide between. 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.
Cinch Home Services offers 3 plans for Loudoun Valley Estates 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 about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Loudoun Valley Estates area.
Read more by visiting our review of Cinch Home Services. To get a free quote from Cinch Home Services, you can 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 Loudoun Valley Estates, The Home Service Club offers the best home warranty with the quickest service. HSC has been on the market for about 15 years, making it a respected company in the industry. HSC offers 2 plans for you to decide between. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you’ll want to have this plan on your side. Plus, 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 Loudoun Valley Estates 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 cheaper than other providers in the Loudoun Valley Estates area.
Read more by visiting our review of The Home Service Club. To get a free quote from The Home Service Club, you can 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 | $7,383 |
| Heating | $4,922 |
| Electrical | $738 |
| Toilets | $615 |
| Washer/Dryer | $984 |
| Plumbing | $738 |
| Oven | $1,969 |
| Fridge | $738 |
A home warranty is a protection policy that helps lower expenses for Loudoun Valley Estates homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out 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 finds a contractor to make the repair 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 policy gives homeowners a sense of security since it can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties cover your home's systems and appliances. Typical covered appliances include washers, microwaves, dryers, refrigerators, garbage disposals, dishwashers, and more. Protected systems include plumbing, air conditioning, electrical, and heating. Many home warranty plans offer additional coverage for septic systems, central vacuums, roof leaks, and even locksmiths. Loudoun Valley Estates homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only address repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or improperly using a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should understand key terms like:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty coverage varies, although most plans provide coverage for electrical, heating, plumbing, AC, and appliances. More extensive plans may also include additional items such as roof leaks, spas, pools, and well pumps. Look for providers with an array of coverage options, such as upgraded plans. You'll want to tailor your protection for your needs.
You'll pay a service fee, typically $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 providers may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's reputation gives insight into things such as approval rates, repair timeliness, contractor quality, and customer service. Use review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Positive ratings and feedback indicate a provider known for great service.
Home warranty businesses have networks of local technicians to handle repairs in your area. Reach out to potential providers to find out how many repair contractors they have in Loudoun Valley Estates and get an idea for how fast your repairs might happen in an emergency situation. Bigger networks raise the chances of getting qualified contractors to swiftly service your home.
Certain home warranty companies offer extras such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These bonuses provide extra value beyond repair coverage. Added perks enhance your home and maximize your home warranty.
Temperatures in Loudoun Valley Estates can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a decent amount of use. As a homeowner in Loudoun Valley Estates, one benefit 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.
As well as saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the pain of trying to find a qualified technician to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair issues you may come across. In addition, though it varies by company, some providers will let you transfer your warranty in the event that you sell your home. This can make your property more attractive to potential homebuyers and help your home sell faster.
Home warranties also have some drawbacks. Though it can be convenient that the home warranty sends out a repair person who takes care of the repair for you, some people may not like this, and they may want to choose a contractor themselves. If that’s important to you, some home warranty providers allow you to select a contractor.
Another thing to keep in mind is that some companies don’t cover pre-existing conditions and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about it if you aren’t sure or if this is an issue for you.
A home warranty in Loudoun Valley Estates can cost anywhere from $30 to $60 a month. The higher-priced plans tend to have a lower service fee, higher coverage limits, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also decrease your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects your home in case of something such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim if you need a new refrigerator or oven, unless the damage is a result of a natural disaster, which isn't that common in Loudoun Valley Estates.
A home warranty can help real estate agents, investors, homebuyers, home sellers, and homeowners. It can provide peace of mind and savings to anyone involved in homeownership.
A home warranty policy will cover your appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Home warranty plans usually provide coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Typically, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Loudoun Valley Estates, where the median home value is $665,176, having the seller pay for the home warranty can be a good asset for your new home.
