Written By David Cusick
Last Updated February 2024
Being a homeowner in Lowes Island is an excellent option for those who love nature and quiet neighborhoods. However, as great as Lowes Island is, homeownership always comes with its fair share of difficulties, such as trying to pay for your appliance and system repairs yourself. A home warranty is a way to protect your savings from unexpected expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Finding the best home warranty on the market can be overwhelming, since there are so many companies to choose from. That’s why the Today's Homeowner team did the research and put together a list of the best home warranty companies in Lowes Island for you.
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 Lowes Island, Liberty Home Guard offers the most trustworthy home warranty. Liberty is a home warranty company with 6 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 plans from Liberty are comprehensive and offer both system and appliance coverage. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it 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 has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read our review of Liberty Home Guard to learn more.
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 Lowes Island, Choice Home Warranty offers the best overall home warranty. Choice is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. The 2 plans from Choice are comprehensive and offer both system and appliance coverage. With a home warranty from Choice, you can enjoy 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.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read our review of Choice Home Warranty to learn more.
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 Lowes Island, Select Home Warranty offers the most cost-effective home warranty. Select is a home warranty company with 11 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 plans from Select are comprehensive and offer both system and appliance coverage. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, 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. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read our review of Select Home Warranty to learn more.
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 Lowes Island, American Home Shield offers the most customizable home warranty. AHS is a home warranty company with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 plans from AHS are comprehensive and offer both system and appliance coverage. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it 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 has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read our review of American Home Shield to learn more.
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 Lowes Island, 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 established itself as one of the best providers in the business. The 2 plans from First American are comprehensive and offer both system and appliance coverage. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, 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.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read our review of First American Home Warranty to learn more.
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 Lowes Island, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch is a home warranty company with 44 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it 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 has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read our review of Cinch Home Services to learn more.
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 Lowes Island, The Home Service Club offers the best home warranty with the quickest service. HSC is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. The 2 plans from HSC are comprehensive and offer both system and appliance coverage. With a home warranty from HSC, you can enjoy 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read our review of The Home Service Club to learn more.
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 | $7,733 |
Heating | $5,155 |
Electrical | $773 |
Toilets | $644 |
Washer/Dryer | $1,031 |
Plumbing | $773 |
Oven | $2,062 |
Fridge | $773 |
A home warranty is a protection plan that assists Lowes Island homeowners in lowering the expenses of appliance and system repairs. The plans provide financial coverage to swap out or repair appliances and systems that stop working due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty provider then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid high-priced 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 require a home warranty.
Home warranties cover your home systems and appliances. Covered appliances typically include dishwashers, microwaves, dryers, garbage disposals, refrigerators, washers, and others. Covered systems include electrical, air conditioning, plumbing, and heating. Many home warranty providers also offer additional coverage for locksmiths, central vacuums, septic systems, and roof leaks. Most home warranty plans require Lowes Island homeowners to wait 30 days before the plan will cover repairs. Additionally, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Before agreeing to a home warranty contract, you should learn key terms like:
There are several important considerations when selecting a home warranty provider:
Home warranty coverage varies, although most plans include protection for plumbing, electrical, AC, heating, and appliances. More comprehensive options may also provide protection for extra things such as roof leaks, pools, spas, and well pumps. Look for a company that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using providers with lower service fees to maximize savings. Some companies also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty company's reputation can offer insight into things such as contractor quality, approval rates for claims, speed of repairs, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Good ratings and reviews indicate that a provider is known for top-tier service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. More extensive networks improve the likelihood of getting qualified contractors to your home quickly. Contact possible providers to ask how many technicians they have in Lowes Island. This helps you understand how long repairs might take in an urgent situation.
Some home warranty providers may include perks such as reduced maintenance fees, smart home device coverage, and energy efficiency upgrades. These extras can offer extra value beyond just repair coverage. Extra bonuses allow you to enhance your home and get the most from your home warranty.
Temperatures in Lowes Island can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a good bit of use. As a homeowner in Lowes Island, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.
A home warranty also saves you time and energy. Instead of spending hours researching and choosing 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. Another good thing about having a home warranty is when you’re selling your home, some providers let you transfer your home warranty policy to the new owners. This can make your house more attractive to potential homebuyers and help your house sell faster.
One of the major drawbacks of a home warranty is not everything you care about may be covered. It’s important to compare the different plans and sign up for one that covers all the appliances, systems, and add-ons you need.
Another stipulation is that home warranties typically only cover damage from normal wear and tear. They often won’t cover systems or appliances that need repairs or replacements due to animal infestations, improper maintenance, natural disasters, etc.
A home warranty plan costs, on average, about $300 to $600 a year in Lowes Island. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by opting for a higher service fee. In addition, it's usually less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty plans cover problems with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of plan that protects your entire home from natural disasters, which might not be too much of a concern in Lowes Island. It doesn't cover a typical appliance or system damage.
A home warranty plan can help homebuyers, home sellers, investors, homeowners, and real estate agents. It can offer peace of mind to anyone involved with homeownership.
A home warranty will cover your appliances, systems, 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.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Typically, the one who owns the home pays for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty policy 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 Lowes Island is $884,932, a home warranty can save you some money when buying a home.