Written By David Cusick
Last Updated April 2024
Homeownership in Felida can be gratifying for many people, but it also comes with its fair share of difficulties. Updating your home’s systems and appliances can be an unexpected financial burden for many homeowners. A home warranty is a way to protect your savings account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
Finding the right protection for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Felida. Keep reading for our recommendations.
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 Felida residents. AHS has been operating for about 26 years, making it a highly regarded company in the industry. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a policy 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 about $2,500 for each covered system or appliance.
Read our American Home Shield Review to learn more. To receive a free quote from American Home Shield, 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
First American Home Warranty offers the best home warranty for appliance coverage for Felida residents. First American has been operating for about 39 years, making it a highly regarded company in the industry. The 2 plans that First American offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a policy 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 about $1,500 for each covered system or appliance.
Read our First American Home Warranty Review to learn more. To receive a free quote from First American Home Warranty, 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Felida residents. Cinch has been operating for about 44 years, making it a highly regarded company in the industry. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a policy 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 about $1,000-$2,000 for each covered system or appliance.
Read our Cinch Home Services Review to learn more. To receive a free quote from Cinch Home Services, 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
The Home Service Club offers the best home warranty with the quickest service for Felida residents. HSC has been operating for about 15 years, making it a highly regarded company in the industry. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a policy 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 about $2,000 for each covered system or appliance.
Read our The Home Service Club Review to learn more. To receive a free quote from The Home Service Club, 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 | $6,569 |
Heating | $4,379 |
Electrical | $657 |
Toilets | $547 |
Washer/Dryer | $876 |
Plumbing | $657 |
Oven | $1,752 |
Fridge | $657 |
A home warranty is a protection plan that helps Felida homeowners reduce the expenses of appliance and system repairs. The plans provide financial coverage to repair or replace appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty company then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty gives security for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with aging systems. Newer homes with modern appliances probably don’t require a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as refrigerators, microwaves, washers, garbage disposals, dishwashers, dryers, and more. Covered systems include air conditioning, plumbing, heating, and electrical. Many home warranty companies also provide additional coverage for roof leaks, locksmiths, central vacuums, and septic systems. Felida should understand that most home warranty plans have a waiting period of 30 days before repairs are covered. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misusing a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Before signing a home warranty contract, you should understand key terms like:
There are several important factors to consider when selecting a home warranty provider:
Home warranties differ greatly in the items covered. Basic policies typically cover heating, plumbing, AC, electrical, and appliances, while more comprehensive plans may also cover well pumps, roof leaks, pools, and spas. Look for companies with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which gets paid per claim you submit. The per-request costs can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty company's reputation provides insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Favorable reviews and ratings indicate a provider known for stellar service.
Home warranty companies have networks of technicians to handle covered repairs. Larger networks improve the probability of getting qualified technicians to swiftly service your home. Ask potential providers how many contractors they have in Felida to get a sense of how soon your repairs could happen in an emergency.
Some home warranty companies may include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These can provide extra value beyond repair coverage. Added bonuses let you enhance your home and get the most from your home warranty.
Temperatures in Felida 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 Felida, one benefit of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
Not only does a home warranty offer 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 takes care of this process by sending trusted professionals to your door when you need them most. A home warranty can also have value in other ways. For example, some plans can be transferred to another owner when you sell your home.
There are also some drawbacks to buying a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another thing to take into consideration is that some providers don’t cover pre-existing conditions and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about this if you aren’t sure or if this is a problem for you.
A home warranty policy costs, on average, about $300 to $600 a year in Felida. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. In addition, it's often less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty protects against normal wear and tear to home systems and appliances. A homeowners insurance plan protects your home in a situation such as a fire or natural disaster. Under homeowners insurance, you will not be able to file a claim should you need a new dryer or dishwasher, unless the damage is due to a natural disaster, which isn't that common in Felida.
A home warranty policy can help homebuyers, homeowners, real estate agents, home sellers, and investors. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty policy will cover your systems, appliances, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Typically, the person who owns the home pays for the home warranty. In some cases, though, the home seller may purchase a home warranty 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 Felida is $601,045, a home warranty can save you some money when buying a home.