Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
As much as you may enjoy homeownership in Lake Morton-Berrydale, there's always that fear about whether your appliances and systems are going to hold up during the next few years. A home warranty is a way to protect your bank account from unexpected home repairs and 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 time-consuming, as there are so many companies to choose from. That’s why the Today's Homeowner team did the research and compiled a list of the top home warranty companies in Lake Morton-Berrydale for you.
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 Lake Morton-Berrydale, American Home Shield offers the most customizable home warranty. AHS has more than 26 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The 3 home warranty plans that AHS offers include options for appliance and system coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a combination of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 per covered appliance or system.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our American Home Shield full review.
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 Lake Morton-Berrydale, First American Home Warranty offers the best home warranty for appliance coverage. First American has more than 39 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The 2 home warranty plans that First American offers include options for appliance and system coverage. First American has established itself as a company with very affordable and comprehensive appliance coverage. It 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.
First American Home Warranty has 2 plans that provide a combination of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage limits come out to about $1,500 per covered appliance or system.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read more by visiting our First American Home Warranty full review.
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 Lake Morton-Berrydale, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has more than 44 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The 3 home warranty plans that Cinch offers include options for appliance and system coverage. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a combination of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 per covered appliance or system.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting our Cinch Home Services full review.
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 Lake Morton-Berrydale, The Home Service Club offers the best home warranty with the quickest service. HSC has more than 15 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The 2 home warranty plans that HSC offers include options for appliance and system coverage. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also 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 has 2 plans that provide a combination of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 per covered appliance or system.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting our The Home Service Club full review.
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 | $6,960 |
| Heating | $4,640 |
| Electrical | $696 |
| Toilets | $580 |
| Washer/Dryer | $928 |
| Plumbing | $696 |
| Oven | $1,856 |
| Fridge | $696 |
A home warranty is a protection policy that helps Lake Morton-Berrydale homeowners in reducing the expenses of appliance and system repairs. The plans offer coverage to swap out or repair appliances and systems that break down due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or fix. 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 policy gives homeowners peace of mind because 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 appliances and fixtures in good condition may not need a home warranty.
Home warranties cover your home systems and appliances. Warranties usually cover appliances such as dryers, washers, microwaves, refrigerators, garbage disposals, dishwashers, and more. Covered systems include heating, electrical, plumbing, and air conditioning. Many home warranty companies also provide add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. Lake Morton-Berrydale homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. Additionally, most policies only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Here are some essential home warranty terms to know before signing a contract:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans cover heating, electrical, AC, plumbing, and appliances. More inclusive options also cover other items such as pools, well pumps, spas, and roof leaks. Look for providers with varied coverage options, including upgraded plans. This allows you to customize your plan to your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a company with lower service fees to maximize savings. Some companies also eliminate deductibles if a customer goes a period of time without filing any claims.
A home warranty provider's reputation gives insight into things such as contractor quality, repair timeliness, approval rates, and customer service. Check review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Good ratings and feedback indicate a company known for great service.
Home warranty businesses maintain networks of local professionals to handle repairs in your area. Contact potential providers to ask how many repair technicians they have in Lake Morton-Berrydale and get an idea for how quickly your repairs might happen in an emergency situation. Wider networks increase the probability of getting qualified contractors to swiftly service your home.
Home warranty companies might offer perks such as energy efficiency upgrades, coverage for smart home devices, and maintenance discounts. These extras can add value beyond basic repair coverage. Additional perks maximize the usefulness of the home warranty.
Since temperatures in Lake Morton-Berrydale can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances breaks down suddenly.
Plus, having a home warranty can save you some time by eliminating the need to research technicians — most providers will send a trusted professional right to your door to complete the repair or replacement. A home warranty can also provide value in other ways. For instance, some plans can be transferred to another owner when you sell your home.
As for the disadvantages of home warranties, coverage varies by company, so it’s important to read what each policy covers and doesn’t include in the contract.
In addition, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty in Lake Morton-Berrydale can cost between $30 and $60 a month. The higher-priced plans usually have higher coverage limits, broader coverage, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some companies will also reduce your up-front costs when you agree to 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 the entire home in case of something such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim should you need a new dryer or stove, unless the damage is a result of a natural disaster, which isn't that common in Lake Morton-Berrydale.
Homebuyers, landlords, home sellers, real estate agents, and homeowners can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
A home warranty plan can cover your home’s 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 useful if you're concerned about one more than the other.
Generally, a home warranty policy lasts for a year and can be renewed annually. Some providers may offer month-to-month options.
Usually, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Lake Morton-Berrydale, where the median value of a home is $706,131, having the seller pay for the home warranty can be a good asset for your new home.
