Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a house can have a lot of advantages, but it can also come with some negatives like maintenance. The older your house’s systems and appliances are, the more you may want to consider getting a home warranty. A home warranty is a way to protect your bank account from unexpected 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.
The home warranty market is filled with a lot of providers — all with different price points — so our team at Today's Homeowner has done the research to help you choose the best home warranty companies in Mill Creek East.
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 in Mill Creek East. AHS has 3 plans for homeowners to choose from. 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 has 3 plans that offer 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 lower than other providers in the Mill Creek East area.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information, read 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
First American Home Warranty offers the best home warranty for appliance coverage in Mill Creek East. First American has 2 plans for homeowners to choose from. 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 has 2 plans that offer 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 lower than other providers in the Mill Creek East area.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For more information, read 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Mill Creek East. Cinch has 3 plans for homeowners to choose from. 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 has 3 plans that offer 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 lower than other providers in the Mill Creek East area.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information, read 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
The Home Service Club offers the best home warranty with the quickest service in Mill Creek East. HSC has 2 plans for homeowners to choose from. 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 has 2 plans that offer 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 lower than other providers in the Mill Creek East area.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information, read 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 | $7,330 |
| Heating | $4,887 |
| Electrical | $733 |
| Toilets | $611 |
| Washer/Dryer | $977 |
| Plumbing | $733 |
| Oven | $1,955 |
| Fridge | $733 |
A home warranty is a protection plan that helps cut costs for Mill Creek East homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that break due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who own older homes or ones with outdated systems. More modern builds with functional appliances probably don’t need a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include microwaves, dryers, dishwashers, garbage disposals, refrigerators, washers, and more. Covered systems are typically plumbing, air conditioning, electrical, and heating. Many home warranty companies offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Most home warranty plans require Mill Creek East homeowners to refrain from making claims for 30 days before the plan will cover repairs. Additionally, policies usually only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranty contracts use several terms that you'll want to know before signing, such as:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans provide coverage for electrical, plumbing, heating, AC, and appliances. More robust coverage options also include protection for other items such as pools, well pumps, roof leaks, and spas. Look for a provider that offers an extensive selection of coverage options, 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 companies with lower service fees to maximize savings. Some companies also offer disappearing deductibles after periods where a customer files no claims.
A home warranty provider's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Use 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 company is known for top-tier service.
Home warranty companies have networks of contractors to handle covered repairs. Bigger networks improve the probability of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Mill Creek East to get a sense of how quickly your repairs could happen in an emergency.
Home warranty companies sometimes offer bonuses such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These extras can add value beyond repair coverage. Additional perks maximize the usefulness of the home warranty.
Home warranty plans are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Mill Creek East hitting an average high of 51℃F, you may find that some appliances, like your A.C., get a lot of use. A home warranty can significantly lower out-of-pocket costs should your HVAC system break down.
In addition, having a home warranty can save you some time by removing the need to research contractors — most providers will send a trusted professional right to your door to do the necessary repair or replacement. Another good thing about having a home warranty is if you want to sell your home, some providers let you transfer your home warranty plan to the new owners. This can make your house more attractive to potential homebuyers and may help your house sell faster.
One of the main drawbacks of a home warranty is not everything may be covered. It’s important to weigh the different plans and select one that covers all the appliances, systems, and add-ons you need.
Another drawback is that home warranties may exclude some repairs, like those needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty in Mill Creek East can cost anywhere from $30 to $60 a month. Higher-priced plans typically 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 lower 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 helps protect against 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 homeowners insurance, you won't be able to file a claim if you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which isn't that common in Mill Creek East.
A home warranty plan can help real estate agents, home sellers, investors, homeowners, and homebuyers. It can provide peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in Mill Creek East include plans that cover either appliances or systems as well as combination plans. A combination plan covers many of your home systems and appliances, including your refrigerator, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the items mentioned in the contract.
Generally, a home warranty offers coverage for a year and can be renewed annually. 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 person who is selling the home may buy 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. Since the average home value in Mill Creek East is $948,751, a home warranty can save you some money when buying a home.
