Written By David Cusick
Last Updated April 2024
Homeownership in Picnic Point comes with many benefits, but it also comes with its difficulties. Your home’s appliances and systems will eventually need repairs, and this could mean a burdensome expense. A home warranty in Picnic Point can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
Finding the best protection for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Picnic Point. Keep reading for our home warranty 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 is the most customizable home warranty for Picnic Point residents. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the plan for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 per covered appliance or system.
For a more detailed breakdown, read our American Home Shield Review. 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 is the best home warranty for appliance coverage for Picnic Point residents. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options. If you’re looking for very affordable and comprehensive appliance coverage, this is the plan for you. 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 per covered appliance or system.
For a more detailed breakdown, read our First American Home Warranty Review. 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 is the home warranty with the best workmanship guarantee for Picnic Point residents. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the plan for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: 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 caps come out to around $1,000-$2,000 per covered appliance or system.
For a more detailed breakdown, read our Cinch Home Services Review. 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 is the best home warranty with the quickest service for Picnic Point residents. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options. 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, this is the plan for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 per covered appliance or system.
For a more detailed breakdown, read our The Home Service Club Review. 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 | $6,790 |
Heating | $4,527 |
Electrical | $679 |
Toilets | $566 |
Washer/Dryer | $905 |
Plumbing | $679 |
Oven | $1,811 |
Fridge | $679 |
A home warranty is a protection policy that helps lower expenses for Picnic Point homeowners needing appliance and system repairs. These plans provide financial coverage to fix or replace 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 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 exceed the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid high-priced emergency repairs. The coverage is particularly helpful for owners of older houses or houses with fixtures near the end of their life span. However, people with newer homes and working appliances may not require a home warranty.
Home warranties cover many household systems and appliances. Common covered appliances are washers, microwaves, refrigerators, garbage disposals, dishwashers, dryers, and others. Protected systems include plumbing, electrical, air conditioning, and heating. Many home warranty plans offer additional coverage for roof leaks, septic systems, central vacuums, and even locksmiths. Picnic Point homeowners should know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. You need to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by your policy.
There are multiple home warranty terms to know before signing an agreement, including:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage varies, although most plans cover heating, electrical, plumbing, AC, and appliances. More comprehensive options may also cover other things such as well pumps, spas, pools, and roof leaks. Look for companies 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. As this charge applies to every separate claim, you may want to choose a provider with more affordable fees to maximize savings. Some providers also do away with deductibles when customers have a claim-free period.
A home warranty provider's reputation provides insights into factors such as repair speed, contractor expertise, claim approval rates, and customer satisfaction. Read through review sites like the Better Business Bureau (BBB), TrustPilot, or Google Reviews to learn more about providers. Favorable reviews and ratings suggest a company known for quality service.
Home warranty providers have networks of professionals that they use to tackle covered repairs. More extensive networks increase the probability of getting skilled contractors to your home quickly. Reach out to possible providers to ask how many technicians they have in Picnic Point to understand how long repairs might take in an urgent situation.
Some home warranty providers provide extras such as maintenance discounts, energy efficiency upgrades, and smart home device protection. These perks add value beyond just repair coverage. Added bonuses can maximize the usefulness of your home warranty.
Temperatures in Picnic Point can drop to the negatives in the winter, which means your heating system is likely to get a decent amount of use. As a homeowner in Picnic Point, one of the benefits of having a home warranty is that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
A home warranty also saves you time and energy. Instead of spending hours finding and selecting a repair person to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. A home warranty can also yield value in other ways. For instance, some policies can be transferred to another owner when you sell your home.
Home warranties also have some downsides. While it can be convenient that the home warranty sends out a contractor who handles the repair for you, some people may not like this, and they would prefer to select their own contractor. If that’s the case for you, some home warranty plans let you choose a contractor.
Also, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty costs, on average, about $300 to $600 a year in Picnic Point. Our high-rated home warranty companies' 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. Additionally, it's often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover problems related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of plan that protects an entire home from natural disasters, which might not be too much of a concern in Picnic Point. It doesn't cover a typical appliance or system breakage.
A home warranty policy can help home sellers, investors, homebuyers, homeowners, and real estate agents. It can provide peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in Picnic Point include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover your systems and appliances, including your dishwasher, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items listed in the plan.
Generally, a home warranty policy lasts for a year and can be renewed yearly. Some companies may offer month-to-month plans.
Typically, the person who owns the home pays for the home warranty. In some cases, though, the one selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Picnic Point is $1,098,606, a home warranty can be an added asset when buying a home.