Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated June 2024
Being a homeowner in Summit View is a great option for those who enjoy nature and quiet neighborhoods. However, as great as Summit View is, homeownership always comes with its fair share of difficulties, such as trying to finance your appliance repairs yourself. A home warranty can give you the peace of mind you need and protect your bank account from large expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be difficult, as there are lots of companies to decide between. That’s why the Today's Homeowner team did the research and made a list of the top home warranty companies in Summit View 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 Summit View, American Home Shield is the most customizable home warranty. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easily comprehensible and have a mix of both system and appliance coverage.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Summit View area.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For a more detailed breakdown, read our detailed review of American Home Shield.
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 Summit View, First American Home Warranty is the best home warranty for appliance coverage. First American offers very affordable and comprehensive appliance coverage. Plus, 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. The 2 plans from First American are easily comprehensible and have a mix of both system and appliance coverage.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Summit View area.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For a more detailed breakdown, read our detailed review of First American Home Warranty.
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 Summit View, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and have a mix of both system and appliance coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Summit View area.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For a more detailed breakdown, read our detailed review of Cinch Home Services.
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 Summit View, The Home Service Club is the best home warranty with the quickest service. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are easily comprehensible and have a mix of both system and appliance coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Summit View area.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read our detailed review of The Home Service Club.
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 | $6,759 |
| Heating | $4,506 |
| Electrical | $676 |
| Toilets | $563 |
| Washer/Dryer | $901 |
| Plumbing | $676 |
| Oven | $1,802 |
| Fridge | $676 |
A home warranty is a protection policy that assists Summit View homeowners in lowering the expenses of appliance and system repairs. The plans offer coverage to replace or repair appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges 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 policy gives homeowners a sense of security and can help avoid costly 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 safeguard both your home systems and appliances. Common covered appliances include dishwashers, dryers, garbage disposals, microwaves, refrigerators, washers, and more. Covered systems include plumbing, electrical, air conditioning, and heating. Many home warranty plans offer additional add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. Summit View homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. What's more, most policies only address 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. Make sure to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
There are several home warranty terms to know before signing an agreement, including:
There are several key considerations when selecting a home warranty provider:
Home warranties have significant variation in what they include. Basic plans typically provide protection for plumbing, electrical, heating, AC, and appliances, while more comprehensive options may also cover pools, roof leaks, spas, and well pumps. Look for companies with a diverse range of coverage options, including upgraded plans. This helps you customize your plan to your home's 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 if a customer doesn't submit any claims in a set timeframe.
A home warranty provider's reputation can offer insight into things such as speed of repairs, contractor quality, approval rates for claims, and customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Positive ratings and reviews indicate that a provider is known for top-tier service.
Home warranty providers have networks of professionals that they use to tackle covered repairs. Larger networks improve the probability of getting skilled contractors to your home promptly. Contact possible providers to ask how many contractors they have in Summit View. This helps you understand how long repairs could take in an urgent situation.
Certain home warranty providers include perks such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These provide extra value beyond repair coverage. Added perks enhance your home and help maximize your home warranty.
Summit View’s frigid winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the repairs, saving you from spending a lot of money out of pocket.
Along with saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the pain of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair issues you may have. Additionally, though it varies by company, some providers will let you transfer your warranty if you sell your home. This can make your home more attractive to potential homebuyers and maybe even help your home sell faster.
As for the drawbacks of home warranties, coverage varies by company, so it’s important to read what each policy covers and excludes in the contract.
Plus, 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 other than normal wear and tear — the home warranty may not cover it.
A home warranty in Summit View can cost between $30 and $60 a month. Higher-priced plans usually have broader coverage, higher coverage limits, and a lower service fee. This cost is often lower if you pay 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 kinds of damage each covers. A home warranty covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects your entire home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim if you need a new washing machine or oven, unless the damage is due to a natural disaster, which isn't that common in Summit View.
A home warranty can help investors, homebuyers, home sellers, homeowners, and real estate agents. It can offer peace of mind and savings to anyone involved in homeownership.
The different kinds of home warranties in Summit View include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. An appliance or system plan will cover only the items mentioned in the contract.
Home warranty plans usually last a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
Typically, the homeowner pays for the home warranty. In some cases, however, 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. Considering that the average home value in Summit View is $493,066, a home warranty can save you some money when buying a home.
