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Last Updated: February 25, 2025
Lisbon gives homeowners some great neighborhoods and the opportunity to enjoy the snow in the winter. However, freezing temperatures can put quite a strain on your home’s systems, such as your HVAC. A home warranty is a way to protect your savings from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Finding the best home warranty on the market can be difficult because of the many options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide on the top home warranty providers in Lisbon.
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty offers the best overall home warranty in Lisbon. Choice has about 15 years of experience in the home warranty industry and in that time has built a an expansive network of service technicians nationwide. Choice has 2 plans for you to decide between. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered system or appliance.
For a more detailed breakdown, read our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
Basic Plan
Total Plan
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 Lisbon. AHS has about 26 years of experience in the home warranty industry and in that time has built a an expansive network of service technicians nationwide. AHS has 3 plans for you to decide between. 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 mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 for each covered system or appliance.
For a more detailed breakdown, read our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Lisbon. Cinch has about 44 years of experience in the home warranty industry and in that time has built a an expansive network of service technicians nationwide. Cinch has 3 plans for you to decide between. 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 mix of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 for each covered system or appliance.
For a more detailed breakdown, read our review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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 in Lisbon. HSC has about 15 years of experience in the home warranty industry and in that time has built a an expansive network of service technicians nationwide. HSC has 2 plans for you to decide between. 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 mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 for each covered system or appliance.
For a more detailed breakdown, read our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,307 |
| Heating | $4,205 |
| Electrical | $631 |
| Toilets | $526 |
| Washer/Dryer | $841 |
| Plumbing | $631 |
| Oven | $1,682 |
| Fridge | $631 |
A home warranty is a protection policy that helps Lisbon homeowners in lowering the costs of appliance and system repairs. The plans provide coverage to swap out or repair appliances and systems that break down 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 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 gives reassurance to homeowners because it helps prevent expensive emergency repairs. Home warranties are especially useful for older houses or those with aging systems. New homes with up-to-date appliances may not need a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include dishwashers, garbage disposals, washers, dryers, microwaves, refrigerators, and more. Included systems are usually air conditioning, heating, electrical, and plumbing. Many home warranty companies offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Lisbon 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, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't cover things like natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by your policy.
Here are some essential home warranty words to understand before signing a contract:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage varies, although most plans include protection for AC, electrical, plumbing, heating, and appliances. More extensive plans may also cover extra things such as roof leaks, pools, spas, and well pumps. Focus on providers with broad coverage options including upgraded plans. Flexibility like this will help you customize protection for your home's needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which is paid per repair request filed. The per-request costs can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some providers also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty company's reputation gives you insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Favorable ratings and reviews indicate a company known for stellar service.
Home warranty companies keep networks of contractors to handle covered repairs. More extensive networks raise the likelihood of getting qualified technicians to quickly service your home. Ask potential providers how many contractors they have in Lisbon to get a sense of how soon your repairs could happen in an emergency.
Some home warranty plans include extras such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These perks can add value beyond repair coverage. Added bonuses maximize the usefulness of your home warranty.
Lisbon’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 breaks down in the middle of July, a home warranty can cover the needed repairs, saving you from spending a lot of money out of pocket.
Plus, having a home warranty can save you time by eliminating the need to research repair people — most providers will send a trusted professional right to your door to do the repair or replacement. Additionally, having a home warranty can make your house more attractive to potential homebuyers should you ever decide to sell later. Many home warranty companies will allow you to transfer your plan to a new owner and give them the same protection you’ve been benefiting from.
Home warranties also have some cons. While it can give you less to worry about since the home warranty sends out a service technician who handles the repair for you, some may not like this, and they would rather choose their own contractor. If that’s important to you, some home warranty providers allow you to select a contractor.
Another stipulation is that home warranties typically only cover malfunctions due to normal wear and tear. They often won’t cover systems or appliances that have stopped working due to improper maintenance, natural disasters, animal infestations, etc.
A home warranty costs, on average, around $300 to $600 a year in Lisbon. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. Additionally, it's typically less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover issues 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 the entire home from natural disasters, which might not be too much of a concern in Lisbon. It doesn't cover a typical appliance or system repairs.
First-time homebuyers, real estate agents, homeowners, home sellers, and landlords can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
A home warranty policy can cover your home’s systems, appliances, or both. Combination plans are great if you'd like 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 plan lasts for a year and can be renewed yearly. Some companies may offer month-to-month plans.
Typically, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Lisbon, where the median home value is $502,441, having the seller pay for the home warranty can be a good asset for your new home.
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