Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Lisbon gives homeowners some great housing options 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 can bring you the peace of mind you need and shield your savings account from large expenses by covering your home’s major systems and appliances.
Choosing the best home warranty on the market can be challenging because of the numerous options out there. If you're tired of 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 around 15 years of experience in the industry and in that time has built a impressive network of service technicians in the country. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage. 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.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 for each covered system or appliance.
For a more detailed breakdown, read our Choice Home Warranty full review. To get a free quote from Choice Home Warranty, you can fill out this online form or call 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 around 26 years of experience in the industry and in that time has built a impressive network of service technicians in the country. The 3 plans from AHS are easily comprehensible and offer both system and appliance 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 for each covered system or appliance.
For a more detailed breakdown, read our American Home Shield full review. To get a free quote from American Home Shield, you can fill out this online form or call 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 around 44 years of experience in the industry and in that time has built a impressive network of service technicians in the country. The 3 plans from Cinch are easily comprehensible and offer both system and appliance 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.
The plans that Cinch offers to homeowners are 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 limits come out to about $1,000-$2,000 for each covered system or appliance.
For a more detailed breakdown, read our Cinch Home Services full review. To get a free quote from Cinch Home Services, you can 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 offers the best home warranty with the quickest service in Lisbon. HSC has around 15 years of experience in the industry and in that time has built a impressive network of service technicians in the country. The 2 plans from HSC are easily comprehensible and offer both system and appliance 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 for each covered system or appliance.
For a more detailed breakdown, read our The Home Service Club full review. To get a free quote from The Home Service Club, you can 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 | $6,307 |
| 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 typically air conditioning, electrical, plumbing, and heating. Many home warranty providers offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. It's important for Lisbon homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or improperly using a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
Home warranties use several terms that you'll want to understand before signing a contract, such as:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage can have major differences in what's included. Most plans provide coverage for heating, plumbing, electrical, AC, and appliances. More comprehensive plans also cover other items such as roof leaks, spas, well pumps, and pools. Focus on providers with broad coverage options including upgraded plans. Flexibility like this will help you customize your plan to meet your home's needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may seek out providers advertising lower service fees to optimize savings on each repair claim. Certain providers may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's reputation can give you insight into things such as approval rates, repair timeliness, contractor quality, and customer service. Use review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Positive ratings and feedback indicate a company known for great service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Contact potential businesses to ask how many repair technicians they have in Lisbon and get an idea of how fast your repairs could be handled in an emergency. Larger networks increase the chance of getting qualified contractors to quickly service your home.
Certain home warranty providers include extras such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These offer extra value beyond repair coverage. Added perks enhance your home and help maximize 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 repairs, saving you from spending unexpected money out of pocket.
A home warranty also can also save you time and energy. Instead of spending hours researching 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. Additionally, having a home warranty can help make your house more attractive to potential homebuyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the protection you’ve been receiving.
One of the major drawbacks of a home warranty is not everything may be covered. It’s important to compare the different policies and get one that covers all the appliances, systems, and add-ons you need.
Another thing to take into consideration is that some providers don’t cover pre-existing problems and may require an inspection before coverage begins. Ask the home warranty provider for clarification about these things if you need more information or if this is a problem for you.
A home warranty policy 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 lower your monthly bill with some companies by opting for a higher service fee. Additionally, it's typically cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover problems with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different 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 normal appliance or system breakage.
A home warranty can help investors, home sellers, homebuyers, homeowners, and real estate agents. It can provide peace of mind and savings to anyone involved in homeownership.
The different kinds of home warranties in Lisbon include plans that cover either appliances or systems as well as combination plans. A combination plan covers your home systems and appliances, including your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the items listed in the policy.
Generally, a home warranty policy lasts for a year and can be renewed yearly. Some companies 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 is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Lisbon, where the median value of a home is $502,441, having the seller pay for the home warranty can be a good asset for your new home.
