Best Home Warranty Companies – Find Your Perfect Match
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1. AFC Home Club
- Choice of Your Own Technician
- Flexible Service Fee Structure
- Workmanship Guarantee
- Multiple Plan Options and Add-on Coverage
- Unmatched Flexibility: Choose from 4 customizable plans, including appliance-only and combination options, tailoring coverage to your specific needs. Unlike many competitors, you can even select your own service provider, ensuring a trusted technician tackles your repairs.
- Transparent Pricing: No hidden fees or deductibles here. You'll know exactly what's covered and the associated costs upfront, preventing budget surprises.
- Nationwide Coverage (Excluding CA & HI): Whether you're in a bustling city or a rural town, AFC Home Club has your back, offering peace of mind across most of the United States.
Pros:
- Extensive Customization: Tailor your plan and choose your service provider for ultimate control.
- No Hidden Costs: Transparent pricing with clear coverage outlines.
- Nationwide Availability (Excluding CA & HI): Widespread coverage for many homeowners.
- Additional Benefits: Value-added perks beyond standard warranties.
Cons:
- Higher Price Point: While AFC Home Club offers unparalleled service, it may come at a slightly higher price point compared to some competitors.
- Limited Coverage Options: No customization within individual plans.
- Unavailable in California & Hawaii: Excludes residents in these states.
Silver Plan ($40.00 per month): Includes coverage for nine essential systems, such as laundry machines, refrigerators, ovens, and garage door openers.
Gold Plan ($65.00 per month): Provides coverage for 15 appliances and systems, including washers, dryers, dishwashers, and garbage disposals, in addition to those covered by the Silver Plan.
Platinum Plan ($95.00 per month): Offers comprehensive coverage for 18 appliances and systems, encompassing laundry machines, refrigerators, HVAC systems, electrical, plumbing, and more, with additional benefits like coverage for ducts, faucets, and whole-house fans.
Diamond Plan ($150.00 per month): The most extensive plan, covering 23 appliances and systems, as well as electronics, smartphones, and exterior water and sewer plumbing.
Additional services and coverage options are available for:
- Sump pumps
- Well pumps
- Septic systems
- Electronics
- Pool and spa equipment
- Standalone freezers
- Central vacuum systems
- Roof leak repairs
- B rating from the Better Business Bureau (BBB). While not the highest, it indicates a generally positive customer experience.
- Positive reviews on independent platforms like Trustpilot. Customers appreciate the flexibility and transparency offered.
- Established company with over 25 years of experience. Demonstrates longevity and commitment to the industry
2. Liberty Home Guard
- $200 Off + 2 Free Bonus Months
- Free limited Roof Leak Protection
- Extensive Network of Technicians
- Wide Range of Add-on Options
- Multiple Plan Options: Choose from 3 basic plans and 4 add-on packages, tailoring coverage to your specific needs and budget.
- Direct Service Network: Liberty Home Guard boasts a vast network of pre-screened technicians, ensuring prompt and reliable service.
- Nationwide Coverage: Liberty Home Guard covers 43 states in the United States, excluding Alaska, Hawaii, Louisiana, and Missouri.
- Optional Roof Leak Coverage: Unlike many competitors, Liberty Home Guard offers this valuable protection in select regions.
Pros:
- Diverse Plans: Liberty Home Guard caters to a wide range of needs and budgets with its array of coverage options and add-ons.
- Efficient Service Network: Enjoy a streamlined service experience facilitated by Liberty Home Guard's pre-screened technicians.
- 24/7 Customer Support: Benefit from uninterrupted assistance whenever you require it, ensuring a seamless experience for homeowners.
- Optional Roof Leak Coverage: This additional protection offers invaluable peace of mind, particularly in regions prone to such issues.
Cons:
- Limited Availability: While Liberty Home Guard operates in 43 states, it unfortunately excludes Alaska, Hawaii, Louisiana, and Missouri.
- Varied Reviews: While many customers sing praises of the service, some have reported minor issues with claim processing and communication.
- Potential Wait Times: Depending on factors such as location and service demand, there may be slight delays in repair times.
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Appliance Guard ($49.99 per month): This plan covers nine essential appliances, including laundry machines, refrigerators, built-in microwave ovens, dishwashers, garbage disposals, ranges, ovens, cooktops, ceiling and exhaust fans, and garage door openers.
Systems Guard ($54.99 per month): Encompassing six vital systems, this plan provides coverage for air conditioning, heating, ductwork, plumbing, electrical, and water heaters.
Total Home Guard ($59.99 per month): By combining the Appliance Guard and Systems Guard plans, this comprehensive option extends coverage to a total of 15 appliances and systems within your home.
Moreover, you have the flexibility to enhance your coverage with additional services, including:
- Gutter cleaning.
- In-fridge or freestanding ice makers.
- Central vacuums.
- Pest control.
- Sump or well pumps.
- Limited roof leaks.
- Lawn sprinkler systems.
- Additional refrigerators.
- Generators.
- Hot water dispensers.
- Standalone freezers.
- Floor and carpet cleaning.
- Electronics protection.
- Septic system pumping.
- Re-key services.
- Water softeners.
- Pools and spas.
- Fixtures (lighting and plumbing).
- Swamp coolers.
- Ejector pumps.
- Grinder pumps.
- A- rating from the Better Business Bureau (BBB). This signifies a generally positive customer experience.
- Mixed online reviews: While some customers commend the service, others mention claim processing challenges and communication issues.
- Established company with over 20 years of experience. Demonstrates industry knowledge and commitment.
3. American Home Shield
- Offers Various Plan Options to Choose From
- Nationwide Network of Qualified Contractors
- Free annual HVAC tune-up (on select plans)
- Online Tools for Managing Your Plana
- Industry Leader: AHS boasts decades of experience, serving millions of homeowners across the nation. This translates to established processes, a vast network of technicians, and proven reliability.
- Comprehensive Coverage: Unlike many competitors, AHS doesn't just focus on appliances. They offer three tiered plans covering major systems like plumbing, electrical, and HVAC, alongside appliances.
- Flexibility: Choose the plan that suits your needs and budget. Opt for basic appliance coverage, combine systems and appliances, or upgrade to a premium plan with expanded protection and higher coverage limits.
- Transparency: AHS provides clear and readily available information on coverages, exclusions, and pricing.
Pros:
- Extensive Coverage: From refrigerators to water heaters, AHS offers protection for a wide array of essential home components, giving you peace of mind no matter what.
- Nationwide Availability: Wherever you call home in the United States, AHS has you covered. Their comprehensive network ensures that help is always just a phone call away.
- Multiple Plan Options: With AHS, flexibility is key. Choose the plan that best fits your needs and budget, without compromising on the level of protection you deserve.
- 24/7 Customer Support: Emergencies can happen at any time, which is why AHS provides round-the-clock customer support to address your concerns and expedite solutions.
- Convenient Mobile App: Manage your policy, request service, and track repairs with ease using AHS's user-friendly mobile app, putting control at your fingertips.
- Positive Customer Feedback: Countless satisfied clients praise AHS for their efficient service and helpful representatives, reaffirming their status as a trusted industry leader.
Cons:
- Competitive Pricing: While AHS plans may come with a slightly higher price tag compared to some competitors, the value and peace of mind they offer make them a worthwhile investment.
- Service Call Fees: Expect to pay a nominal fee per service call, in addition to your monthly premium, for prompt and professional assistance.
- Pre-existing Conditions: Coverage may not extend to issues existing prior to purchasing your AHS plan, so it's essential to be aware of your home's current condition.
- Occasional Claim Denials: Like any home warranty provider, AHS may deny claims under specific circumstances. However, their transparent processes and clear communication mitigate potential issues.
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American Home Shield offers three tiers of plans with varying coverage:
ShieldSilver ($29.99 per month): This plan covers 14 essential systems, including plumbing, heating, cooling, and electrical systems. Covered items include ducts, exhaust fans, electrical service panels, wiring, ceiling fans, garage door openers, water heaters, toilets, faucets, and jetted tub systems.
ShieldGold ($49.99 per month): In addition to the ShieldSilver coverage, this plan extends to nine additional systems. It includes all items covered in ShieldSilver as well as kitchen and laundry appliances, whirlpools, garbage disposals, laundry machines, microwaves, and certain maintenance services.
ShieldPlatinum ($79.99 per month): The most comprehensive plan, ShieldPlatinum, includes all the coverage in ShieldGold and adds protection for roof leaks, code violations, HVAC tune-ups, unlimited AC refrigerant, and increased coverage limits on select items.
Customers also have the option to add extra services and coverage for
- Electronics
- Pools and spas
- Well pumps
- Septic pumps
- Guest units under 750 square feet
- Roof leak repairs.
AHS maintains a stellar reputation in the industry, consistently ranking among the top home warranty providers. Their A+ rating from the Better Business Bureau and numerous positive customer reviews attest to their commitment to excellence. However, as with any large company, isolated negative experiences may occur, underscoring the importance of reviewing contracts and understanding claim procedures.
4. Cinch Home Services
- Offers Three Different Plan Levels
- 24/7 Mobile App Access
- 180-Day Workmanship Guarantee
- Free Water Sensor to Help Detect Leaks
- Digital-first approach: Manage your plan, submit service requests, and track repairs seamlessly through their user-friendly online platform and mobile app.
- 24/7 customer support: Get help anytime, anywhere with their responsive customer service team.
- Straightforward coverage plans: Cinch offers clear and concise plan options, making it easy to understand what's covered and at what cost.
- Nationwide network of technicians: Access a vast network of qualified technicians across the country, ensuring prompt service and expertise.
Pros:
- Competitive pricing: Cinch offers plans at various price points to fit different budgets.
- Comprehensive coverage: Their plans cover a wide range of major appliances and home systems, offering peace of mind.
- Fast and convenient service: Submitting service requests and tracking repairs is a breeze through their digital platform.
- Workmanship guarantee: Enjoy a 180-day workmanship guarantee on all repairs, ensuring quality and peace of mind.
Cons:
- Exclusion list: All home warranty companies have exclusions, and Cinch is no different. Be sure to read the fine print to understand what's not covered.
- Service call fee: Each service request comes with a service call fee, which can add up depending on the number of repairs needed.
- Limited coverage options: Compared to some competitors, Cinch offers fewer plan variations and customization options. Plans, Coverage, and Cost.
Here are the Cinch Home Services plans, designed to cater to your home protection needs:
Appliances Plan ($38.99 per month):
- This plan, priced at $38.99 per month, offers coverage for 13 essential appliances. These include washers, dryers, ranges, ovens, dishwashers, freestanding ice makers, and more.
- With this plan, you can have peace of mind knowing that your household appliances are safeguarded against unexpected breakdowns.
Built-in Systems Plan ($43.99 per month):
- Priced at $43.99 monthly, this plan provides coverage for 17 vital home systems. These include air conditioning, attic fans, electrical systems, plumbing systems, and more.
- From heating systems to smoke detectors, this plan ensures comprehensive protection for the integral systems in your home.
Complete Home Plan ($54.99 per month):
- At $54.99 per month, the Complete Home Plan combines the Appliances and Built-in Systems plans, offering coverage for a total of 30 appliances and systems.
- With this all-inclusive package, every aspect of your home is covered, providing you with unparalleled peace of mind.
In addition to these plans, Cinch Home Services allows you to add extra services and coverage for specific items and systems, including swimming pools, spas with heaters, septic systems, well pumps, and permits and code violations upgrades. This flexibility ensures that you can tailor your coverage to suit your unique needs and provide comprehensive protection for your home.
Cinch Home Services is a relatively new player in the market, but it has quickly gained traction due to its innovative approach and customer-centric focus. The company boasts an B+ rating from the Better Business Bureau (BBB) and generally positive customer reviews, indicating a commitment to quality service and resolving issues effectively.
5. American Residential Warranty
- Flexibility in choosing service providers
- Online Claim Submission
- Competitive Pricing
- Special Offers and Perks
Extensive Coverage: ARW offers various plans with comprehensive coverage for major home systems and appliances, like heating/cooling, plumbing, electrical, and major kitchen and laundry appliances.
Nationwide Network: They boast a vast network of pre-screened and licensed contractors across the country, ensuring quick and reliable service.
Competitive Pricing: ARW's plans are competitively priced compared to other leading home warranty providers.
Strong Customer Service: They prioritize customer satisfaction with 24/7 support and a user-friendly online portal for claims and service requests.
Positive Reputation: ARW enjoys a solid reputation with good ratings on independent review platforms like Trustpilot and BBB.
Pros:
Diverse Plans: Embrace the freedom of choice with our wide array of plans tailored to suit various needs and budgets.
Round-the-Clock Assistance: Experience the comfort of knowing our support team is available 24/7 to assist you with claims, no matter where you are.
Expert Contractors: Rest easy knowing that only the most qualified professionals handle your repairs, ensuring top-notch service every time.
Additional Enhancements: Elevate your coverage with optional add-ons, providing extra protection for specific items and enhancing your peace of mind.
Seamless Billing: Simplify the repair process with our direct billing system, streamlining payments directly to contractors for hassle-free transactions.
Cons:
Coverage Exclusions: It's essential to review the fine print to understand any exclusions, ensuring full clarity on what may not be covered.
Service Fee: Keep in mind that a nominal service fee applies per claim, which may slightly increase overall repair costs.
Limited Customization: While our plans offer comprehensive coverage, they come with pre-defined options, limiting customization to individual preferences.
Renewal Price Adjustments: Be aware of potential price adjustments upon renewal, although our commitment remains steadfast in providing value for your investment.
ApplianceMax ($45.99/month): Covers 7 key appliances including built-in microwave, dishwasher, garbage disposal, range, oven, refrigerator (with ice maker), and laundry machines.
SystemsMax ($59.99/month): Covers 6 essential home systems including central AC and heating, electrical system, plumbing, plumbing stoppages, and water heater.
TotalMax ($84.99/month): Includes everything in ApplianceMax and SystemsMax, plus garage door openers, humidifiers, dishwashers, and kitchen exhaust fans.
You have the option to enhance your coverage with additional services for the following items and systems:
- Electronics
- Water and sewer line
ARW holds an A- rating from the Better Business Bureau (BBB) and generally positive reviews on consumer websites. However, some customer complaints mention claim disputes and service quality concerns. It's essential to read reviews and understand the terms and conditions before purchasing any home warranty.
6. The Home Service Club
- Coverage for All Ages and Models
- Wide Network of Service Providers
- Replacement Guarantee
- No Pre-Purchase Inspection and Boasts
- Competitive Pricing: HSC offers monthly payment plans, making home warranty expenses more manageable. Their plans start at an affordable price point, though additional coverage incurs higher costs.
- Flexible Coverage Options: HSC goes beyond basic appliance coverage with add-on options for pools, septic systems, and even roof leaks. This flexibility allows you to tailor your warranty to your specific needs.
- No Age or Model Restrictions: Unlike some companies, HSC covers appliances regardless of age or model, offering wider protection for older homes.
- Fast Activation: HSC boasts a 10-day waiting period, significantly faster than the industry standard of 30 days, allowing you to access coverage sooner.
Pros:
- Customizable Coverage: Enhance your plan with add-ons such as pool and well pump coverage, ensuring that your specific needs are met.
- Hassle-Free Sign-Up: Say goodbye to tedious home inspections. HSC's streamlined process saves you time and effort.
- Speedy Claims Processing: With a commitment to resolving claims within 48 hours, HSC ensures that homeowners experience minimal disruption.
Cons:
- Trade Service Fees: Deductibles range from $65 to $125, potentially higher than some competitors.
- Mixed Customer Reviews: While some praise HSC's service, others report difficulties with claim denials and slow responses.
- Limited BBB Rating: The Home Service Club currently holds a C- rating with the Better Business Bureau.
- Potential Upselling: Some customers report being pressured to purchase add-ons they don't need.
Standard Coverage at $51.25 per month: offers protection for 19 crucial systems and appliances, encompassing AC, heating, plumbing, leaks, electrical system components, as well as kitchen and laundry appliances.
Comprehensive Coverage at $62.50 per month: extends the protection provided in the Standard Coverage, adding coverage for an extra 11 items, summing up to a comprehensive total of 30 systems and appliances.
You have the option to enhance your coverage by adding extra services for the following items and systems:
- Water softener
- Pool and spa equipment and heaters
- Dual compressor refrigerator
- Jet tub
- Well and sewage pumps
- Roof protection
- Sprinkler system
- Freezer
- Utility lines
While HSC's reputation may be subject to scrutiny, the overwhelming majority of customers have experienced prompt and reliable service. Positive reviews underscore the company's commitment to customer satisfaction, while any negative feedback serves as an opportunity for continuous improvement.
Understanding Home Warranties: Protection Against Appliance and System Breakdowns
A homeownership journey comes with unexpected challenges, and often, these challenges involve breakdowns of essential appliances and home systems. Repairing or replacing these crucial components can significantly strain your budget. This is where home warranties come in, offering a potential safety net against such unforeseen expenses.
What is a Home Warranty?
A home warranty is essentially a service contract between a homeowner and a warranty company. For an annual fee, the company agrees to cover the repair or replacement costs of certain covered items in your home, up to a specified limit, in case of breakdowns due to normal wear and tear or malfunctions. It's important to remember that home warranties are not the same as homeowners insurance, which protects your property against damage from specific events like fire, theft, or weather.
What Does a Home Warranty Typically Cover?
The specific coverage details vary depending on the provider and plan you choose, but common inclusions can encompass:
- Major appliances: refrigerators, dishwashers, ovens, garbage disposals, washing machines, dryers
- Home systems: heating and air conditioning systems (HVAC), plumbing systems, electrical systems, water heaters
Benefits of a Home Warranty
- Predictability: Knowing you have coverage for repairs can provide peace of mind and help you budget more effectively.
- Convenience: The warranty company takes care of finding a qualified technician to diagnose and repair the covered item.
- Cost savings: Replacing major appliances or repairing complex systems can be expensive. A home warranty can potentially save you significant money compared to paying out of pocket.
Things to Consider Before Getting a Home Warranty
- Cost: While annual fees are typically modest, they can add up over time. Weigh the cost against the potential benefits and the likelihood of needing repairs.
- Coverage exclusions: Carefully review the contract to understand what's not covered. Pre-existing conditions, certain types of damage, and specific appliance models might be excluded.
- Service network: Check the company's reputation and the quality of its service network in your area.
- Alternatives: Consider self-insuring by setting aside a dedicated fund for potential repairs or exploring individual appliance warranties.
Conclusion
A home warranty can be a valuable tool for homeowners, particularly those with older appliances or facing financial constraints. However, it's crucial to do your research, understand the limitations, and compare different providers before making a decision. By carefully evaluating your needs and budget, you can determine if a home warranty is the right fit for your situation.
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