Our Top Picks vs
American Home Shield
SALE: $150 OFF + 2 Months Free
Available in all states
SALE: $50 OFF + 1 Month Free
Available in all states
Select Home Warranty
Free Roof Coverage
Unlimited Repairs
No home inspection required
Excellent
First American Home Warranty
Highest BBB customer review rating
Plans from $25/month
Good
9.1
First Premier Home Warranty
Free Roof Coverage
No home inspections needed
As a Homeowner, what benefits do I get from a Home Warranty?
Like many things in life, unexpected events always have a way of finding us and the costs can add up quickly. You didn’t see that pipe burst coming, did you? It’s time to rethink your finances. It all comes down to simple math. You now have a hefty mortgage payment each month AND your depleted savings to rebuild! This is the moment where you have to weigh your financial options in order to figure out the best way of tackling unforeseen events while also protecting your financial well-being.
Luckily, you bought a home protection plan that will cover a potentially costly situation, like that burst pipe, as well as many other issues both major and minor. A home warranty covers the costs of repairs or replacements due to situations that may affect both your home’s structure and the appliances inside .
After making one of the biggest financial investments of your life to make your dream come true, don’t you want to ensure it’s protected?
What is Covered by a Home Warranty?
Although the details of your coverage may vary, most Home Warranties cover these issues with the home’s structure and appliances:
- Central air conditioning and heating system malfunctions;
- Humidifiers and other moisture controlling devices;
- Interior electrical systems such as refrigerators, ranges, ovens, cooktops, dishwashers, microwaves (built-in or otherwise), washers and dryers or water heaters;
- Plumbing systems, garbage disposals, garage door openers, and roof leaks;
When might I need a Home Warranty?
As a general rule, Home Warranties are available to all new and existing homeowners. A home warranty proposal is normally presented to a home-buyer during the buying process. That being said, a buyer may choose not to purchase home warranty insurance until a later date. There are no time limits on protecting your largest asset! This means you benefit from doing your research and contacting multiple providers to ensure you find the right plan for your needs.
What will a Home Warranty cost me?
In most cases, a home warranty plan cost only a few hundred dollars. When bought while purchasing your home, this lump sum payment is usually claimed during the closing costs period of buying a home.
It is important to know that the person selling the property (whether the original owner or a real estate agent), a family member, or a friend —can legally acquire a home warranty on behalf of the buyer.
Should an insurance claim be filed for a faulty home appliance, for example, the owner may be responsible for paying any existing service fees or deductibles (normally less than $100). As with any form of insurance, fees may vary, so be sure to compare the many existing options and rates using our website before purchasing your home warranty plan.
How does the Home Warranty process work?
The process of filing a Home Warranty claim is very straight forward. Begin by carefully reading your insurance contract to confirm that the item that requires replacing or repair is covered by your plan, then you can file your claim. This will save the insurance employees time and avoid any potential disappointment. Once you’ve verified that your situation is indeed covered, simply follow these steps:
1. Contact your home warranty insurance company and inform them of your intent to file a claim;
2. A verification process will be undertaken by the insurance company in order to make sure that your home warranty plan covers the item in question;
3. An appointment will be scheduled between you and the warranty company’s designated local contractor in order to assess your claim;
4. Once your claim has been assessed by the contractor, he will either recommend to repair or replace the item;
5. The warranty company will authorize the recommended repairs and /or replacements to be carried out;
6. The homeowner will be responsible for paying a service fee to the warranty company;
7. The process is then complete and the claim is closed.
Summary
With such a wide range of providers and a truly impressive variety of plan options for homeowners to choose from, it all comes down to which home warranty company is best tailored to your specific needs.
As always, the best way to decide is to do thorough research and extensively compare what each plan has to offer. For example, if you have older appliances, it may be wise to include home appliance insurance to protect yourself from the likelier event of failure.
Still have not made up your mind and looking to get more information on insurance plans? Feel free to read some of our tips and tricks HERE
Think you know what you’re looking for and ready to take the next step? Then have a look at these home warranty reviews written by experts. Once you are confident that you have found the plan that suits your needs, all you have to do is contact the chosen company and rest assured that your home’s protection is being taken care of by professionals that truly care for your safety.
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Last Updated February 2021
The average cost to replace an air conditioning unit without a home warranty is $5500
Home Warranty Companies
9.6
8.9
Very Good
9.9
9.6
Service fee up to $150
Not available in all states
6.1
Choice Home Warranty
9.9
Outstanding
Home Service Club
24/7 customer and claim service
No Maintenance Records Required
No Inspection Required
9.4
Very Good
*Our Top Choice
Minimum Features
Service fee up to $150
Not available in all states
Mixed contractor reviews
Few discounts offered
Low contractor ability reported
Sale: $50 OFF + 1 Month Free
Covered over 1,650,000 homes nationwide
Handled 5,000,000+ service requests
15,000+ local technicians
No home inspection required
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Frank Islas
Creative writer and editor
Frank is an expert analyst and reviewer who has a wealth of experience. He is highly respected for his opinions and insights, and his reviews are sought after by both consumers and businesses alike.
Before You Buy A Home Warranty
— Get Covered For What You Need
A typical home warranty policy covers you for standard home systems, such as electrical, plumbing, heating & cooling. Some plans offer (free or as an upgrade) coverage for home appliances, such as refrigerators, washers, dryers, etc. Not all plans offer coverage for extras, such as roofing, pools or sewerage. So make sure you shop around to ensure the plan you buy actually covered everything you're worried about.
— Understand The Total Cost
Don’t get distracted by advertised monthly payments. There might be hidden fees so it’s always a good idea to shop around.
— Shop Around
Get several quotes to compare. The first place you can look is right here on our website! Most companies offer free quotes so you can do your research and find the right home warranty for you.
Compare Home Warranty Main Features
Covered over 1,650,000 homes nationwide
Handled 5,000,000+ service requests
15,000+ local technicians
No home inspection required
Regency Total Home Warranty
Lowest Service Call Fee
5/5 Rated with Consumer Affairs
24hr Claim Response Time
9.5
Excellent