7 Best Home Warranty Companies of February 2024

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Since 2020, our writers and editors person spent thousands of hours researching nan champion location warranty companies. We’ve vetted 22 location warranty providers and evaluated them utilizing complete 15 information points, including coverage, argumentation exclusions and pricing. Based connected this research, we picked nan apical 7 companies successful nan market, which see American Home Shield, Liberty Home Guard and Select Home Warranty.

Money's Main Takeaways

• Home warranties screen location strategy and appliance malfunctions owed to normal deterioration and tear.

• Home warranty companies typically connection plans for location systems, appliances aliases a operation of both.

• Home warranty companies complaint a work telephone fee.

• Home warranty companies exclude harm from pre-existing conditions.

Our Top Picks for Best Home Warranty Companies

• Select Home Warranty: Best for Roof Coverage
• American Home Shield: Best for HVAC
• Liberty Home Guard: Best for Optional Add-Ons
• First American Home Warranty: Best Starter Plan
• AFC Home Club: Best Premiums
• Cinch Home Services: Best Systems Plan
• 2-10 Home Buyers Warranty: Best Enhanced Coverage

Best Home Warranty Company Reviews

Before you start, support successful mind that astir location warranty companies person a waiting period, that is, a definite magnitude of clip you person to hold earlier you tin make a claim. All nan companies reviewed beneath person a 30-day waiting period.

Why we chose this company: Select Home Warranty plans see tile leak sum and aggregate discount promotions passim nan year.

Select Home Warranty offers immoderate notable discounts, including 2 months of free work if you salary for a afloat twelvemonth upfront, and typical discounts erstwhile you motion up for much than 1 year. The institution besides has occasional promotions that sound disconnected betwixt $100 and $200 for caller sign-ups.

Select has 3 plans: Bronze Care, Gold Care and Platinum Care, which costs betwixt $42 and $55 per month. Bronze Care covers appliances, while Gold Care focuses connected systems. The astir costly plan, Platinum Care, combines some for much broad coverage. Service interest is group astatine $75. In addition, each 3 plans screen tile leak repairs.

Do statement that nan institution whitethorn headdress payouts per strategy aliases appliance astatine $150 if you can’t supply 3 years’ worthy of attraction records. Other than that, HVAC systems are capped astatine $3,000, and appliances, plumbing and electrical astatine $500. Extra sum options are capped astatine $400 for repair aliases replacement.

Read nan afloat Select Home Warranty review

See specifications connected Select's Secure Website >>

Why we chose this company: We chose American Home Shield arsenic our champion location warranty for HVAC because it offers free HVAC tune-ups pinch its premium scheme and less restrictions successful sum than astir competitors.

With American Home Shield, clients tin take from 3 broad plans and customize them by adding sum for different systems and appliances, including location electronics and intermezo products.

AHS’ broad plans — ShieldSilver, ShieldGold and ShieldPlatinum — together screen much than 23 location appliances and systems. In addition, its premium plan, ShieldPlatinum, covers up to $1,500 for tile leaks repair, HVAC tune-ups, codification violations and AC refrigerant.

You tin besides adhd sum for different systems and appliances, specified arsenic septic pumps, pools, location electronics, intermezo products and impermanent units.

AHS is much lenient than astir erstwhile it comes to liability limitations. According to its sample contract, sum includes:

• Old items, sloppy of age
• Repairs caused by insufficient maintenance
• Malfunctions owed to rust, corrosion aliases sediment
• Improper installations
• Undetected pre-existing conditions
• Items without attraction records
• Removal of defective items
• Duplicates of nan aforesaid point (or appliance)

Monthly payments alteration depending connected nan authorities and nan selected repair work fee, which tin beryllium customized from $100 aliases $125 per work call.

Read nan afloat American Home Shield review.

See specifications connected American Home Shield's Secure Website >>

Why we chose this company: Liberty Home Guard has nan astir extended database of add-ons successful nan market, including seldom covered items specified arsenic gutter cleaning.

Liberty Home Guard stands retired for its database of imaginable add-ons. Customers tin take from complete 40 items to adhd to their sum — nan astir extended database of add-ons successful nan location warranty market.

The database includes items commonly recovered successful different location warranty companies — pools, spas, good pumps, sump pumps, cardinal vacuums — and other, much seldom covered items specified arsenic constricted tile leaks, replacing locks, gutter cleaning, (seed) disease power and electronics protection.

Liberty Home Guard offers 3 types of plans: 1 for appliances, 1 for systems, and 1 that covers both. Liberty covers celebrated systems and appliances specified arsenic aerial conditioning, heating, plumbing, electrical, washing machines, dryers and refrigerators.

Additionally, a realtor portal allows existent property agents to partner pinch Liberty Home Guard truthful that you tin acquisition a location warranty earlier nan closing date. This is peculiarly useful if you want your protection scheme to commencement instantly aft closing your owe deal.

Its per-claim work interest is $90, pinch a payout limit of $2,000 per covered item.

Read nan afloat Liberty Home Guard review.

See specifications connected Liberty Home Guard's Secure Website >>

Why we chose this company: First American Home Warranty's starter scheme offers broad basal sum for cardinal appliances and systems, astatine a competitory price.

With First American’s Starter Plan, you get broad sum for 9 costly-to-repair appliances and systems starting from $42 a month.

This basal scheme offers sum for:

• Dishwasher

• Kitchen refrigerator

• Kitchen scope hood

• Built-in microwave oven

• Oven, scope aliases cooktop

• Plumbing (including stoppage, toilet tanks, bowls and mechanisms)

• Electrical systems (plugs, wiring, conduit, fuses, circuit breakers and others)

• Ductwork

• Heating system

Clients who request much broad sum tin take nan company’s Essential aliases Premium Plan.

All plans screen damages caused by deficiency of maintenance, rust, corrosion and chemic aliases sedimentary build-up, which whitethorn beryllium captious if you’re buying an older home. Plans besides characteristic constricted tile leak coverage, which see leaks caused by normal tear and deterioration to tar and gravel, tiles, shingle aliases creation roofs.

Essential and Premium see sum for malfunction owed to improper installations, modifications and erstwhile repairs. It besides covers expenses associated pinch building permits, hauling and nan usage of cranes aliases lifting equipment.

First American lets you take from 3 work interest options: $75, $100 aliases $125. Additionally, astir appliances person a payout limit of up to $3,500 for diagnosis, repairs and replacements pinch nan Starter and Essential Plan. With nan Premium plan, however, nan limit increases up to $7,000.

Read nan afloat First American Home Warranty review.

See specifications connected First American's Secure Website >>

Why we chose this company: AFC Home Club lets you take your ain work contractors and offers affordable premiums, including 2 hybrid plans (that screen some systems and appliances).

AFC Home Club (America’s First Choice) caught our attraction for its affordable premiums. AFC’s plans see a systems plan, an appliances scheme and 2 hybrid plans covering some systems and appliances.

As pinch different location warranty companies, AFC pricing depends connected nan chosen work interest ($75, $100, $125). Monthly premiums for 1 twelvemonth contracts scope from $40 for nan Silver Plan up to $80 for nan astir broad Platinum Plan (depending connected your location).

However, customers tin take betwixt a one-year statement aliases a three-year statement term, redeeming up to 10% per period if they take nan three-year option.

In addition, AFC Home Club has 1 of nan strongest work guarantees successful nan industry: some parts and labour are guaranteed for nan life of nan contract. This intends that you don’t person to salary if you acquisition nan aforesaid problem aft a repair.

Read nan afloat AFC Home Club review.

See specifications connected AFC Home Club's Secure Website >>

Why we chose this company: Cinch Home Services’ strategy scheme includes sum for items that different location warranty companies connection arsenic an add-on, specified arsenic sump pumps, h2o dispensers and fume detectors.

Like different contenders successful our list, Cinch Home Services offers 3 warranty plans: 1 for appliances, different for systems and a complete location plan, which covers both.

What stands retired astir Cinch plans is that they see sum for items that different companies see add-ons. For instance, Cinch’s appliance scheme covers freestanding crystal makers and built-in nutrient centers, while its strategy scheme covers sump pumps, doorbells, fume detectors and tankless h2o heaters.

Cinch services are backed pinch a 180-day workmanship guarantee connected activity performed. This is considerably longer than nan 30- and 90-day guarantee astir companies connection (except for AFC Home Club, which offers a work guarantee for nan life of nan contract).

Other benefits see sum for chartless pre-existing conditions and for malfunctions caused by rust and corrosion.

It does person 1 drawback: Cinch has higher work fees than different contenders successful our list, pinch fees starting astatine $100 to $150.

Read nan afloat Cinch Home Warranty review

See specifications connected Cinch Home Warranty's Secure Website >>

Why we chose this company: 2-10 Home Buyers Warranty’s premium scheme covers a wide scope of items that astir location warranty companies don’t, specified arsenic turntable platforms, rotisseries, ceramic cooktops and concrete-encased plumbing.

2-10 Home Buyers Warranty has astir 40 years of acquisition and offers services to each 48 states successful nan contiguous United States.

2-10 HBW offers 3 location warranty plans. Its astir basal plan, Simply Kitchen, includes sum for main room appliances only — specified arsenic refrigerators, cooktops, microwaves, oven, dishwasher and ranges. The mid-tier plan, Complete Home, covers nan aforesaid room appliances on pinch awesome location systems, including aerial conditioning, heating systems, plumbing and electrical.

The Pinnacle Home plan, connected nan different hand, includes sum for appliances and systems positive a wide scope of components, specified as:

• Handles, hinges, clocks, racks, latch assemblies, rotisseries, turntable platforms, solid and ceramic cooktops, self-cleaning mechanisms

• Filters

• Haul distant and disposal fees

• Crane cost

• Attic and bath exhausts fans

• Burglar and occurrence alarms

• Concrete encased and concealed wiring aliases plumbing

• Refrigerant betterment and recharge

• Interior and exterior hose bibbs

Unlike different location warranty companies, 2-10 HBW doesn’t see sum for car shed doorway openers, washers aliases dryers. However, customers tin adhd these to their scheme for an further cost, alongside sum for tile leaks, pools, septic systems, good pumps, h2o softeners, HVAC tune-ups and further refrigerators.

Customers tin besides take to summation appliance and systems sum limits to $5,000 (as opposed to nan modular $2,000) by adding nan Luxury package for an further $6 per month.

All 3 plans travel pinch 2-10 HBW’s Appliance Discounts Program which gives you discounts of up to 65% disconnected connected Whirlpool and GE brands. 2-10 HBW besides offers to lucifer your appliance colour during replacements and a $100 reimbursement if you determine to switch a surgery appliance alternatively of requesting service.

In addition, 2-10 HBW offers a Service Fee Guarantee. This intends that if a petition is not eligible for service, 2-10 HBW will refund your work fee. It besides intends that you don’t person to salary different work interest if nan aforesaid constituent fails aft a service.

Read nan full 2-10 Home Buyers Warranty review.

See specifications connected 2-10 Home Buyers Warranty's Secure Website >>

Other location warranty companies we considered

We researched a wide array of companies successful bid to find nan champion location warranty. The pursuing are companies that didn’t make nan last cut.

American Residential Warranty

American Residential Warranty is disposable nationwide and presently offers 3 location warranty plans.

ARW’s Appliance Max scheme covers astir communal room appliances — for illustration cooktops, ranges, microwaves and dishwashers — on pinch apparel dryers and washers. Systems Max covers communal location systems specified arsenic plumbing systems, cardinal location heating and aerial conditioning. ARW’s Total Max bundled scheme covers each systems and appliances, successful summation to car shed doorway openers, humidifiers and ceiling fans.

You tin besides adhd electronics protection, which covers thing from laptops, gaming consoles and tablets to printers and plasma TVs. Other add-ons see h2o and sewer statement plans.

Read nan afloat American Residential Warranty review.

See specifications connected American Residential Warranty's Secure Website >>

Choice Home Warranty

Choice Home Warranty features 2 plans that screen astir appliances and systems and charges a modular $85 work fee. Choice Home Warranty prices are affordable, pinch plans starting astatine astir $46.

However, nan company’s sum caps are somewhat little than nan competition, and it lacks elasticity connected its sum conditions. In addition, nan institution has a pending authorities action successful Arizona for allegedly making mendacious promises to customers and utilizing bad-faith refusals to debar paying for repairs.

Read nan afloat Choice Home Warranty review

See specifications connected Choice Home Warranty's Secure Website >>

Elite Home Warranty

With Elite Home Warranty you tin bargain immoderate of its 3 main plans aliases create your ain customized scheme for nan systems and appliances you choose.

Elite is 1 of nan fewer companies that lets you take a $0 work telephone (although that will mean an accrued yearly premium). You tin besides summation nan policy’s maximum sum limits for an further cost. However, speech from nan regular 30-day waiting period, nan institution has a 90-day constricted sum period. During this time, nan institution will screen up to nan magnitude paid successful your agreement.

Elite is disposable successful 46 states and, arsenic of this writing, doesn’t work nan pursuing states: California, Texas, Washington aliases Wisconsin.

See specifications connected Elite Home Warranty's Secure Website >>

ServicePlus Home Warranty

Founded successful 2016, ServicePlus Home Warranty is simply a reasonably caller location warranty institution that offers 2 different plans. The basal 1 covers a operation of systems and appliances specified arsenic plumbing, electrical and astir room appliances; nan premium 1 covers each that positive A/C and heating systems, washers, dryers and refrigerators. Customers tin besides take complete a twelve add-on options to information retired their coverage. An important drawback, however: ServicePlus doesn’t connection an appliance aliases a systems-only plan, which different competitors successful our database do.

See specifications connected ServicePlus Home Warranty's Secure Website >>

Old Republic Home Protection

With complete 45 years of experience, Old Republic Home Protection services 32 states, including Hawaii. It offers sum for a wide scope of systems and appliances, though covered components alteration by state. Some perks see electronics and smart location instrumentality plans and sum for (seed) disease power treatments successful immoderate locations. Do note, however, that Old Republic Home Protection doesn't let customers to petition quotes aliases use for a location warranty online.

Read nan afloat Old Republic Home Protection review

See specifications connected Old Republic's Secure Website >>

Landmark Home Warranty

Landmark Home Warranty utilized to connection 2 location warranty plans: a systems only scheme and a broad scheme that covers some systems and appliances. However, Landmark has now collaborated pinch American Home Shield, and offers different types of location warranties done that brand.

See specifications connected Landmark Home Warranty's Secure Website >>

Compare nan Best Home Warranty Companies

Best Home Warranty Guide

This guideline covers nan basics connected what a location warranty is, nan different types of sum plans they connection and really to find whether that monthly premium is really worthy it. It besides includes important factors to support successful mind arsenic you’re choosing a plan.

• What is simply a location warranty?
• Is a location warranty worthy it?
• How overmuch does a location warranty cost?
• How to take nan champion location warranty plan
• What does a location warranty cover?
• What a location warranty won’t cover?
• Home warranty vs. location insurance
• How to understand location warranty contracts
• How to record a location warranty claim
• What voids a location warranty?
• Home warranty alternatives
• More astir Home Warranty
• Best Home Warranty Companies FAQs

What is simply a location warranty?

A home warranty is simply a work statement that helps you salary for repairs if and erstwhile awesome family systems aliases appliances break down.

Unlike homeowners insurance, which provides sum for damages caused by earthy disasters, theft aliases accidents, location warranties thief screen nan costs of repairing aliases replacing location systems aliases appliances erstwhile circumstantial parts and components neglect owed to normal deterioration and tear.

How does a location warranty work?

Once a location warranty statement is successful effect, you tin interaction your institution and petition a work for a covered strategy aliases appliance malfunction.

If nan malfunction is listed successful your policy, nan institution will, then, nonstop a qualified contractor successful your area to diagnose and repair nan problem. Depending connected nan situation, immoderate providers whitethorn opt to switch your point instead, up to nan covered magnitude stated successful your contract.

Prior to receiving nan service, you are typically required to salary a work interest aliases deductible ranging from $50 to $150. The nonstop magnitude is decided astatine nan infinitesimal of choosing a argumentation and should beryllium listed successful your contract.

Is a location warranty worthy it?

The pursuing database of factors whitethorn thief you find whether purchasing a location warranty is worthy it:

How overmuch does a location warranty cost?

A home warranty costs anyplace from $300 to $700 annually, aliases betwixt $30 to $80 a month, depending connected nan type of scheme you choose. Typically, systems and appliances-only plans are little priced than all-inclusive plans.

The work fee, which is nan magnitude you work together to salary for each repair visit, besides plays a cardinal domiciled successful location warranty plans pricing. Plans pinch higher work fees will mostly costs little per period than plans that complaint a little work fee.

The astir cost-effective location warranty plans onslaught a equilibrium betwixt price, types of items covered, work interest and payout limits.

Factors that power location warranty costs

Several factors tin impact nan costs of your location warranty policy, including:

• Coverage: The type of location warranty sum you take is nan facet that astir influences your location warranty cost. Systems aliases appliance-only plans mostly costs little than broad plans that screen some awesome systems and appliances. As is to beryllium expected, nan much extended nan coverage, nan higher nan cost. Add-ons tin besides summation your premium.

• Service telephone fee: Another facet that straight affects nan costs of your location warranty argumentation is nan work telephone fee, aliases deductibles. Lower work telephone fees mostly connote higher monthly payments, whereas plans pinch higher work fees costs little per month.

• Home size: Some location warranty companies see nan type of spot and size of your location — that is, nan quadrate footage aliases number of rooms — successful their pricing. Larger homes aliases homes pinch unsocial features mostly require much extended (or customized) coverage, which leads to higher premiums.

• Location: Pricing tin alteration depending connected wherever you unrecorded too, chiefly owed to differences successful costs of living. Companies whitethorn besides facet successful circumstantial biology conditions that impact nan emblematic deterioration and tear of location systems successful your region. These variations often consequence successful higher aliases little premiums.

How to take nan champion location warranty plan

As you browse location warranty companies and plans, support nan pursuing things successful mind earlier signing connected that dotted line.

1. Get different quotes and compare

Get astatine slightest 3 free quotes from different companies and comparison nan pricing and coverage. In summation to nan monthly payment, comparison each company’s work telephone fee. This is nan magnitude you will salary whenever you petition a repair from nan company. Service fees tin scope anyplace from $50 to $150, though astir location warranty companies typically complaint betwixt $75 to $125.

2. Read sample contracts

Identify nan limitations and exclusions successful nan statement and cheque payout limits. Pay typical attraction to nan appliances you already person and really nan policies whitethorn dainty claims connected these successful particular.

3. Evaluate liability limitations

Aside from limiting sum to circumstantial parts and components, location warranties person sum limits aliases caps, which are nan maximum magnitude nan institution will salary for a covered malfunction. Because sum caps alteration wide from institution to company, it’s important you measure them and make judge you take a scheme that includes capable sum for your needs.

4. Check differences successful authorities licensing

Research and reappraisal location warranty regulations to guarantee nan institution is licensed and legally allowed to do business successful your state. The security commissioner aliases Department of Consumer Protection oversees location warranty companies successful galore states. Check retired this State Licensing Guide to find your section regulator.

5. Gauge a company's reputation

When evaluating a location warranty company’s reputation, it’s important to do a broad hunt for its sanction online. Make judge to publication customer reviews and, especially, beryllium connected nan lookout for immoderate grounds of caller ineligible action taken against nan company.

What does a location warranty cover?

Generally, location warranty companies connection sum for nan aforesaid array of location systems and appliances. Some companies besides connection optional sum options that you tin see for an other fee.

Companies usage a wide scope of names for their different plans — Gold, Platinum, Bronze, Basic, Premier, etc. — but astir plans autumn into 3 basal categories: a systems plan, an appliances scheme and a hybrid aliases combo plan, which covers both.

Below is simply a database of communal items that astir location warranties cover:

What a location warranty won’t cover?

Most location warranty companies exclude harm from pre-existing conditions (known aliases unknown) your strategy mightiness have. They whitethorn besides limit sum to circumstantial parts of your systems and appliances. These exclusions are typically listed successful nan good print, which is why it’s important you publication complete immoderate contracts carefully.

Companies are besides not liable for malfunctions caused by acts of quality specified arsenic fire, flood, earthquakes aliases storms. (The second are covered by homeowners security aliases flood security policies.)

Other items and events that whitethorn not beryllium covered include:

• Cosmetic issues, specified arsenic scratches aliases dents
• Appliances pinch progressive shaper warranties
• Components for illustration ray fixtures, knobs, handles aliases hinges
• Structural parts of your home, specified arsenic doors, windows, chimneys aliases floors
• Breakdowns caused by deficiency of attraction aliases improper installation
• Removal aliases replacement of damages caused by mildew, mold, rot aliases fungus
• Malfunction resulting from rust, corrosion, toxic materials
• Items pinch altered serial numbers
• Damage caused by animals aliases insect infestation

Home warranty vs. location insurance

The main quality betwixt a location warranty and homeowners security is what each 1 covers and nether what circumstances. Below are immoderate cardinal differences:

How to understand location warranty contracts

Before signing up pinch a peculiar location warranty provider, return nan clip to understand nan contract. Below are 3 main points to review:

• Check what items are covered: Although astir location warranty companies screen akin items, location tin beryllium important variations connected their plans. It’s important you publication nan good people and corroborate that nan institution provides sum for nan items you want to protect.

• Understand sum caps: Generally, location warranty companies database sum caps for peculiar systems and appliances. Coverage caps are nan maximum magnitude nan institution will salary to repair aliases switch a covered point per statement term.

• Find what’s not covered: Keep an oculus retired connected nan components aliases events that are not covered. Most providers database circumstantial limitations and exclusions connected their contracts. For instance, immoderate companies whitethorn screen tile repairs but exclude metallic roofs and roof-mounted installations from their coverage.

Questions to inquire your location warranty provider

If aft reviewing nan sample statement you person questions astir sum aliases nan location warranty plan, make judge to inquire nan provider. These are immoderate bully questions to ask:

• Is location a waiting play earlier sum begins?

• What is nan work interest (or deductible)?

• Can I take my ain work contractor to execute repairs?

• Is location a limit connected really galore times I tin petition a service?

• Are location immoderate cancellation fees aliases penalties?

• What are nan sum caps aliases maximum payouts per point aliases statement term?

• Are pre-existing conditions covered?

• Can I customize my sum aft purchasing a location warranty plan?

• What is nan argumentation connected replacements versus repairs?

How to record a location warranty claim

The process of filing a location warranty claim tin alteration from institution to company. However, it could mostly see nan pursuing steps:

1. Request a service: Most location warranty companies require that you notify a malfunction arsenic soon arsenic it happens. You tin typically do this by calling their customer work number aliases submitting a declare online, if nan institution has an online portal.

2. Coordinate repairs: Once your declare is approved, nan warranty supplier will typically schedule an assignment pinch a work technician. If your statement states that you tin take your own, you whitethorn schedule a sojourn pinch an authorized contractor directly.

3. Pay nan work telephone fee: Depending connected your location warranty policy, you whitethorn person to salary a work telephone interest aliases deductible upon requesting a service. This interest should beryllium already specified successful your contract.

What to do if your location warranty declare is denied

A denied location warranty declare tin beryllium frustrating, but earlier you determine to salary for repairs retired of pocket, return nan clip to understand nan reasons for nan denial. Here are immoderate steps you tin return if your location warranty declare is denied:

1. Review nan denial letter: Your location warranty institution should nonstop you a written notification pinch nan reasons for nan denial. Identify them and reappraisal your location warranty statement to corroborate whether your declare is so covered aliases not. If you person capable accusation to judge that your declare should beryllium covered, see making an appeal.

2. Gather documentation: Maintenance records, photos and pre-inspection archiving whitethorn beryllium adjuvant to reside your denial. You whitethorn besides petition a transcript of nan company’s inspection report. This measurement you tin cognize nan specifics of nan test and look for a 2nd sentiment pinch an independent contractor.

3. File an appeal: Once you cod each nan applicable documentation, scope retired to nan institution and talk nan denial. Ask for explanation connected nan reasons down nan determination and inquire for nan process for filing an entreaty aliases caller claim. During this process, support a grounds of each communications pinch nan company, including names, dates and specifications of nan conversations.

If your efforts to resoluteness nan rumor pinch nan institution are unsuccessful and your denial appears to beryllium successful usurpation of nan position successful your contract, see filing a title pinch a user protection agency successful your authorities aliases user organizations for illustration nan Better Business Bureau.

What voids a location warranty?

Each location warranty supplier has its ain group of rules regarding nan factors that could void your location warranty for a circumstantial strategy aliases appliance. In immoderate instances, a location warranty declare whitethorn beryllium denied for nan pursuing reasons:

• Unauthorized repairs aliases modifications, whether by utilizing an unapproved contractor (licensed aliases not) aliases attempting to do nan repairs yourself

• Improper attraction aliases installation

• Home betterment projects

• Pre-existing conditions

• Failing to support your location up to building codes

• Misplacing ownership documentation

The “proper maintenance” grey area

Sometimes location warranty sum is contingent connected nan “proper maintenance” of systems and appliances. This intends location warranty repairs won’t beryllium covered if nan malfunction was caused by a nonaccomplishment to travel nan manufacturer’s attraction specifications. However, companies often don’t supply clear guidelines arsenic to what constitutes due regular maintenance.

Some contracts springiness actual examples specified as:

• Changing filters
• Flushing nan h2o heater
• Sanitizing your h2o filter
• Keeping due refrigerant levels
• Cleaning coils

However, sum will yet dangle connected whether nan location warranty’s work technicians determine location was due maintenance.

TIP: If you bargain a location warranty, return pictures and archive that attraction of nan appliances is being routinely performed.

How do I cancel my location warranty?

The cancellation process tin alteration from 1 institution to another, nevertheless location are immoderate wide steps you tin follow:

• Review your contract: Check nan cancellation argumentation of your statement and immoderate fees that whitethorn apply. Most companies complaint a cancellation interest that tin scope from $25 to $75, aliases 10% of nan fees you person yet to pay. This intends you whitethorn person a prorated refund. However, companies typically supply a afloat refund if you cancel wrong nan first 30 days of purchase.

• Contact nan location warranty company: Call aliases email your location warranty supplier and fto them cognize you intend to cancel your policy. A institution typical whitethorn beryllium capable to guideline you done nan specifics. In immoderate cases, you whitethorn request to nonstop a written announcement of termination, which you should nonstop via registered station aliases courier if possible, to make search easier.

• Cancel your payment: If your payments are automatically charged to a in installments paper aliases slope account, make judge to cancel nan automated costs pinch nan corresponding institution.

• Follow up: It whitethorn beryllium a bully thought to petition a written confirmation of nan cancellation straight from nan company.

Keep successful mind that moreover though astir location warranty contracts are valid for 1 twelvemonth (unless you enroll successful a multi-year plan), your location warranty scheme whitethorn auto-renew if you enroll successful automated payments. If that’s your case, make judge to cancel nan scheme and automatic costs astatine slightest 2 weeks earlier nan renewal date.

Home warranty alternatives

Home warranties person limitations and exclusions that headdress payout amounts and/or limit sum to circumstantial parts, which tin still time off immoderate of your valuable appliances without sum if they malfunction.

They besides complaint work fees whenever you taxable a claim, successful summation to charging a monthly aliases yearly amount.

There are, however, different alternatives to thief you screen unforeseen repairs to your location appliances aliases equipment:

Existing warranties

Many appliances travel pinch manufacturer's warranties that screen defects and malfunctions for a circumstantial play of time. Before purchasing a location warranty plan, cheque if your appliances are still covered nether nan shaper (or nan retailer if you purchased individual coverage) and whether it’s imaginable to widen its coverage.

Extended warranties

Many retailers fto you acquisition extended warranties for brand-new appliances straight from them. It whitethorn beryllium worthy considering adding this type of protection if you’re readying connected buying appliances immoderate clip soon. Although not an nonstop substitute for location warranties, these extended warranties tin thief you screen unexpected malfunctions, successful immoderate cases for up to 3 years.

We’ve reviewed immoderate options, specified as:

• Home Depot extended warranty
• Costco appliance protection
• Maytag appliance warranty
• Samsung appliance warranty

Build an emergency fund

Instead of paying a monthly interest to a company, you could besides group that money speech arsenic an emergency fund to screen repair services, attraction costs aliases different unexpected expenses arsenic they arise.

Provide regular maintenance

Performing and scheduling regular attraction connected your appliances, plumbing and HVAC systems tin thief you widen their usable life and forestall malfunctions that tin originate from improper usage aliases deficiency of maintenance.

More astir location warranties

• Do you request a location warranty?
• 8 Reasons Your Home Warranty Claim Might Be Denied
• What Does a Home Warranty Cover?
• HVAC Repair Costs Are Soaring. Can Home Warranties Help?

How We Chose nan Best Home Warranty Companies of 2024

Since we first started reviewing location warranty companies successful 2020, we’ve spent complete a 1000 hours researching nan apical providers successful nan country, thoroughly vetting 22 different location warranty companies.

Our methodology focuses connected 4 cardinal factors: transparency successful services offered, claims processing, costs and value of customer service.

We cautiously analyzed sample contracts from our apical contenders and evaluated them connected criteria specified arsenic statement terms, types of malfunctions aliases failures covered, payout limits, cost-efficiency and work fees. We besides analyzed and compared their plans, sum limitations and pricing.

We compared them utilizing nan pursuing factors:

Services offered. We compared companies’ offerings and sum caps to find nan ones that offered nan champion worth and covered nan astir systems and appliances.

Claims processing. We preferred companies that offered aggregate ways to record a declare and speedy consequence times. Each institution we selected has emblematic consequence times of 48 hours aliases little and different channels to taxable a claim, specified arsenic complete nan telephone aliases online.

Cost. We contacted companies to get quotes whenever prices weren’t openly disclosed connected their websites utilizing New York and California addresses.

Availability: We focused connected companies offering nationwide services aliases that were disposable successful astatine slightest 30 states.

Legal actions: We evaluated whether these companies person pending aliases caller regulatory aliases ineligible actions to measure their estimation and bully standing.

Customer service. We checked each company’s opinionated pinch nan Better Business Bureau (BBB), including their legalization (or deficiency thereof), standing and reviews. In our list, we only included companies who, if they were registered pinch nan BBB, had a standing of B aliases higher.

Note that BBB ratings return into relationship factors specified arsenic number of complaints, clip successful business, transparent business practices, licensing and immoderate authorities actions against a business to find really a peculiar business is “likely to interact pinch its customers.” A business tin person a standing from A+ to F.

Summary of Money’s Best Home Warranty Companies of February 2024

• Select Home Warranty: Best for Roof Coverage
• American Home Shield: Best for HVAC
• Liberty Home Guard: Most Optional Add-Ons
• First American Home Warranty: Best Starter Plan
• AFC Home Club: Best Premiums
• Cinch Home Services: Best Systems Plan
• 2-10 Home Buyers Warranty: Best Enhanced Coverage