A home warranty allows you to keep your house functioning without having to spend a fortune on equipment repairs. Home warranty coverage may include maintenance costs. In contrast to homeowner’s insurance, which covers weather and disaster damage, a house warranty covers objects that break down. Whether you’re a new homeowner or have recently purchased new home appliances, the best home warranty companies can provide you with peace of mind. The key to a good home warranty is understanding the intricacies and selecting the appropriate coverage. Many providers provide a wide range of policies, tier levels, and add-on coverages. We investigated the top home warranty businesses of the year to assist you in navigating the vast amount of information and making an informed decision. So, keep reading to find out about the best home warranty company plans in Texas and California.
What Is a Home Warranty?
A home warranty is a service contract that provides coverage for the repair or replacement expenses of major systems and appliances in your home. Home warranty coverage can include various systems in your home, such as plumbing and electrical, as well as major appliances like dishwashers and air conditioners. Additionally, you have the option to purchase add-on coverage for various appliances and home fixtures, such as your washer and dryer or pool.
It is also important to clarify that a home warranty is distinct from homeowner’s insurance. Homeowners insurance primarily covers expenses related to property damage, theft of personal belongings, and liability for accidents occurring on your property. When estimating the total cost of buying a home, it is important to consider the price of both the home warranty and homeowner’s insurance. These are separate policies that need to be factored in separately.
Are Home Warranties Worth It?
Whether you should pay for a monthly warranty or risk a repair fee sufficient to break your budget for the month if something breaks down depends on your level of risk tolerance, how handy you are, and how much you value continuity of service.
Best Home Warranty Company
The best home warranty company includes the following:
#1. Liberty Home Guard
You can choose from three plans from this company: one that only covers systems, one that only covers appliances and one that covers both. You can buy these plans as they are, or you can add extra coverage from home safety plans to make them fit your needs. Liberty Home Guard is different from most home warranty companies because it doesn’t have an age limit on the appliances it covers and doesn’t need a maintenance record or a home check to get coverage. Liberty Home Guard also lets you pick your own provider. Every job also comes with a 60-day guarantee on the work.
#2. American Home Shield
Because it can be customized and comes with extra member benefits, American Home Shield can be a great choice for many types of homes. There are three plans from this company, so you can cover your plumbing, electrical, and HVAC systems, as well as your kitchen and laundry tools. Roof leak repair is included in the most complete plan, which isn’t always the case with home warranties. You can also choose to add things like electronics for your home, pool and spa equipment, a guest or rental room, and more.
As a member, you can get maintenance services like savings on HVAC upgrades and seasonal maintenance, as well as rekeying, sewage installation and maintenance services, and tech setup and support. Benefits depend on the plan.
#3. American Residential Warranty
This business has great customer service and is open 24/7, 365 days a year for help and emergency services. Aside from that, American Residential Warranty also offers 30-day service fixes. American Residential Warranty’s service is already great, but their service fee of only $55 makes it even better.
#4. Select a Home Warranty
There are some home warranty plans that cover roof leaks and offer discounts several times a year. Select Home Warranty has some great deals, like two months of free service if you pay for the whole year at once and additional savings when you sign up for more than one year. There are also times when the company runs deals that give new customers $100 to $200 off when they sign up. You can choose from three plans at Select. The prices for each plan range from $42 to $55 a month. Gold Care is for computers, while Bronze Care is for appliances. The most expensive plan, Platinum Care, covers more things because it blends the two. The fee for the service is $75. Also, all three plans cover fixing leaks in the roof.
#5. The Home Warranty, Inc
Home Warranty Inc. is our second choice because its website is easy to use and has clear price information. It also has a good selection of plans and add-ons, and it responds to claims faster than most companies. The Better Business Bureau gives the company an A+ grade and their policies are valid in 35 states. house Warranty Inc. came in second overall, behind ARW Home. It is a good option to think about if you are looking for a house warranty.
Read also: AMERICAN RESIDENTIAL WARRANTY: Best Easy Guide for Newbies
Best Home Warranty Company Texas
If you’re trying to sell a house with old appliances and want to get someone to buy it, or if you just want to know that you’ll be covered for repairs to systems and appliances, a home warranty might help. When you look at different Texas home warranty companies, you should think about whether the safety is worth the service fees and monthly costs. When looking for a home insurance company in Texas, you should also pay attention to the rules and limits. There is no best home warranty company in Texas for your home systems and equipment. However, this is a good place to start your search.
#1. American Home Shield
This is one of the best home warranty companies out there in Texas. AHS has been in business for more than 50 years and now has almost 2 million users across the country.
Texas is hot almost all year and even hotter in the summer, so you need a home guarantee plan that covers air conditioning. There are three home warranty plans from AHS. All of them cover your HVAC system, electricity lines, plumbing inside your home, and your air conditioner or heater. For repairs when something in your home breaks, you can even pick the professional you want to work on it.
#2. Liberty Home Guard
Liberty Home Guard (LHG) is our top choice because they offer a wide range of covers and have great customer service. It has live chat available 24 hours a day, seven days a week, and it links you to a representative in seconds. Along with that, LHG covers two air conditioners, while most only cover one per service contract. Along with good service, LHG offers discounts on certain appliance purchases.
#3. The American Residential Warranty
The four plans that American Residential Warranty offers are water and sewer, kitchen gadgets, two premium plans that cover appliances, plumbing, HVAC, and more, and water and sewer. Plans are pretty pricey, but you can pay for them over time by paying every month without any extra fees. There are no fees to cancel a monthly plan, and your service will still last until the end of the billing month. Also, American Residential Warranty has one of the lowest service fees of all the companies we looked at, at $55.
Trustpilot users say that American Residential Warranty has great customer service. We also like that the company lets you use your own repair person, as long as they get permission from the company first. Coverage limits can be low, though, and depend on the system and plan.
#4. AFC Home Club
With its big discounts, long warranties on work, and the ability for customers to choose their own technician, AFC Home Club may be the best choice for many Texas homes.
AFC Home Club is different from many other home warranty companies because it lets users pick their own technician. With home warranties, this isn’t usually a choice because most companies will make you choose a contractor from their network. Some homeowners might like being able to choose which professional does any covered fixes. This is especially true if they have worked with a certain contractor before and trust their work. All repairs covered by AFC Home Club warranties are guaranteed for as long as the insurance lasts, which could be up to 3 years. This is true whether the customer or the service provider chooses the technician.
#5. Home Warranty of America
This home warranty company in Texas doesn’t have as many plan choices as some other companies, but its most basic plan covers your furnace or heating system, making it a good choice. The website is completely open; you can see prices, example contracts, information about exclusions, and information about disputes all online. You can pay each month and adjust your coverage. Claims are usually taken care of quickly. It costs $75 or $100 to use the service. You have to wait 30 days, though, and you can’t pick your own fixed person. Also, reviews of customer service are mixed.
Best Home Warranty in California
Having the best home warranty company in the state of California can be incredibly beneficial for homeowners. It not only saves them valuable time but also helps them save money when everyday home items unexpectedly fail. In other words, having a home warranty in California can protect you from expensive repairs and provide you with peace of mind, regardless of the weather. The best home warranty in California includes the following:
#1. The American Home Shield
You don’t have to worry about service call fees or coverage for all of your major systems and goods with American Home Shield (AHS). AHS covers corrosion, rust, and soil damage, but most other companies don’t.
#2. AFC Home Club
This home warranty company in California covers a lot of different home systems and products. Customers are free to pick their own licensed and insured service technicians, and the company’s most complete plan covers more than most similar plans from other companies. AFC gives you four plan choices and a long list of extra coverages to pick from. Members can also get extra benefits like help getting cheaper homeowner’s or renter’s insurance.
#3. Choice Home Warranty
Choice Home Insurance has helped more than 1,650,000 households in California with more than 5 million claims, making it the leader in the home insurance business. This company is a great choice for California homeowners because their home warranties are cheap and they have great customer service.
#4. Select a Home Warranty
Some home warranty plans cover a lot of different things as long as they are in good working order and have been well taken care of since the purchase, no matter what brand or type they are. Plans can be changed to fit your needs, and roof covers can be added as an extra (though it was free at the time of publication).
#5. ARW Home
American Residential Warranty gives protection plans for electronics and homes all over the country. ARW’s plans can be changed to fit your needs and cover a lot of different systems and tools. You can also combine more than one plan to get more service.
What Does a $500 Home Warranty Cover?
A $500 service contract once a year will usually cover basic systems like plumbing, electricity, and air conditioning, as well as major items like your fridge, washing machine, and dryer. With a $500 home warranty, you might also be able to add covering for a pool or hot tub as an extra.
Is Home Security of America the Same as American Home Shield?
Home Warranty of America and American Home Shield keep the costs of their house warranties and service calls low. AHS, on the other hand, has lower rates and covers more home tools and systems. Their service fees are about the same, and homeowners can pick their own costs with both.
Gathering Up
When selecting the most suitable home warranty company for your needs, it is important to conduct thorough research and feel free to ask any number of questions that you may have. Choosing the appropriate home warranty can result in significant cost savings, ranging from hundreds to thousands of dollars when it comes to maintaining your home.
References
- forbes.com
- rocketmortgage.com
- investopedia.com
- SPECIAL WARRANTY DEED: Definition & How It Works (Texas & Florida)
- GENERAL WARRANTY DEED: Definition & How It Works (Texas & Florida)
- ARE HOME WARRANTIES WORTH IT? The Myths and Reality of Home Warranties Revealed
- AMERICAN RESIDENTIAL WARRANTY: Best Easy Guide for Newbies
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