Home Warranty Reviews 2021

Millions of homeowners and tenants in the United States have home warranties. The relief that a home warranty provides in the case of replacement or repair is unwavering in its benefits.

Millions of home owners and tenants in the United States have home warranties.

Top10US Home Warranty reviews

01.

Total Home Protection

Never Pay For Covered Home Repairs AGAIN! Most Comprehensive Coverage Plans Starting at $1 a day!

Total Home Protection has an unwavering commitment to uphold its founder’s ideals and provide industry-leading home warranty products and exceptional services to the customers.

Total Home Protection strives to constantly offer customers fast and effective solutions with a network of qualified & pre-screened service contractors. Total Home Protection knows you are looking for value for your money, and Total Home Protection believes providing great value and protection against the unexpected high costs of home and appliance repair.

Whether you are planning to buy a new home, sell your existing home, or simply stay put, THP’s products can save time and money. THP goes above and beyond to help you get back on your feet.

What We Like

What We Don’t Like

02.

Liberty Home Guard

Simplifying Home Ownership. Protect your home’s most valuable systems and appliances. Starting at $1/day.

Let’s start with what Liberty Home Guard is not: home insurance. That which can cost thousands of dollars on an annual basis, yet only covers your home during major disasters. Instead, Liberty Home Guard protects you against much more common home appliance and system breakdowns, like your fridge going out, or your washing machine turning your laundry room into a foam filled mess.

Liberty plans cover all the appliances and systems in your home, including your refrigerator, washer, dryer, furnace, air conditioning & more. Rest assured knowing your home—and all the appliances and systems inside of it—are protected.

What We Like

What We Don’t Like

03.

First Premier Home Warranty

 

Reliable Home warranty professionals

First Premier Home Warranty is part of a large company that has been in the Major Appliance and HVAC industry for over 30 years. They have seen first hand how the quality of appliances manufactured over the years are simply not built to last. Home Warranties are more important than ever, and they aim to be the only home warranty company you will ever need.  They understand how hard you worked to own your home, and they have worked hard to build a strong, solid company for your home repair solutions. Their trained “CONTACT-LESS” service technicians will take measures for safety. First Premier is also proud to offer special discounts to Veterans, Senior Citizens and First Responders. Contact them today! You will be happy you did !

What We Like

What We Don’t Like

04.

Choice Home Warranty

Since it began over 11 years ago, Choice Home Warranty has stayed true to its mission of protecting homeowners, buyers, and sellers. 

Since it began over 11 years ago, Choice Home Warranty has stayed true to its mission of protecting homeowners, buyers, and sellers. We offer the best service in the industry at the lowest cost. Choice is the best home warranty company for thousands of happy policy holders because we listen to our customers. This means we can give them the coverage and quality of service they deserve. Appliances and home systems break down. This cannot be avoided by any homeowner. The high cost of repair or replacement can be avoided with a home warranty. Here are some of the benefits of owning a Choice Home Warranty:

What We Like

What We Don’t Like

04.

Complete Сare Home Warranty

 

We’ve worked hard to make it easy

With Complete Care Home Warranty you can rest assured that your home appliances and systems are covered. With 24/7 support, Complete Care is always there for you and will always be there for you in the case of repairs or replacement to your appliances.

Don’t make repairs and device breakdowns your own problem. We take the pain off of thousands of our customers across the United States. Worry about your life, keep your repairs and damages to us. Sleep well at night knowing you’re covered by a company you can trust.

What We Like

What We Don’t Like

What is a Home Warranty ?

Home warranties are comparable to insurance policies or service contracts that cover the products and structural components of a residential building. This type of coverage is different from home insurance, which pays for damage and loss caused by natural disasters.

Home warranties cover equipment packages such as kitchen appliances, additional equipment like water heaters, HVAC units, sewers and gas pipes, plumbing and electrical systems, up to swimming pools and spas. Other forms of home warranty take care of home systems.

Home warranties are extremely popular and are considered to be as important as home insurance. They can both save the average home up to $1,500 in home repairs annually and provide the comfort of coverage for systems and appliance if any disasters happen.

What comes under the cost of a home warranty?

It is imperative to be aware of what comes under this policy and what doesn’t. Mechanical systems of the house such as plumbing, heating, air conditioning, and electrical are covered under this service. However, it does not cover the costs that include misusage, external damage, or inadequate maintenance that could be categorized under “mishandling” post-purchase; in which cases could be completely denied.

Some appliances or products that you buy already have a company-granted warranty tagged with them; therefore, those would not be covered under this service. Consequently, it is only wise to read through the warranty contract carefully, and speak to a consultant of the company regarding your options.

How Does A Home Warranty Work?

If you were of the opinion that you can call your repairman around the block and get your work done under the cost of the home-warranty, stop right there. The home warranty contract is issued by the company and you cannot invite anyone to do the maintenance that is required; it has to be a contractor selected by the home warranty company. This is for the whole process to be made more efficient for you and the other individuals that are using the same home warranty company in your zip code.

The procedure goes something like this; you call the company that had issued the warranty contract, narrate the problem, and they will send a contractor. Once the contractor arrives, you will have to pay them their service fee for diagnosing the problem which is called a deductible and is usually much cheaper than the process of doing it alone.

If the problem is approved by the contractor to come under the cost of the home warranty, the rest of the damage will be free-of-cost.  

Differences between Home warranty and Home insurance

Underwriting

An underwriter assesses the risk by paying a visit to the home when we apply for home insurance. They consider factors like history, location, contents, construction, and the age of your home. After that, the price and premium for the insurance plan are derived accordingly. 

Home warranties, on the other hand, do not require underwriting. The premium and warranty plan is the same for one and all.  

Automatic Renewal

Clients enjoy automatic renewals of home insurance. As long as one pays the premiums, he or she has insurance coverage. Home warranties, on the other hand, require renewal. Warranties are for a limited time, and after that, the clients need to renew them.

The advantage is that you can search for better warranty plans when the current runs out and avail new member discounts on them. The disadvantage is that if a client forgets to renew the warranty, it will lapse, and any damage that occurs won’t be covered.   

Necessity

To receive mortgages, having home insurance is generally necessary. On the other hand, having a home warranty is not mandatory and generally not required. It is optional.

Personal Liability coverage

Home insurances mostly cover personal liability, but the home warranty does not. In simple words, if an inhabitant or any member of the family on the property is hurt in an accident, the home insurance covers medical costs concerning bodily harm.. The loss of wages of the hurt member and legal fee is also covered in the personal liability coverage.    

Extra coverage

Most warranty companies provide extra coverage to clients like the protection of swimming pools and spas if they choose a bigger coverage. Home insurance, on the other hand, does not offer anything of that sort.

Limited coverage

Home Warranty companies put a limit to the maximum coverage they would provide to the clients. Whereas, the Homeowner’s Insurance usually covers around 50% to 70% of the total insured amount. You might have to conduct a home inventory for the same, which allows the companies to better understand the total worth of your assets. It might also include liability protection and additional living expenses, in case you are not able to put up at your place due to the damage.

Surprises down the road

What is covered and not under Home insurance is apparent right from the beginning because of underwriting. However, home warranty companies don’t undertake any assessments and may deny coverage of the appliance later because of factors like improper installment, area building codes, improper usage or lack of maintenance, etc.   

Cost

The cost of home insurance is usually higher than home warranty. U.S. average annual premium for Home insurance is $1,211, while for a home warranty policy, it ranges between $300 and $600. 

What Are Home Warranty Deductibles

Since home warranty plans are all different, ask specifically what kind of deductibles are included in your plan of choice. Contact your broker to see if any upgrades are available. Make sure to make all the checks require before signing a home warranty contract.

Home warranty companies often list three types of coverage: basic coverage, full coverage, and optional coverage. Some carriers may not have basic insurance, but they do have a standard policy.

Below is more information you should know on these three types of coverages.

Basic Home Warranty Coverage

A basic home warranty covers systems and devices that are essential for everyday use. Items covered by a home warranty vary from state to state. The daily use of devices depends on climatic conditions and other factors—for example, built-in microwaves, plumbing, ceiling fans, etc.

You should note that not all companies include the same list of items in their default policies.

Enhanced Home Warranty Coverage

Extended coverage includes some systems and devices that are not included in a basic plan, but are used frequently. Enhanced coverage costs a little more than basic coverage. Under certain warranty conditions for private households, air conditioning, refrigerator, washer/dryer, etc. They are not included in the basic insurance.

Optional Home Warranty Coverage

Optional coverage includes items that are not covered by basic or full coverage. This cover gives you the ability to add your own pool, spa, wine cooler, well pump, etc. You have to pay a fixed additional premium to add one of these items to your home coverage.

Most home warranty company websites have sample policies. Indicate which items are included in basic, full, and optional coverage. Be sure to read the document for a clear understanding of the elements included in each policy and speak to a representative of the company.

Deductible Costs, Service Costs, and Other Fees

When evaluating a home warranty deductibles, make sure you know exactly the costs involved. This means you have to take into consideration, among other things, acquisition costs, service costs, and additional costs.

The actual price of a home warranty deductibles depends on the chosen coverage. Typical annual costs can be $200 for large appliances and $800 for HVAC, plumbing, and electrical systems.

When buying a home, the warranty premium is a part of the final costs of the house. However, the question of who to pay the premium remains open. Payment responsibilities can be transferred entirely to the seller or shared between the seller, the buyer, and the broker.

Some home warranties have a deductible of around $60-70; or the repair cost, whichever is lower. If the warranty includes a deductible, this fee will be charged for every repair. And even if you don’t pay the actual repair or replacement costs, you may be liable to pay from between $65 and up to $125 in trade fees for each repair. This fee, stipulated in the contract, covers the price of the technician who comes to your home to diagnose the problem.

FAQ

+ - What can home warranties cover?
Garage door openers, Clothing dryers, Refrigerators, Microwave ovens, Garbage disposals, Ovens, Ceiling and exhaust fans, Clothing washers, Swimming pools, Air conditioning, Plumbing, Water heaters, Solar panels, Thermostats, Coffee machines, Cell phones, Tablets, Televisions, Computers and more
+ - How much do home warranties cost?
Home warranties are priced annually and vary depending on the company you chose, the amount of appliances and systems you would like to cover, and also based on your location. They range at around $370-$800/year. The best option when it comes to choosing the right plan is to talk to your home warranty consultant in order to get an exact cost.
+ - What is a deductible?
A home warranty deductible is a price you pay for a service call. For example if your refrigerator breaks down then you would need to call a contractor to come fix it. If you have a home warranty then you would call the home warranty provider that would in turn send a licensed contractor to inspect the refrigerator. For every service call like this you will need to pay a deductible. Usually there are no more additions on top of that.
+ - Can I cancel my home warranty?
Yes. A home warranty can be canceled at any time usually with a 30-60 day notice policy that should be attached to your legal agreement.
+ - Can I chose my own contractor?
No. First the home warranty company would send you a contractor for a service call. If you are unsatisfied with that contractor, then you would be able to chose your own.
+ - What is the coverage time for home warranties?
The coverage time for home warranties is for a 12 month period and should be renewed at the end of every 12 month period.
+ - Is home warranty worth it for landlords?
Yes. If you have tenants and you want to save yourself the time and money of servicing their repairs then the ideal option for you is to have a home warranty. In fact you can put the tenants in touch directly with the home warranty company.
+ - How much will I save with a home warranty?
There is no guarantee about how much money you can save from having a home warranty. However the average consumer saves around $1,500 on home repairs if they have a home warranty.

Top Posts about home warranty

Get A Free Quote

$200 Off +2 Free Months + Free Limited Roof Leak

    [_remote_ip]

    [_url]

    [_user_agent]

    By entering my information and clicking “SEND” I affirm that I have read and fully consent to the Terms and Conditions and Privacy Policy . I provide my electronic signature giving consent to be contacted by Total Home Protection and its Marketing Partners in order to receive price quotes (including third-party discounts, offers, and promotions). With my consent I am also authorizing Total Home Protections and their Marketing Partners to contact me via email or at the telephone number provided above, including my wireless number, using automated technologies, including texts and prerecorded messages, even if it is registered on a federal, state, or corporate Do Not Call list. I understand that consent is not a condition of purchase or receipt of services. If my area is not covered, I may be referred to an alternate provider. If I do not want to receive automated calls or text messages, then I can call 1-855-538-6337 to request a quote.