Some of the Best Home Warranties:
- AFC Home Club
- Choice Home Warranty
- American Home Shield
- Sears Home Warranty
- Select Home Warranty
Your next home deserves a great home warranty and that's why we're detailing the basics on 7 of the top home warranty companies, nationwide.
The last thing a new homeowner wants to worry about after purchasing a new house is whether something will break. Sure, you have homeowners insurance to cover major disasters like fire or water damage, but what about the other parts of your house that could break down? What about your furnace? What about your electrical system? These are all vital to keeping your home up and running, and they're not covered under homeowners insurance--they're covered under a home warranty. Your house matters to you. So do the appliances that make your everyday life easier. So when you buy a home warranty plan, why would you buy it from anyone but the best home warranty company on the market? Good thing we've compiled seven of the top home warranty companies to make it easy to find the policy that you need from a company you can trust.
AFC Home Club is America's first choice in home warranties. Once you take a closer look, you'll understand why. AFC is a great choice if you're worried about protecting your personal information--in fact, they ask for very little personal information to give you a quote. They're also a great all-around warranty option. They offer a few plan options, including:
- Platinum (clothes washer and dryer, refrigerator, oven, stove range, dishwasher, garbage disposal, plumbing system and stoppages, ductwork, microwave, heating/cooling system, and more)
- Gold (same as platinum without microwaves, plumbing stoppages, and faucets)
- Silver (same coverage minus heating, electrical, AC, plumbing, faucets, and ductwork)
- Systems (includes water heater, one AC unit, heating system, electrical, and plumbing)
The premium runs around $440 with a $60 deductible, active 30 days after the purchase of the plan.
The name says it all: you get to choose a home warranty plan that suits your needs, bringing you great coverage at a reasonable price. Even better news? You can pay in one lump sum and not worry about it for the whole year, or break it up into monthly installments. Even at a lump sum, the price is still comparable to AFC Home Club, with the yearly price at $450 for full coverage or $378 for basic. And when they say full coverage, they mean it--everything from major home systems to a garage door opener is covered. Of course, you can add on the small extras like pools or spas. Better still, Choice Home Warranty's customer service is stellar. They're available 24 hours a day, seven days a week, 365 days a year. Even when you request a quote, they get back to you almost as soon as you've filled out the form.
Of course, if you want more flexible protection, take a look at American Home Shield. They have four premade plans to choose from, but they also have the Build Your Own Plan option, the only plan of its kind on the market. It's pretty simple: you pick the 10 items you want to be covered. If you don't own a dishwasher, you won't need to pay for dishwasher coverage. They also offer refreshingly transparent policies partnered with representatives who know their stuff.
If you love transparency (and not having to hire a technician for every little thing) you should check out TotalProtect. TotalProtect has a team of 40,000 pre-screened technicians, so when they say they're here to help, they mean it. Plus, work is backed by a 180-day guarantee and a customer service team available 24/7 every day of the year. So, whether you're investing in vacation property or you live in an old house, you know you're in good hands. Your pricing depends on the plan, though the company likes to recommend Combo plans covering appliances and home systems. And if you're willing to pay more for the deductible, you'll get lower monthly premiums for your trouble. It also doesn't have any liability caps on major appliances and systems, which is great news if you're facing unusually finicky appliances.
If services and workmanship are what you're really after, you should also consider Sears Home Warranty. Sears stands out for their 180-day workmanship guarantee, equal to TotalProtect and twice the length of AHS's guarantee. If you experience issues, even up to six months later, Sears will waive your service fee--good news for you, because faulty repairs or parts aren't always immediately apparent. There are also unusually generous caps. While there's a $1,000 liability cap for pools and similar high-end items, everything else is covered under a $10,000 cap. For reference, most providers set a cap at $500.
Of course, if you really want to hone in on the appliances and systems that matter most to you, you should check out HomeServe. Unlike many companies where you buy coverage for an array of appliances at once, HomeServe lets you choose which ones you want. And while American Home Shield has something similar, what makes HomeServe stand out is their no deductible policy with local technicians, guaranteed repairs, and a customer service hotline that's available whenever you need help. Since you can choose what you want to be covered and there are no deductibles, plan costs vary greatly--some can get as low as $4 each month.
Finally, if you want outstanding nationwide coverage, look no further than Select Home Warranty. It's available wherever you are, whatever your needs are. The company offers three main plans:
- Platinum (a comprehensive plan for plumbing systems, electrical, heating and cooling, washer and dryer, water heater, stove and oven, ductwork, and more)
- Gold (covers heating, water heater, plumbing, electrical, ductwork, and AC)
- Bronze (covers garbage disposal, refrigerator, stove and oven, built-in microwave, dishwasher, and clothes dryer)
The premiums range based on your plan from $299 to $499 with a $75 deductible, but you don't have to worry about being within their service area.
Beyond the Top Home Warranty Companies
Isn't it nice, being able to rest easy knowing that the top home warranty companies are taking care of you? Now you can settle into the important things in Raleigh, North Carolina. Or, if you're a little earlier in the process, you can start your property search knowing that you're in good hands. Whether you're in the market to buy or sell, let us take care of you the same way your home warranty does--like family.
Hi there! I'm Ryan Fitzgerald, a REALTOR in Raleigh-Durham, NC and the owner of Raleigh Realty. Chances are you and I share a similar passion, Real Estate! I also have a passion for technology, sports, and people. Would love to hear from you. Drop me a note in the comments section below and feel free to share this article socially!