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Last updated: January 9th, 2025

Home Warranty Providers Reviews That Help You Find the Cheapest Protection Plan

Are you ready for the surprise repair costs of homeownership? Or do you think your homeowners insurance covers everything? The average cost to replace a water heater is $1,700. It’s important to know the difference between homeowners insurance and a home warranty.

Home warranty providers reviews, like those from Home Warranty Reviews, help you find the best plans. They show you affordable options that fit your needs. With coverage under $50 a month, a home warranty can save you money and give you peace of mind.

Key Takeaways

Home warranties cover normal wear and tear, while homeowners insurance mainly covers unexpected damages.
Select Home Warranty offers plans starting at just $44 per month.
The average service call fee for home warranty claims is approximately $100.
First American Home Warranty has monthly premiums starting as low as $42.
Reviews help identify the most affordable and reliable home warranty providers.

Understanding Home Warranties

To make smart choices, knowing about home warranties is key. These plans are like service contracts. They cover repairs or replacements of home systems and appliances. It’s important to know the difference between home warranties and homeowners insurance to pick the right one.

What is a Home Warranty?

A home warranty covers important home systems like plumbing and electrical. It also includes major appliances, like dishwashers and washing machines. This coverage helps save you from unexpected repair costs.

It’s smart to read https://www.homewarrantyreviews.com/ to see what each provider offers. Coverage limits and what’s not covered can differ a lot. For example, some plans might not cover parts of appliances, like the icemaker in your fridge. Also, many providers won’t cover claims if you didn’t maintain your home or if the issue was there before.

How Home Warranties Differ from Homeowners Insurance

Home warranties and homeowners insurance are both important, but they protect in different ways. Homeowners insurance usually covers big events like theft or natural disasters. It helps you when something unexpected happens.

On the other hand, home warranties deal with everyday wear and tear. They give you peace of mind for regular maintenance issues. Knowing the home warranty basics is key to choosing between these two protection plans.

Top Home Warranty Providers

Many home warranty providers offer great protection for your home. Each has special features for different needs. This helps you find the best plan for your home.

Overview of Leading Companies

The market has many top home warranty companies. Coverage, customization, and cost are key. Here are three top providers with their main features.

Best For Affordability: Select Home Warranty

Select Home Warranty is known for its affordable plans. They offer Bronze, Gold, and Platinum Care. These plans cover many items, from appliances to HVAC systems. It’s a great choice for those watching their budget.

Best for Customization: AFC Home Warranty

AFC Home Warranty is great for those who want flexibility. You can pick what you want covered. Plus, you can choose your own service provider. It’s perfect for finding the best plan for you.

Best for Broad Coverage: American Home Shield

American Home Shield covers a lot. It protects appliances, home systems, and even hidden problems. Its high coverage limits make it a top choice.

Company	Best Feature	Coverage Limit
Select Home Warranty	Affordability	Varies by plan
AFC Home Warranty	Customization	Varies by plan
American Home Shield	Broad Coverage	$6,000 for appliances

Home Warranty Providers Reviews

Looking at what people say about home warranty providers can give us a lot of insight. Each company has its own special features and benefits. They offer different coverage options to meet the needs of homeowners.

Select Home Warranty Features

Select Home Warranty is known for being affordable and easy to understand. People like the free roof leak coverage in some plans. The low service fees make it a good choice for those on a budget.

Many reviews say it’s a great option for those who want good coverage without spending too much.

AFC Home Warranty Benefits

AFC Home Warranty is great because you can pick your own contractors. This is a big plus, according to many reviews. It also offers coverage for up to three years, which is a big advantage.

American Home Shield Highlights

American Home Shield is known for its flexible plans and protection against old problems. It offers coverage up to $50,000 for big repairs. This is a big plus for those who want thorough protection.

Many reviews praise it for meeting the needs of different homeowners.

Choice Home Warranty for Quick Service

Choice Home Warranty is known for its fast service. They often call service providers within four hours of a claim. This quick response is a big plus, according to many.

Provider	Starting Plan Cost	Service Fee	Coverage Highlights
Liberty Home Guard	$49.99/month	$70 – $125	Appliance Guard & Systems Guard
American Home Shield	$20/month	$100 – $125	Up to $50,000 total contract limit
First American Home Warranty	$42/month	$100 – $125	Covers both systems and appliances
Select Home Warranty	Varies by plan	Low service fees	Free roof leak coverage
AFC Home Warranty	Varies by plan	$75 – $125	Life-long workmanship guarantee
Choice Home Warranty	Varies by plan	$85 – $125	Quick service within four hours

Comparing Cost and Coverage

Knowing the costs of home warranties is key when choosing one. Several factors matter, like the average costs and what’s covered.

Average Costs of Home Warranty Plans

The monthly fee for a home warranty is usually around $50. But, it can change based on the coverage and appliances included. Here’s a table showing costs and coverage from different providers:

Provider	Monthly Cost Range	Service Fee Range	Appliance Coverage Cap	BBB Rating
First American Home Warranty	$42 – $82	$100 – $125	$3,500 – $7,000	B
American Home Shield	$29 – $89	$100 – $125	$4,000	B
AFC Home Warranty	$34 – $92	$75 – $125	Varies	B
Elite Home Warranty	$44 – $59	$70	Varies	B+
Choice Home Warranty	$46 – $55	$100	$3,000	B
Select Home Warranty	$36 and up	$60 – $75	$3,000	B

Service Fees and Coverage Limits

Service fees add to the cost when you make a claim. They usually range from $75 to $150. Providers like Select Home Warranty have lower fees, which can save you money.

Discounts and Promotions Available

Many providers offer discounts and promotions. These can be a big factor when comparing them. For example, Select Home Warranty and AFC Home Warranty have lower costs and regular deals. Looking at these offers can help you choose the best plan.

Conclusion

Finding the right home warranty can be tough, but it's worth it. It saves money and reduces stress. Look at plans from Select Home Warranty, AFC Home Warranty, and American Home Shield.

It's important to think about what you need. Look at coverage, service reliability, and cost. Each provider has its own benefits. Knowing these can help you choose the best for your home.

Home Warranty Reviews is a great place to start. It shows how these plans can save you money and be reliable. For example, AHS has helped over 2 million members every day.

Choosing the right plan means you can handle repairs without worry. It keeps your home safe and sound.

When picking a home warranty, do your homework. Look at what each company offers. This way, you can find the best and most affordable plan for you.

Your choice will give you peace of mind. It helps protect against unexpected repair costs. And it makes owning a home less stressful.

FAQ

What is a home warranty?

A home warranty is a contract that covers repairs or replacements of home systems and appliances. This includes plumbing, electrical, heating, and kitchen appliances. It helps you avoid unexpected repair costs.

How is a home warranty different from homeowners insurance?

Homeowners insurance protects against theft or natural disasters. A home warranty covers normal wear and tear of appliances and systems. It acts as a financial cushion for daily maintenance needs.

What are the benefits of having a home warranty?

Home warranties give you peace of mind by covering unexpected repair costs. They save you money and stress when issues arise in your home.

How do I choose the best home warranty provider?

Compare coverage options, customer service ratings, and cost from reviews. Find a plan that fits your needs, budget, and offers affordable options.

Are there any limitations to a home warranty?

Yes, home warranties have exclusions and service provider restrictions. It’s important to read your contract to know what’s covered and what’s not.

What is the average cost of a home warranty?

The average monthly payment for home warranties is around $50. Costs vary based on coverage levels and included appliances. Service call fees range from $75 to $150.

Can I choose my own contractor during repairs?

Some providers, like AFC Home Warranty, let you choose your contractor. This offers more flexibility. Others may require you to use their network of preferred service providers.

How do I file a claim with a home warranty provider?

To file a claim, contact your home warranty provider’s customer service. Provide details of the issue and follow their claim process. This will get your repairs underway.