Best Home Warranty Companies In nebraska 2024

From scorching summers to brisk winters, Nebraska’s weather keeps your home’s comfort on its toes. Unexpected breakdowns can disrupt your peace of mind and budget. This guide explores the best home warranty companies in Nebraska, helping you find a plan that safeguards your essential appliances and systems. Find the perfect warranty for stress-free comfort and cost protection.

Our Picks: 5 Best Home Warranty Companies For nebraska Residents

We have listed below the top providers in the Cornhusker State to find the best home warranty in Nebraska for your needs and enjoy worry-free homeownership.

Highly Rated By Customers

4.9 |

Excellent

$150 Off + 1 Month Free. 30 Day Free Trial!

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

(888) 580-5416

Pros & Cons

Pros

90-day workmanship guarantee
Coverage limits up to $8,000
30-day free trial

Cons

Lacks in providing proper information

Plans, Cost & Coverage

Elite Home Warranty provides three options: Elite Appliances, Elite Systems, and Elite Complete. You can personalize your coverage from a selection of 15 home items. The plans, starting at $44 monthly, offer comprehensive protection, with appliances covered up to $7,000 and systems up to $8,000 per contract term.

Here is a detailed analysis of Elite Home Warranty plans and pricing:

	Elite Appliances	Elite Systems	Elite Complete
Cost at $70 Service Call Fee	$44.99	$49.99	$59.99

Elite Appliances

Includes coverage for eight essential household appliances
These are garbage disposal, refrigerator, and dishwasher, etc
Perfect for individuals seeking thorough appliance coverage under $45 per month

Elite Systems Plan

Provides coverage for seven essential home systems
Includes air conditioning, electrical, plumbing, and water heater
Ideal for individuals looking for comprehensive home system coverage for less than $50 per month

Elite Complete

The Comprehensive Plan offers protection for both home systems and appliances
Appliances and systems are protected up to $7,000 and $8,000 per contract term, respectively
Suitable for individuals seeking extensive protection for their home systems and appliances at a monthly cost of $60

Why We Picked It?

Elite Home Warranty provides flexible coverage plans where customers can personalize their selection of appliances or systems at no extra cost. They offer comprehensive details on coverage limits, with generous dollar limits of up to $8,000 per contract term for appliances.

Additionally, Elite Home Warranty offers unique features such as a 30-day free trial, choosing a preferred technician, a money-back guarantee, and assistance from the claims concierge.

Best For Comprehensive Plans

4.1 |

Excellent

1^st month free + Free roof coverage

Monthly Cost

$50 - $58

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

90-day parts protection guarantee
Provides budget-friendly plans
Free roof leaks coverage

Cons

Lesser coverage limits

Plans, Cost & Coverage

Choice Home Warranty provides homeowners with two options: Basic Plan and Total Plan, with premiums starting at $50 monthly. Each time you request service, a service call fee of from $75 to $125 must be paid.

Additionally, Choice Home Warranty offers a coverage limit of up to $3,000 per contract term for accessing, diagnosing, and repairing covered items.

Here’s how much the company charges for each of its plans:

Plans	Monthly	Yearly
Basic Plan	$50.83	$569
Total Plan	$58.58	$670

Basic Plan

This plan covers 14 important home systems and appliances including heating, electrical, plumbing, and kitchen appliances
Offers cost-effective protection for everyday household necessities

Total Plan

Covers everything from the previous plan plus four additional items such as AC, refrigerator, washer, and dryer
Perfect for homeowners looking to get comprehensive coverage

Why We Picked It?

With over 14 years of experience and handling over 6 million service requests, Choice has proven reliability and expertise in the industry. Serving nearly 2 million homes, they understand the importance of prompt and efficient service. With plans starting at $50, they offer affordability without compromising on coverage.

Their two plans cater to diverse needs, ensuring you can find the right level of protection for your home. Plus, with a vast network of over 25,000 contractors, you can count on quick and reliable responses to your claims.

The Industry Leader

4.5 |

Excellent

Monthly Cost

$49 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Covers damage due to unknown pre-existing conditions
A vast network of skilled service technicians and contractors
Customizable plans to suit individual needs and budgets

Cons

Some customers may find the service call fees associated with American Home Shield's plans to be a downside

Plans, Cost & Coverage

AHS has three different plans: ShieldSilver, ShieldGold, and ShieldPlatinum. Prices range from $49.99 to $89.99 per month. You can choose between deductibles of $100 or $125. The most they’ll cover for appliances is $4,000, and for systems is $5,000.

Take a look at the table below to learn more about the plans and pricing:

	ShieldSilver	ShieldGold	ShieldPlatinum
Cost at $125 Service Call Fee	$49.99	$49.99	$79.99
Cost at $100 Service Call Fee	$59.99	$59.99	$89.99

ShieldSilver

This plan protects 14 essential home systems like AC, heating, electrical, and plumbing, along with other items like doorbells and faucets
It offers good coverage for ACs, heating, and ductwork, up to $5000 each
It’s great for Nebraska homeowners who want to keep their home systems safe

ShieldGold

This plan covers 23 essential systems, along with kitchen and laundry appliances
It provides medium coverage for appliances, up to $2,000 each
It’s a good choice for homeowners who want a balanced coverage plan

ShieldPlatinum

Covers all items from ShieldSilver and ShieldGold plan, including protection against roof leaks
It offers the maximum coverage for appliances, up to $4000 each
It’s the best option for homeowners looking for thorough coverage plans

Why We Picked It?

American Home Shield offers comprehensive coverage for various home systems and appliances. With customizable plans to fit your needs and budget and a nationwide network of skilled technicians, AHS ensures prompt and reliable service whenever needed. Their transparent pricing and straightforward claims process make it easy to protect your home and finances from unexpected repair costs.

Best For Affordable Coverage

3.8 |

Excellent

$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

Offers budget-friendly plans
Customers opting for single payments can enjoy two months free
Same-day response on claims

Cons

Lesser coverage limits

Plans, Cost & Coverage

Select Home Warranty provides homeowners with a choice of three different plans – Bronze Care, Gold Care, and Platinum Care. These monthly plans range in price from $44 to $47. The company imposes a maximum limit of $2000 per covered item throughout the contract.

Here is a breakdown of SHW’s costs and plans:

	Bronze Care	Gold Care	Platinum Care
Cost/Month	$44.42	$44.42	$47.75
Cost/Annum	$479.99	$479.99	$524.99

Bronze Plan

This plan offers coverage for up to 8 household appliances
It includes essential kitchen appliances like the refrigerator, oven, and dishwasher
It’s a good choice for those who specifically want coverage for their appliances

Gold Plan

Coverage for up to 7 home systems
Protection for HVAC, plumbing, water heater, and electrical systems
This plan is ideal for homeowners seeking coverage for their home’s essential systems

Platinum Plan

The plan covers a total of 18 systems and appliances
For comprehensive coverage, it includes coverage for plumbing stoppages, garage door openers, and ceiling fans
This plan is perfect for homeowners who want extensive coverage for their home, all for under $50 per month

Why We Picked It?

With over 11 years of experience in the industry, Select Home Warranty has established itself as a trusted provider. It offers comprehensive coverage plans that cater to diverse needs, including coverage for systems, appliances, or a combination of both.

What sets Select Home Warranty apart is its commitment to customer satisfaction. Additionally, customers have the option to enhance their coverage with various add-ons, ensuring they can customize their plan to fit their specific needs.

Best For Add-ons

4.7 |

Excellent

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

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

Repairs protection available for up to 90 days
Has a network of 10,000+ professionals
Offers up to $200 Off

Cons

Comparatively new in the market

Plans, Cost & Coverage

Liberty Home Guard offers three plans: Appliance Guard, System Guard, and Total Home Guard. The monthly premiums start at $49, with a flat rate deductible of $90 per visit.

Read more about the LHG’s cost and plans below:

	Appliances Guard	Systems Guard	Total Home Guard
Monthly Plan	$49.99	$54.99	$59.99
Annual Plan	$499.99	$549.99	$599.99

Appliances Guard

This plan covers repairs and replacements of 9 main home appliances like ovens, microwaves, and refrigerators
It’s a good option if you want thorough protection for your appliances

Systems Guard

This plan protects 6 key home systems such as HVAC, plumbing, heating, and electrical
Perfect for Nebraska residents who want to safeguard essential home systems

Total Home Guard

By combining both Appliance and System Guard plans, this option provides full coverage for nearly 15 home systems and appliances
Ideal for Nebraska homeowners waiting a comprehensive coverage plan at $59 per month

Why We Picked It?

Liberty Home Guard plans offer comprehensive coverage for your home appliances and systems, with options like Appliance Guard, System Guard, and Total Home Guard. Their plans start at affordable prices, ensuring you get peace of mind without breaking the bank. Additionally, Liberty Home Guard provides exceptional customer service, including round-the-clock support, making them a reliable choice for homeowners.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

4.9/5

(888) 580-5416

Are Home Warranty Plans Beneficial For Nebraska Homeowners?

Home warranty plans in Nebraska can offer residents protection and peace of mind. Let’s find out how.

Nebraska experiences a wide range of weather conditions, from scorching summers to freezing winters. Home warranty plans can help homeowners cover the costs of repairing or replacing essential systems like HVAC units, which are crucial for maintaining comfort throughout the year.
Unexpected repairs can strain a homeowner's budget, especially in Nebraska, where agricultural and economic factors may influence income stability.
Nebraska is home to many older properties with aging infrastructure. Home warranty plans can be particularly beneficial for homeowners with older homes, providing coverage for systems and appliances that may be more prone to breakdowns due to age and wear.
Many parts of Nebraska are rural, with limited access to repair services. Home warranty plans provide homeowners in these areas with access to a network of qualified contractors, ensuring timely repairs.
A home warranty can increase the resale value of a property in Nebraska. can increase the resale value of a property in Nebraska.
With a home warranty plan in place, Nebraska homeowners can enjoy peace of mind knowing that they are protected against unexpected repair costs.

How Much Does a Nebraska Home Warranty Cost?

Here’s how much you can pay for a standard home warranty in Nebraska:

Average Annual Cost

$300 - $700

Average Monthly Cost

$29.99 - $89.99

Average Service Fee (Deductible)

$60 - $125

Factors Influencing The Cost Of The Home Warranty

Home System And Appliance Coverage: The level of coverage selected by homeowners can influence the cost of a Nebraska home warranty. Comprehensive plans typically have higher premiums than basic coverage options.
Property Location: The property's location within Nebraska can influence the home warranty cost. Urban areas like Omaha and Lincoln may have higher service costs for home warranty coverage compared to rural areas with lower service fees.

Home Warranty Coverage In Nebraska

Let’s delve into the specifics of home warranty coverage in Nebraska:

General Coverage Of Nebraska Home Warranty

Home Systems Nebraska home warranties typically cover major heating, plumbing, and electrical systems. These are vital to maintaining comfort, especially considering the state’s diverse climate.
Major Appliances Coverage extends to Nebraska home appliances such as refrigerators, stoves, ovens, dishwashers, and built-in microwaves.
Add-On Coverage Most home warranty providers offer optional coverage for additional items such as pool and spa equipment, well pumps, and septic systems.

Common Exclusions

Acts Of Nature Home warranties typically don’t cover damages caused by acts of nature such as floods, earthquakes, or other natural disasters. Home insurance companies usually handle these types of incidents.
Pre-Existing Issues Home warranty companies in Nebraska typically do not cover conditions or issues in your home before the coverage kicks in.
Others Home warranties usually don’t cover damages caused by mold, rust, corrosion, etc.

Here Are Some Additional Points To Consider

Coverage limits Review the caps of different home warranty plans to determine which option offers the best value for your needs and budget.
Transferable coverage Home warranty coverage in Nebraska is often transferable, which can be advantageous for homeowners looking to sell their properties. Transferable coverage can add value to a home by assuring potential buyers against unforeseen repair costs.

Who regulates Home Warranty Companies In Nebraska?

The Nebraska Department of Insurance regulates home warranty companies in Nebraska. The NDOI oversees the regulation of insurance-related entities operating within the state.

Nebraska Department of Insurance The department ensures home warranty companies comply with state laws and regulations, protects consumers from unfair practices, and ensures transparency in contract terms and coverage. Homeowners can contact the Nebraska Department of Insurance for assistance with complaints or inquiries related to home warranty companies operating in the state.
Nebraska Attorney General's Office Home warranty contracts in Nebraska fall under the state's Consumer Protection Division. This division enforces the state's Deceptive Trade Practices Act (DTPA), which prohibits deceptive and unfair business practices.
Nebraska Department of Commerce (NDOC) The NDOC doesn't directly regulate home warranty companies. However, they enforce the Nebraska Consumer Protection Act, ensuring companies play fair by prohibiting deceptive advertising and sales tactics.

Final Word

Investing in a home warranty from one of the best companies in Nebraska can provide homeowners with financial security and peace of mind. Whether you're facing extreme weather conditions or unexpected appliance failures, a home warranty protects your home against costly repairs.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

4.9/5

(888) 580-5416

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Nebraska?

In Nebraska, where winters can be harsh, furnace repairs are frequently reported issues. Refrigerator repairs often address temperature fluctuations influenced by the state’s varying climate. Additionally, washing machines commonly require attention for issues like frozen pipes or problems related to hard water.

Does American Home Shield Cover Pre-Existing Conditions?

American Home Shield (AHS) covers items with undetectable pre-existing conditions when a home warranty plan is purchased.

Are There Any Other Home Warranty Companies The Nebraska Homeowners Can Consider?

The residents of Omaha City of Nebraska State can consider ServiceOne Home Warranty. Nebraska homeowners can also consider Elite Home Warranty for their service apart from the ones mentioned above.

What Happens If The Home Warranty Companies Can’t Repair The Appliances?

If a home warranty company cannot repair a covered appliance, they typically follow the terms outlined in the contract. This may involve replacing the appliance with a similar model, providing a cash settlement based on depreciation, or seeking a second opinion.

Homeowners should review their warranty agreement for specific procedures in such cases and maintain communication with the warranty provider for a satisfactory resolution.