Are you looking for the best home warranty in Alaska? Perfect! You are in the right place. In this guide, you will learn:
- What factors do you have to consider as a homeowner in Alaska?
- Will you benefit from a home warranty plan?
- How can you choose the best coverage for your home?
- And more!
This review will answer all your essential questions and even give you the top companies in Alaska. Curious to learn more? Continue reading!
- Lower chance of claim denial
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Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.
As a resident of Alaska, your home warranty needs are different because the climate is unique. So, it is essential to know what components in your home to cover, as well as the best companies to protect your Alaska home.
We’ve analyzed 68+ home warranty providers across the United States and compared the coverage, plan options, terms, add-ons, and consumer reviews to find the best home warranties for your Alaska home.
You will find our top 5 home warranty companies in Alaska list and pros and cons of each at the end of this article. Keep reading to see which plan fits your needs.
Who Needs A Home Warranty Plan in Alaska?
All Alaskan homeowners benefit from the right home warranty coverage plan because home warranties help you save time and money. However, each property owner or manager benefits from owning a home warranty in different ways.
As a homeowner, you do not have the benefit of calling a maintenance department when a major appliance breaks. You are solely responsible for paying for all repairs and systems replacements.
The financial responsibility can be very stressful for homeowners, especially when you live in a cold environment where you need a working heating system. A home warranty can help, though.
Whether you own a home in the city of Anchorage, or the charming small town of Homer, a home warranty plan will provide around-the-clock protection for your essential home items.
Homebuyers also benefit from purchasing a home warranty plan for their new home. When you buy a home warranty before closing, some companies waive the 30-day waiting period that most providers have before coverage begins.
Having coverage from the time you purchase your home is vital because home appliances and systems can break at any time. The last thing you want after paying for new furniture, homeowners insurance, and all of the other expenses that come along with a new home is coming out of pocket to replace a significant component.
Top 5 Best Home Warranty Companies in Alaska
Home Sellers & Real Estate Agents
Expensive home repairs are a home seller's worst nightmare. You are ready to move on with your life, and you do not want to invest any more in your property.
A protection package from the best home warranty companies in Alaska will give you security while your home is listed as an individual home seller or agent. It also helps if the home inspection report shows that there are any components the new owner will need to replace.
Many home buyers want the homeowner to repair any systems that may fail before they commit to buying the property. With a home warranty, sellers may be able to avoid making those costly repairs because plans from top home warranty providers are transferable for a nominal fee or even for free.
Major repairs can often cause delays in closings, and a buyer may even back out of the deal if significant repairs are necessary before they can take ownership. So, asking property sellers to invest in a plan is a great way to ensure that any pre-closing problems are adequately handled.
Properties that are move-in ready and stress-free are more desirable. So, homes with a comprehensive plan in place may sell faster and for more money.
Renters & Landlords
If you have ever rented a property from a landlord who does not fix things when they are broken, you know how frustrating that is. You pay your rent on time each month in good faith that when the property needs maintenance, the landlord will handle it.
However, that is not always the case. So, for renters, a home warranty plan can give peace of mind that they will not get stuck in a rental property with maintenance concerns.
Top 5 Best Home Warranty Companies In Alaska
|Alaska Company Name||Premium Per Month||Deductible|
|Choice Home Warranty||From $36.17 to $43.85||$85 flat rate|
|Select Home Warranty||From $35.83 to $37.50||$75 flat rate|
|Liberty Home Guard||From $39.99 to $59.99||$75 flat rate|
|Service Plus||From $45.33 to $52||$75 flat rate|
|America's 1st Choice Home Club||From $37.50 to $50||From $75-$125|
For landlords, when a rental needs repairs, it is also stressful. It is the tenant's right to have a heater that adequately maintains the temperature in every room and a working water heater.
So, if you fail to maintain these vital systems, the tenant can take legal action against you. A home warranty plan makes managing repairs less stressful, and it can help to protect your rental income.
What Should You Think About When Purchasing A Home Warranty in Alaska?
Alaska homeowners have different concerns from property owners in Hawaii, New York, or other states when it comes to home protection. You have to consider the climate, weather, geography, and location if you want to choose the right plan.
Otherwise, you may select a plan that covers your air conditioning but leaves you on the line for heating repairs. By considering the environmental factors that impact you as a homeowner, you will have peace of mind knowing your coverage includes the most critical home systems.
Best Home Warranty in Alaska?
Choice Home Warranty is our top pick for Alaska. Both of the packages offered by Choice include heaters and water heaters at affordable costs and with generous limits. Home inspections aren't required for coverage.
Weather is a significant concern for homeowners in Alaska. Temperatures are below freezing for the major part of the year. Even during the "warmer" months, Alaska temperatures never get warmer than the 70s and are often much cooler than that.
So, it is essential to have a working water heater and heating system. So, when you are shopping for a plan, you need to make sure it includes these two components.
There are also several mountains, including Mount McKinley, the highest point in North America. You can also find volcanoes, lakes, rivers, and glaciers in Alaska.
While the geography makes Alaska a majestic place to live, traveling from city to city is challenging at times. That means it might be even more challenging to find a qualified service technician.
That means you must find a company with a trustworthy network of service providers. Otherwise, you could be left waiting when you put in a critical service request.
Alaska has a unique location. It is one of only two states not bordered by another United States territory, and it is almost surrounded by water.
Canada separates Alaska from the nearest U.S. state, Washington, by nearly 500 miles. The bodies of water surrounding Alaska include the Bering Sea, the Beaufort Sea, the Chukchi Sea, the Arctic Ocean, and the Pacific Ocean.
The location, weather, and geography can all impact travel in the area. So, it can be even more challenging for Alaska homeowners to find qualified service professionals, which makes a home warranty even more critical.
If you are planning a move to Alaska, it is imperative to understand the terrain, location, and geography so, here is a video you can watch to get a better idea:
What Will A Home Warranty Cost A Resident Of Alaska?
Your home warranty plan cost will differ depending on the level of coverage you select. Most coverage packages cost between $350 and $650 a year. You can pay for your plan monthly, though.
So, if you are living on a fixed income, you always have the option to pay a lower payment each month. If you want to save money on your plan, many providers offer discounts of $100 or more when you pay annually.
Add-on coverage is also available, and it varies depending on the item. However, these plan additions usually cost between $25 and $100 annually.
Another thing to think about in terms of home warranty cost is the service fees. The most affordable prices are around $60 per visit. However, they can be as high as $150 with some companies.
What Types Of Plans Are Available For You In Alaska?
In Alaska, your plan options are different from those in other states because some of the top providers, like American Home Shield, do not cover properties in your state. Knowing what plans are available to you is essential, so you can make sure that your policy covers your home's essential components.
- Appliance Plans - Appliance plans only cover appliances like garage door openers, cooktops, dishwashers and refrigerators.
- Home Systems Plans - Home systems plans only cover systems, but most cover electrical systems, water heaters, ductwork, garbage disposals, and plumbing systems, including plumbing stoppages.
- Combo Plans - Combo plans cover both systems and appliances. These are often branded as “premium” plans, because more components like air conditioners, heating systems, clothes washers and dryers, trash compactors and more are included.
- Add-Ons - Add-ons are available from most carriers and cover items like septic tanks, pools and spas, second refrigerators, deep freezers, and other components.
Plans differ by provider. The items included in one company's basic system or appliance plan, or combination plans, will not necessarily be the same as those in another.
So, you must read the fine print to make sure the coverage plan you choose includes all of the major systems you want to protect.
Is A Home Warranty Worth It In Alaska?
Shopping for qualified contractors is stressful. First, you need to find an available technician. Then, you have to check to make sure they are licensed and credible.
When you purchase a home warranty, you do not have to go through that process each time your home needs maintenance. Instead, you put in a service request.
Your home protection company then schedules a technician to visit your home and assess the device. If your plan covers it, you pay a service fee, which is between $50 and $150, and the company pays for the remainder of the repairs up to the limits in your home service contract.
Financial experts suggest homeowners spend around 10% of their home value on repairs each year, and you should save at least a dollar per square foot in your home in case a major home component fails.
With a home warranty, you can expect to pay far less than the suggested yearly amount for home repairs. However, covering your property is worth more than the monetary savings.
Your home warranty will also give you peace of mind and save you time. So, many homeowners factor that into the value of their plan.
In Alaska, it is even more critical that you can make repairs to your heating system and water heater quickly if necessary. So, for Alaska property owners, a home warranty plan is not only worth it in terms of saving money and time, but it is also a necessity.
What Are The Home Warranty Regulations In Alaska?
Alaska does not view home warranties as insurance policies. So, home warranty companies are not regulated the same way. That means you have to be even more diligent when you are shopping for a home warranty plan.
How To Choose Coverage In Alaska?
Your home warranty plan options in Alaska are different than other states, and choosing the right plan is essential. So, there are some steps you should take to select coverage.
Taking the time to select the right plan is well worth the effort because it helps to ensure that you have the level of protection you desire. It is also critical because you want to make sure that the plan you purchase protects your most vital home systems and devices.
Step 1: Get Free Quotes
Top home warranty providers in Alaska offer free home warranty quotes to property owners. The first step in selecting a plan is obtaining these comprehensive quotes.
You simply visit the provider's site, enter the coverage options you desire, and your location to receive a quote for your plan's total price with all of the appliances and home systems you want to include.
Step 2: Compare Home Warranty Coverages
After you receive your quotes, you need to compare the replacement costs limits, service call fees, covered items, times to submit claims, and additional services in each plan. As an Alaska homeowner, you also need to make sure that the program you select includes your heating system and water heater.
Most basic plans cover your water heater, but they do not cover the heating system. So, you either need to choose an entry-level plan from a company, like Choice Home Warranty, that includes heaters, a premium plan, or you can add onHVAC system coverage to a basic plan from another provider.
Step 3: Make Sure Home Warranty Work Is Guaranteed
Making sure the work your home warranty company guarantees work contractors complete is essential. Some companies guarantee labor by their providers for up to 90 days and parts for 30 days.
Choosing a company that guarantees work for more extended periods will lower your out of pocket expense if you need reservice for a repair. So, if you want to get the most out of your plan, you should be mindful of this.
Step 4: Read Home Warranty Reviews
The last step in choosing a home warranty plan in Alaska is to read consumer reviews. Sites like the Better Business Bureau (BBB) are a great resource because they allow consumers to report issues, and companies also have the opportunity to respond with resolutions.
Reading reviews from customers in your area will let you know how the company handles service calls in your area. When reading reviews, be mindful of customer experiences when appliance replacement is necessary, customer service quality, and delays for service requests.
You should also pay attention to the number of years each company has been in business. A newer company may have an A rating on consumer sites simply because they have not been in business very long.
In situations like that, the rating may not be the best indication of the company's ability to provide adequate coverage for your home. You can, however, use reviews along with the other information you gather to help you choose the right coverage.
Top Home Warranties For Alaska Reviewed
Now that you know what you need to look for when shopping for a home warranty, you need to know which companies offer the best home warranty plans in Alaska. So, we put together a list of the top 5 Alaska home warranty companies with information about each, the programs they offer, and the pros and cons of working with each.
Choice Home Warranty Review (Best Overall Home Warranty)
Why Do We Like Choice?
Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.
Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items.
Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.
The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.
A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.
That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.
Policy On Pre-Existing Issues or Older Units?
Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life.
What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).
- Good Limits (up to $1,500)
- Minimal Exclusions
- More Affordable
- Only 15 Home Appliances & Systems Covered
American Home Shield Review (Editor's Choice)
Why Do We Like American Home Shield?
Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.
In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.
They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.
Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Highest Payout Limits (up to $3,000)
- Widest Coverage (21 systems and appliances)
- Fewest Exclusions
- Most Expensive
Select Home Warranty Review (Most Affordable)
Why Do We Like Select Home Warranty?
Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.
If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.
Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Most Affordable Service Contracts
- Roof leaks Are Covered In Their Platinum Plan
- Ultra Pushy Sales
- 3 Days To Submit Claim
- Weaker Network Of Contractors
Liberty Home Guard Review
Why Do We Like Liberty Home Guard?
Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice.
Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home.
Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month.
We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.
Policy On Pre-Existing Issues or Older Units?
If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.
- State of the art customer portal system
- Rigorous testing for contractors
- Ability to use your own contractors
- Fair pricing
- Good customer service for a newer company
- Must report your issues within one day of noticing a problem
Service Plus Review
Why Do We Like Service Plus?
Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.
Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.
Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and AHS, Service Plus covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- You Can Choose Your Own Technicians
- Roof Coverage
- More Exclusions Than Most Competitors
- The Worst BBB score
- Low Payout Limits ($500)
Final Thoughts On Alaska Home Warranties
Alaska homeowners' concerns when it comes to property maintenance are different from others in the United States. Regardless of whether you live in Juneau or Anchorage, the weather, geography, and location of your Alaska home mean you do not have to worry about air conditioning coverage. Still, you do have to make sure the plan you select includes coverage for your heating system, water heater, and other home systems on your property like well pumps, septic systems, plumbing systems, sump pumps, and electrical.
By carefully reviewing each coverage option and choosing a comprehensive plan from one of the top 5 best home warranty companies in Alaska, you can rest assured that your property is covered no matter what malfunctions.