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!
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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 7 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|
|Total Home Protection||From $45.33 to $52||$75 flat rate|
|Amazon Home Warranty||From $42 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.
#1 Choice Home Warranty
Choice Home Warranty is our top pick for Alaskahome protection plans. Choice gives you two affordable plan options. The Basic Plan starts at $36.17 per month, and the Total Plan is $43.85.
Both of the packages offered by Choice include heaters and water heaters. So, Choice is an excellent option for Alaskans. You can also add-on coverage for home systems that are not included in your plan.
- Both plans cover heating systems and water heaters.
- Your plan options are affordable.
- You have access to 24/7 customer service.
- You have to pay an $85 service fee for each claim.
- Some customers report delays for service.
- Your replacement limits are low on some items.
#2 Select Home Warranty
Select Home Warranty started offering home protection plans in 2009. So, they are an established company.
As a Select customer, you have access to a strong network of experienced contractors, and you can select one of three plans. The Bronze and Gold Plans cover appliances and systems and cost just $35.83 per month.
The Platinum Plan offers covers appliances and systems for $37.50 per month. Of course, you can add additional items to each package.
- Customers report claims success.
- Cancellation is free for the first 30 days.
- Select offers affordable coverage options.
- You have to submit service requests within three days.
- You do not have access to as many service providers.
- Older appliances or pre-existing conditions may not be covered.
#3 Total Home Protection
Our third choice is Total Home Protection. However, if you have a septic system, you will want to consider Total because it offers superior coverage.
You can choose between two combo plans as a Total Home Protection customer. The Gold Plan is $45.33, and the Platinum Plan is $52 per month. Both policies cover a variety of home devices, but the Platinum Plan adds protection for your heating system, refrigerator, and clothes washer and dryer.
- Total offers excellent septic system coverage.
- Total Home Protection receives favorable ratings from consumers.
- You can add coverage for nearly 20 additional items.
- You may have longer waiting periods for service.
- You only have one day to submit claims.
- Heating systems are not included in the Gold Plan.
#4 Amazon Home Warranty
Amazon Home Warranty provides an appliance, systems, and combo plans for Alaskan homeowners, giving them the peace of mind that their appliances and systems are covered under a reliable warranty plan.
If you want a comprehensive plan that covers both systems and appliances, the combo plan includes nearly every home component. Regarding heating systems, this essential system with ductwork is covered in their Systems Plan. If you have an additional heating system in your Alaskan home, you can add-on coverage for a unit up to a 5-ton capacity.
The monthly costs range from $42-$52 per month or around $479-579 per year. The deductible is $75 per claim, which is average for the industry. But, compared to Choice Home Warranty’s flat rate of $85 per claim, Amazon’s deductible might be a better bang for your buck.
- You can submit claims online and over the phone and have access to 24/7 emergency services.
- Excellent A+ BBB rating
- The service call fee is affordable and right at industry standard
- Automatic renewal of plans are stopped for a cancellation fee of $30
- Customers complain about tricky terms and claim denial
#5 America’s First Choice Home Club
Our fifth choice is America’s First Choice Home Club. It has been in business for around 10 years and holds a solid B rating from the BBB. Customers appreciate the flexibility when it comes to the choice of a technician. If you don’t have a preference, AFC will still send an insured and knowledgeable technician to assist you. So, even if you live outside Anchorage or Fairbanks, you can seek home assistance from a local licensed contractor.
This company wants to help Alaskans save money when it comes to home repairs, which is why their plans begin at $37.50, lower than other companies on the market. With three plan options (Platinum, Gold and Silver) and several optional add-ons, your most essential items can be insured.
- Plans are affordable and begin at $37/month
- Customer can choose their contracted technician
- Coverage items available for colder weather
- $50 transfer fee to a new homeowner, compared to Choice Home Warranty’s free transfer of contract
- Contracts automatically renew 30 days before the contract ends
- Service fees aren’t a flat-rate per call and depend on your plan
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.