Top Best Home Warranty Companies In Alaska Review

Alaska can be a great place for homeowners that are looking for incredible wildlife, wide-open lands, and small towns with friendly people. Living in Alaska is unique, and being a homeowner in Alaska will undoubtedly be easier with a great home warranty in place. If you are looking for the best home warranty companies in Alaska, we have you covered. In this guide, we will cover . . . 

In this guide, we will cover . . . 

  • What is a home warranty?
  • Why should you have home protection on your home? 
  • What should you look for when purchasing a home warranty?
  • The 5 best home warranty companies in 2021
  • And much more!

It will come as no surprise that Alaska has some very cold temperatures throughout the course of the year. If you live in Alaska, a home warranty can ensure that your heating and electrical system stay in great condition all year long. Don’t get stuck paying thousands of dollars for a home appliance or system repair when there are alternative options out there to help. 

Home warranty companies give Alaska homeowners peace of mind and confidence in their ability to maintain and repair their own homes. If you are looking for the best home warranty company in Alaska, we have all the information you need. 

Editor's Choice
96.5

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer
Best Overall
97.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
96.1

$200 Off + FREE Bonus Month
Claim Offer

Best Home Warranty Companies in Alaska

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 Select Home Warranty
Editorial Rating 96.5
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 3 Liberty Home Guard
Editorial Rating 96.1
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  # 4 ServicePlus Home Warranty
Editorial Rating 95.5
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  • Save up to $150 on a new plan
  • Choose your own service fee!
  • Lower chance of claim denial
  • Higher fee for contract transfer
  • Higher cancellation fee

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.

Compare Alaska Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-
ServicePlus Home WarrantySiteBest Emergency Service$41 - $45$75 - $125A

Alaska Home Warranty Costs 

Now that you have had a chance to review the best home warranties in the state of Alaska, it’s important to have a thorough understanding of the costs involved. Homeowners that can adequately budget for a home warranty will save quite a bit of money. However, the first step in this process is to ensure that you get a great deal on your home warranty costs. At Review Home Warranties we felt it was necessary to develop the average cost of an Alaska home warranty. After doing in-depth research into all of the plan choices on the market, we have come up with averages across several different home types. Understanding these averages and what an Alaska home warranty costs will ensure you get a great deal on coverage for your home. 

Type

Average Annual Premium

Overall

$823.34

Single Family Home

$697.60

Multi-Family

$1,112.91

Townhome

$630.75

Condo

$630.75

Home Over 5,000 sq ft

$1,232.50

Home Under 5,000 sq ft

$747.86

Alaska Home Warranty Companies Reviews

Even with Alaska not being part of the contiguous United States, there are still plenty of options out there for home warranties. Alaska home warranties will vary in price coverage, service options, fees, coverage caps, customer service, and more. At Review Home Warranties, we analyzed each of the plans on the market to come up with the top five for your Alaska home.  Here are our reviews of the top 7 home warranty companies in the state of Alaska.

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty policy in the state of Alaska. Choice Home Warranty offers two very simple and straightforward home warranty policies that are designed to save homeowners time and money. The Choice Home Warranty plan has been on the market for more than a decade, and they are known for reliability and quick overall service. The Choice Home Warranty plans make a perfect option for Alaska homeowners that need a mix of both appliance and system coverage. 

Pros

Cons

Comprehensive plan options

It won’t allow for custom plan build-out

Simple contract

 

Fair overall pricing

 

Reasonable service fees

 

Good sign-on incentive 

 

 Plans and Pricing 

The Choice Home Warranty plans are the Basic Plan or the Total Plan. The Total Plan tends to be the more popular option for Alaska homeowners because of the wide range of services that it offers. There is nothing worse than having a home warranty in place, only to find out it won’t work because of an excluded item. Try to choose a policy with the broadest coverage for your home. 

Plans

Cost Per Month

Services Fee

Basic Plan

$42

$85

Total Plan 

$50 

$85 

Coverage

One of the things that really helps Choice Home Warranty stand out is the high coverage caps that are offered. The higher coverage caps allow up to $2500 or more if an issue comes up with one of the appliances or systems covered under the plan. This is an impressive amount of coverage and will come in handy with high-end appliances or systems. Here are some of the coverages that Alaska homeowners can take full advantage of with the Choice Home Warranty plan . . .

  • Plumbing system 
  • Washing Machine
  • Water Heater
  • HVAC system
  • Oven   

What Customers Are Saying: 

Choice Home Warranty has not backed down from their obligation to me. We had a bump in the road when my refrigerator went out, and the money they provided for it was enough to help me upgrade my refrigerator. I was curious to see how other home warranty plans worked, so I took out a second home warranty plan and waited to see what might happen. Then my toilet seal broke, and I had water running out of the bottom of the toilet. I thought, “here is my chance to see what another warranty company would do. I called this other company, and they sent a guy out. He looked at my toilet, then went into my crawl space. His news was grim. He said a piece of pipe needed to be replaced in my crawl. I asked how much it would cost. He gave me the price of $1,050. I was shocked. The other company denied the claim saying it was outside the living space. Not the house, but the living space.”Source

2. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty in the state of Alaska. Although there is some affordable housing in Alaska, the cost of maintaining an Alaskan home is quite high. With Select Home Warranty, you can keep costs down and ensure that all systems and appliances in the house are still in working condition. Select Home Warranty has been on the market for close to ten years, and they offer impressive coverage choices and availability across the entire United States. Each of the Select Home Warranty plans comes with free roof leak coverage. 

Pros

Cons

Impressive customer service

Lower policy limits

Clearly defined coverages and exclusions

Not great for high-end appliances and systems

High workmanship quality 

 

Straightforward policy choices 

 

Plans and Pricing

The Select Home Warranty plan has three plans to choose from The Gold and Bronze Care plans are a bit more limited in their coverage choices, but the Platinum Care plan is a combo plan that is well suited for a home in Alaska. For new homeowners on a budget, Gold or Bronze Care could be a great choice. 

Plan

Monthly Fee

Service Fees

Gold Care

$41 

$65

Bronze Care

$41

$65

Platinum Care

$47

$65

Coverage: 

Coverage for Select Home Warranty is broad and will cover all areas of your Alaska home. The only thing to watch out for is the coverage caps that you will run into when the repairs and replacements start to pop up. Most of the limits with Select are around $1000 or less. Depending on the age of your home and the appliances and systems, this could be enough money. Some of the coverages that Alaska homeowners find to be the most helpful include . . .

  • Heating systems 
  • Cooktops
  • Ceiling fans
  • Refrigerators 
  • Electrical systems 

What Customers Are Saying

I had an electrical issue that needed immediate resolution, I called SHW's claim department, and within 10 minutes, they had a vendor calling me to make a service appointment. D Blake Electric and Refrigeration responded within 2 hrs and resolved the issue; my thanks to both SHW and D Blake for outstanding service.” Source

3. Best Reviewed: Liberty Home Guard 

The Liberty Home Guard plan is an excellent choice for those looking for a valuable and highly rated company in the state of Alaska. Liberty Home Guard is a relatively new company, having only been on the market for two years. However, in that time, they have managed to earn an A rating with the BBB. For a company to earn a rating like this, the customer service and product offerings have to be rather impressive and appeal to a wide range of homeowners. Liberty Home Guard offers a wide range of coverage options and fair overall coverage limits. This is a new company that deserves a chance from Alaska homeowners. 

Pro

Cons

BB Rating of an A

Option plan choices are a bit higher in price

Overall fair pricing

The price increases quite a bit for comprehensive plans 

60 Day workmanship guarantee

 

Add on coverage list is extensive 

 

Plans and Pricing

The Liberty Home Guard policies are similar to the Select Home Warranty plans that have an option for appliances, systems, and a combo or complete plan. The Total Home Guard is a combo plan that is the most popular choice for homeowners in Alaska. With this plan, you get a great range of coverages, and the most important heating and electrical systems are also covered under the plan. 

Plans

Monthly Fees

Service Fees

Appliance Guard

$40

$60

Systems Guard 

$45

$60

Total Home Guard

$49.99

$60

Coverage: 

The Liberty Home Guard plans have decent coverage options, and then they have some of the most comprehensive add-on choices on the market. If you want something like your second refrigerator or your lawn sprinkler system covered, the Liberty Home Guard is the best plan for homeowners to consider. Those that choose the Liberty Home Guard plan typically choose coverages such as . . .

  • Garbage disposal
  • Washer
  • Air Duct
  • Water Heater 
  • HVAC

What Customers Are Saying: 

“They do a great job at communicating every step of the way. On one claim, the technician had to reschedule, and Liberty Home Guard reached out to let me know about the delay and that they had the option to send someone else out. Luckily, I was not in a massive hurry, so I was happy to wait.”  Source

4. Best Emergency Service: ServicePlus Home Warranty 

ServicePlus Home Warranty is the best option for emergency service in Alaska. With many of the homes in Alaska being a bit more remote, the ServicePlus Home Warranty offering emergency service is a tremendous benefit. The ServicePlus Home Warranty is a well-respected plan with excellent customer service and very fast response times. Customers like how simple the service contractors are and the service technicians that come to the home to complete the work. 

Pros

Cons

High-quality service technicians

Emergency service will have an upcharge

Simple contracts

 

Fastest service on the market 

 

An extensive network of technicians 

 

Plans and Pricing

ServicePlus keeps things simple with just two plans to choose from. The Gold Plan and the Platinum Plan are the two options from ServicePlus. The Platinum Plan tends to offer more of the coverages like the plumbing system and electrical system that Alaska homeowners are going to need. 

Plans

Monthly Fee

Service

Gold Plan

$42

$75

Platinum Plan 

$46

$75

Coverage

Coverage from the ServicePlus home warranty is good, but the coverage caps will be relatively low. However, for an affordable plan that will give you quick access to the service you need, ServicePlus is a smart choice. Some of the more essential coverages for Alaska homeowners to consider as part of their Platinum Plan include . . . 

  • Dishwasher
  • Garbage disposal
  • Electrical system
  • Plumbing System  
  • Refrigerator 

What Customers Are Saying:

You never know how good a policy is until you have to claim. This is a great company with excellent staff who provide knowledgeable, attentive, and efficient customer service to clients. Highly recommend.”Source

5. Best Coverage: First Premier Home Warranty 

First Premier Home Warranty is the best home warranty for Alaska residents that need extensive coverage. The First Premier Home Warranty company has only been on the market for a short time, but they have very low coverage costs and plenty of coverage options. One of the things that First Premier Home Warranty offers is an option to pay upfront for a few years to get impressive coverage for the home warranty plan and a very low price. In addition, the First Premier Home Warranty has a BBB rating of A-, which is quite impressive considering the time spent in the industry. 

Pros

Cons

BBB Rating of A-

Short time on the market 

A newer company that is continually improving 

Not everyone wants to pay upfront for the year

Low costs if you pay upfront 

 

Modern technology and systems in place 

 

Plans & Pricing 

Currently, First Premier Home Warranty only has two plan choices. The Platinum Plan is our favorite choice for the Alaska homeowner because of the impressive coverages that it offers. Keep in mind that heating system coverage is almost a must for an Alaska home warranty. If you want to pay upfront for the entire year or a few years at a time, the First Premier is a great choice. 

Plan

Monthly Fee

Service Fee

Premier Plan

$43

$75

Platinum Plan 

$50

$75 

Coverage

Overall the First Premier Home Warranty coverage is going to cover both systems and appliances. The Premier plan has more than 15 covered items; this is quite a bit more than any other home warranty’s basic plan choice. If you want a broad range for a fair price, this is a young and impressive company to consider going with. Some of the most popular coverages on the First Premier Home Warranty are . . . 

  • Refrigerators
  • Oven
  • Water heater
  • Plumbing system
  • Stovetop 

What Customers Are Saying 

“Great response in a timely manner. Excellent professional technicians. I have never had a problem with the First Premier Home Warranty. My dishwasher was “dead,” with no power. FPHW has sent their technician the next day, and he determined the control board burned. He ordered the spare part, and 2 days later, my dishwasher was working smoothly. Great experience. Keep up the great work.” Source 

What You Should Consider Before Buying A Home Warranty in Alaska

When purchasing a home warranty in Alaska, you need to be aware of how the policy works and how it can help you manage the needs of your home. If your home systems and appliances are starting to struggle or fail, the quality of your home warranty policy is going to matter. Alaska home warranties will need to have fairly priced and broad coverage to properly help you manage your Alaska home. Knowing what to look for in an Alaska home warranty is a big part of the buying process. Here are some of the most important things to consider. 

Coverage Caps 

The coverage caps are the amounts that a home warranty policy will pay out if an appliance or system breaks down. For some home, warranty plans the coverage caps will be around $500. For others, the coverage caps could be closer to $3000 or more. For Alaska homes with high-end appliances and systems, the higher coverage caps will be critical. 

Service Fees 

Service fees are the amount of money you will pay each time you have an appliance or system in your home that needs repair. The service fees can range in price from around $60 to more than $150. The service fees are considered to be out-of-pocket expenses, and you must ensure you are able to afford them. Once your service fee is covered, you will likely not need to pay any additional fees for a repair. 

Workmanship Guarantee 

The workmanship guarantee is how long your repair is considered to be suitable for once it is done by the home warranty company. If a refrigerator breaks one week after it has been fixed, chances are the second repair will be free of charge. Some of the best home warranty companies in Alaska have a 180-day workmanship guarantee. 

Home Warranty Tips for Alaska Residents

Whether you live in Anchorage, Juneau, or Fairbanks, there are going to be cold temperatures to manage in the state of Alaska. The more time you spend in Alaska, the more you will get used to the cold temperatures; however, this is not the case for the appliances and systems in your home. 

home warranty for Alaska facts

The heating system in an Alaska home is under quite a bit of pressure. Ensuring that you have coverage on your heating system and this heating coverage has good coverage limits will only help to ensure that you are getting an excellent value for your home warranty plan. 

Alaska residents also need to pay close attention to the electrical coverage that they have in their homes. Many times the heating system is tied into the electric system, and both will need to be in working order at all times. 

Sometimes living in smaller towns like Nome, Wasilla, or Seward means that you may have a hard time finding a repair technician to come to your home and fix or replace an appliance or system. Luckily with a home warranty in place, you will be guaranteed service within a certain period of time. 

Alaska residents have a lot of work to do to keep a roof clear of snow and ice and a hot water heater, effectively producing warm water all year long. This upkeep around the home can get quite expensive and demanding. Having the home warranty to cover you when these issues come up will be well worth the money that you pay. 

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:

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. 

Final Thoughts

Hopefully, you now feel as though you can choose an Alaska home warranty with confidence. There are some great options in the state of Alaska, but Choice Home Warranty stands out as the best overall choice. The Choice Home Warranty has two plan choices and a very straightforward policy contract for homeowners. With the extreme weather and climate conditions seen in Alaska, you will get your money’s worth with the Choice Home Warranty. To ensure that you get the best deal on your home warranty, it’s smart to get a few quotes. Getting several quotes will allow you to compare overall costs and the coverages associated with them. 

Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies

At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our best home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like: 

  • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Benefits
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

  • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
  • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
  • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score. 
  • Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service. 
  • Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher. 

Of the 50 different companies that we’ve reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.

Resources for Alaska Homeowners and Home Buyers

  • Alaska Housing Finance Corporation: The Alaska Housing Finance Corporation diligently works to make Alaska homeownership a reality. If you are looking for mortgage assistance or down payment grants, the Alaska Housing Finance Corporation can help. 
  • Homeownership Assistance Alaska: The US Department of Housing and Urban Development can help Alaska homeowners who are considering purchasing a home or who are trying to stay in their home during a difficult economic time. This is a federal agency that can offer assistance throughout the United States, not just the state of Alaska. 
  • US Department of Agriculture Rural Development: Many areas of Alaska are considered to be rural. The US Department of Agriculture and Rural Development can help provide assistance, education, and even financial help for those living in rural areas of Alaska. 
  • NeighborWorks Alaska: From homeowner education courses to first-time homebuyer assistance, the NeighborWorks Alaska program can ensure that you stay educated and informed as an Alaska homeowner.  
  • Alaska Community Development Corporation: The Alaska Community Development Corporation can help provide education and assistance about affordable and energy-efficient housing. The Alaska Community Development Corporation has a wide scope of services, and it is worth reaching out to see how they can potentially help you. 

Recap of Our Top Picks In Alaska

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 Select Home Warranty
Editorial Rating 96.50
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 3 Liberty Home Guard
Editorial Rating 96.10
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  # 4 ServicePlus Home Warranty
Editorial Rating 95.50
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 5 First Premier Home Warranty
Editorial Rating 95.30
  • Lower chance of claim denial
  • Choose your own service fee!
  • Multiple optional coverage items
  • Limited plan selection
  • Online chat not supported

Nearby States

All states
Home warranty Montana 32 companies available
Montana Home Warranty
Home warranty Washington 25 companies available
Washington Home Warranty
Home warranty Oregon 35 companies available
Oregon Home Warranty

Frequently Asked Questions in Alaska

Below are just some of the frequently asked questions we receive about home warranties in Alaska.

Q.

Is an Alaska home warranty worth it?

A.
Wear and tear is a concern in any home, but when your home is in the relentless weather cycles of Alaska, it is an even bigger concern. For breakdowns caused by wear and tear on the systems and appliances that keep your home functioning, a home warranty for your Alaska home can definitely be worth it. 
Q.

What are the best home warranty companies in Alaska?

A.
We are always taking a close look at the products and reputations of home warranty providers operating in each state. For your Alaska home, these are our top five choices.

  1. Choice Home Warranty
  2. Select Home Warranty
  3. Liberty Home Guard
  4. Service Plus
  5. America’s 1st Choice Home Club
Q.

What do home warranties cover?

A.
A home warranty is an extra line of defense for your savings and budget. When a homeowner’s insurance policy doesn’t cover something, a home warranty is there to add protection against common wear and tear to the most crucial systems and appliances in your home. Here’s a closer look at what you can expect.

1. Most Common Coverage


Systems

  • Electrical System
  • Water Heater
  • HVAC including ductwork
  • Plumbing System including stoppages

Appliances

  • Refrigerator
  • Oven / Range / Stove
  • Dishwasher
  • Built-in microwave
  • Clothes Washer
  • Clothes Dryer

You can also expect coverage for smaller systems and appliances like garbage disposal, doorbells, garage door openers, and ceiling fans.

2. What some cover


Some home warranty companies also offer optional coverage for items like roof leaks, well and septic pumps, pools and spas, sump pumps, freezers, and additional HVAC units.

3. What few cover


Some companies offer unique coverage that helps them stand out from the crowd. For instance, Select Home Warranty offers limited roof leak coverage on all plans, not just as an optional add-on. Liberty Home Guard offers coverage for home electronics.
Q.

How much does a home warranty cost?

A.
The main cost of a home warranty is the monthly premium. While most companies offer three types of plans: Appliance Plans, Systems Plans, and Combo Plans, a Combo Plan is by far the most popular. Here is the average cost of a Combo Plan among our top five providers.

Combo Plan
Monthly Cost
Annual Cost
Top 5 Average
$57
$684

The other cost that comes with a home warranty is the service call fee. This fee is only charged when you contact the home warranty company about a covered item and they send a service technician to your home. The cost of a service call fee is in the range of around $75 to $125. Usually, the higher the service call fee, the lower the premium payments. 
Q.

How do I choose a good home warranty in Alaska?

A.
Here are three steps you can take to make sure you are choosing the right home warranty option.

  1. Dig into the data - Do the kind of research you are doing right now. What do home warranty providers in your area offer? What is their reputation? Do all that kind of due diligence.
  2. Get multiple quotes - Find out from several companies the cost of a home warranty with all the specific coverage that you are looking for.
  3. Read the fine print - Make sure to read the service agreement carefully. Understand the details of coverage and limitations before you sign.