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Top 5 Best Home Warranties For Your Electrical System (2020 Review)

Top Best Home Warranty Companies For Electrical Systems

Are you looking for the best home warranty for your electrical system? If so, you are in the perfect place. 

In this guide, you will learn:

  • What parts of your electrical system will a home warranty cover?
  • Do you need a home warranty plan for your electrical system?
  • How can you pick the right plan for your electrical system?
  • What providers offer the best coverage for your electric system?
  • And more!

At Review Home Warranties, we have reviewed nearly 70 home warranty companies from across the country. We know how beneficial a home warranty is for homeowners, renters, landlords, and realtors, mainly because your home insurance does not cover wear and tear. 

We also know it can be daunting to pick the right plan and provider. So, we did some of the work for you. 

Please take a look at what we found, and be sure to read our reviews of the top 5 best home warranty companies for covering your electrical system at the end.

Editor's Choice
97.0

$50 Off Your Plan
Claim Offer
Best Overall
97.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
95.8

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


Our Top Picks Overview

  # 1 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 American Home Shield
Editorial Rating 97.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 95.80
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Cinch Home Services
Editorial Rating 95.40
  • Get $100/ $50 off!
  • Large number of homeowners
  • Clients report fair compensation
  • Delays in repairs reported
  # 5 Total Home Protection
Editorial Rating 95.20
  • $150 OFF + 2 Months Free
  • Limited Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)

Do Home Warranties Cover Electrical System Replacement?

Complete electrical system replacement is rarely necessary. In most cases, when there is significant damage to your electrical system, it is due to a storm or other natural disaster. Those claims are taken care of by your homeowners insurance. 

If you do need a complete system replacement due to wear and tear, your home warranty will cover the replacement up to the limits on your plan. So, if you expect to have significant electrical needs in the future, you must sign up for a program with high replacement limits.

Is A Home Warranty Worth It For Your Electrical System?

Most home warranty providers offer systems protection as a package that covers your plumbing, electrical, ductwork, central vacuum, heating system, and air conditioning, as well as installed appliances like your water heater, dishwasher, and garbage disposal.

Help Paying For Major Repairs

So, when you cover your electrical system, you get coverage for other essential home systems. A home warranty is beneficial for most homeowners, especially if you are on a tight budget or want to prepare for major home repair expenses.

Save Time Looking For A Qualified Electrical Contractor

It is not only valuable in terms of the money you save, though. You save a lot of time when you become a home warranty customer because when you need repairs, you do not have to search for a licensed repair professional to complete the job. 

All of the top home warranty companies have networks of service providers that are pre-vetted. These professionals have a working relationship with the home protection carrier, and all of the top home warranty companies guarantee contractor labor for at least 30 days. 

You have peace of mind that the contractor completing your repairs is knowledgeable and professional.

Read Also: What Are The Recommended Home Warranty Plans For Appliances?

Peace Of Mind

If you have an older electrical system, it is even more critical for you to have a home warranty plan. In a new home, electrical wiring, plugs, breaker boxes, and plugs have to meet minimum standards set forth by the Department of Housing and Urban Development

So, new homeowners do not have to worry as much about dangers from faulty electrical work. As a homeowner of an older home, there are real dangers associated with electrical malfunctions. 

In addition to keeping good batteries in your smoke detectors, signing a home service contract can help to keep you safe if you have older electrical wires and outlets. Many homeowners live with lose outlets and broken light switches for years. 

Over time, these faulty components can short and cause dangerous house fires. With a home warranty, you do not have to wait to make repairs. When something breaks, you file a service request and let your home warranty company do the rest.

What Does A Home Warranty Cover For Electrical Systems?

Many homeowners do not use their home protection plan for repairs on all covered items. Perhaps that is because they do not know what all their package includes. 

When you purchase a home systems plan, it typically covers your switches, exhaust fans, circuit breakers, plugs, wiring, ceiling fans, and regulators. Some companies offer advanced electrical system coverage that includes coverage for lighting fixtures. 

There are also electronics packages for sale by some home warranty companies. Basic electrical systems coverage does not cover devices that are damaged due to a faulty electrical system. 

For more information on what home warranties cover, take a look at this video.

What Will A Home Warranty On Electrical System Coverage Exclude?

If you buy optional coverage for your electronic devices, it will pay for accidents, shorts, surges, and normal wear. However, it will pay if a major appliance breaks. To cover appliances, you will need a Combo or Appliances Plan in addition to your system plan.

Your plan may also exclude documented pre-existing conditions and items that are still under a manufacturer’s warranty.

Would A Home Warranty For Electrical Systems Cover Pre-Existing Conditions?

electrical systems like outlets covered by home warranties

Most electrical problems are not apparent to homeowners, and for the most part, home warranty companies do cover pre-existing electrical issues. 

There are a few exceptions, though. First off, if you send a home inspection that documents necessary electrical repairs, your warranty company is unlikely to cover those items. 

Having a home inspection done can also work in your favor, though. Many companies will pay claims if you submit a clear inspection.

It is also essential to read through a sample contract before signing up to ensure the plan includes pre-existing conditions. Reputable providers like American Home Shield do pay claims on older appliances and systems with undiagnosed pre-existing conditions.

Read Also: What Are The Top Plans For Home Sellers?

How Soon Can You Use A Home Services Contract For Your Electrical System After Purchase?

Most home warranty companies require you to wait 30 days before using your plan. However, there are a few situations when that might not be the case. 

For example, if you notify the company that you are selling your home, they may waive the waiting period. Most home warranty companies also waive the waiting period for new homeowners if the current owner transfers their plan or they purchase it in escrow. 

Some companies may also waive the waiting period if you send in a recent clean home inspection.

What To Look For When Picking The Best Home Warranty For Your Home Systems?

For the most part, home warranty providers do not offer standalone electrical coverage. That means that to purchase this coverage, you must select a package that either includes some of your home systems and appliances or a package that covers the systems in your home only. 

Even if you select the correct plan type, there are some other factors you should consider to pick the best plan for your electrical system.

Budget-Friendly Pricing

While you want the best coverage available, you also need to make sure it fits into your budget. Because there is a waiting period before you can use your home warranty coverage, you want to be sure that your plan is always in good standing. 

If you select a plan that is too expensive, you are unlikely to maintain it. The last thing you want is to invest in a program only to have it lapse before you need a major system replacement.

Read Also: Top 5 Best Home Warranties For Furnace?

Affordable Service Fees

In addition to your monthly or yearly plan cost, you will need to pay a service fee each time you make a claim. So, it is best to choose a plan with low deductibles. 

Otherwise, if you need something like a light switch replaced, your plan will not save you much money. Most provider service call fees are between $60 and $150 per claim. 

Some companies allow you to choose your own plan with the deductible you want, just like you can with many insurance policies. The higher the deductible, the lower the monthly premium you must pay.

Reservice Guarantee

electrical system coverage for home warranties

Anytime you have a contractor do work at your home, you want to make sure they guarantee the work. The same is true with home warranty companies. The best providers offer between 30 and 90 days of free reservice on provider labor and parts. 

That guarantee can save you a lot of money because if the item breaks during the reservice coverage period, you do not have to pay a second service call fee for a contractor to come back out and redo the repairs.

Positive Home Warranty Reviews

Home warranty reviews on consumer sites like the Better Business Bureau (BBB) are a great resource when shopping for coverage options. By reading local reviews, you can gain insight into the level of service customers in your area receive. 

That is important, especially if you live in a remote area. For homeowners in areas with fewer electricians, you will want to go with a company with an extensive network of providers because you will not have to wait as long for service calls. 

When you compare reviews from different providers, it is essential to know that the longer a company has been in business, and the more contracts the company has, the more reviews or complaints it may receive. 

A smaller company might have an A+ rating and very few complaints but offer low coverage limits and have a limited network of providers in your area. So, be sure to read reviews objectively. 

It is also wise to read both the consumer report and the company responses. Many homeowners that complain about their home warranty coverage do so because they are unclear on how their home warranty works.  

Reading through other customer experiences can help you prepare for working with your home service plan provider. It can help you determine which companies are most likely to pay claims and which companies consumers have trouble getting their claims approved.

Adequate Replacement Limits

Every home warranty has replacement and repair coverage limits. You want to make sure the plan you choose covers as much of the repair that you may need as possible. Otherwise, you will be responsible for a portion of the home warranty work completed on your property. 

If you have a replacement limit of $1,500 on your HVAC system and the home warranty service provider determines you need a total system replacement that will cost $10,000, you will need to pay the remaining $8,500, plus the service call fee. 

Each provider offers different coverage limits, and the replacement limits a carrier will pay differ depending on the item. So, it is essential to check your plan for the specific electrical system limits.

home warranty for a electrical systems facts

Value-Added Benefits

Each home warranty provider offers customers different free or value-added services. So, if you are trying to choose between great providers, looking at what extras each plan includes could help you make a decision. 

Here are some benefits to look out for: 

  • Free air filters
  • Free pest control
  • Discounts on parts and labor
  • Discounts on auto service
  • Free semi-annual HVAC checkups

We advise all homeowners to read through their contract and take advantage of all the features your plan offers. Many homeowners do not use their program to its full extent because they do not know what it includes.

Top Home Warranties For Your Electrical System Reviewed

Now that you know what to look for in a home warranty for your electrical, you are probably wondering which providers offer the best coverage for your home. Below you will find a review of the top five home warranty companies for covering your electrical system.

Our review includes important plan options, pricing, and the pros and cons of each provider. So, take a look at the top home warranty companies for covering your electrical system.

#1 Choice Home Warranty

Choice Home Warranty affordable and comprehensive plans. It has been in the home warranties for the past ten years, and the contractor network is extensive in the continental United States.  

Choice customers can choose between two great plans. The Basic Plan starts at just $36.17 a month, and it includes more than a dozen home systems and appliances, including your electrical system. 

If you want to include coverage for your HVAC system, clothes washer and dryer, and your refrigerator, the Total Plan adds those items for $42.85 per month.

Read Our Full Review of Choice Home Warranty

Pros: 

  • Both plans include your heating system. 
  • Choice guarantees contractor work for 90 days. 
  • Choice Home Warranty has an extensive network of service providers. 

Cons: 

  • Some customers report service call delays.
  • You may be required to pay some home warranty work-related fees for disposing of old parts.
  • Low replacement limits on some items might leave you paying out of pocket expenses.

#2 American Home Shield

The second provider on our list is American Home Shield (AHS). It has been in business since the 1970s, and over the last four decades, real estate agents, homeowners, investors, and landlords have trusted AHS for their personal and professional protection needs. 

AHS recently changed its plan structure, doing away with the build your own plan and instead opting for tiered combo plans with adjustable deductibles. The three plans AHS offers are the Appliances, Systems, and Combo plans. 

You can choose between three service call fees $75, $100, and $125 per claim. The monthly premium is lowest with the highest deductible, and the plans start at $39.99 monthly for the Appliances or Systems Plan. For the Combo plan, you can expect to pay between $49.99 and $69.99, depending on the deductible you choose. 

AHS also has fantastic add-on plan options for items like sprinkler systems, pools, whirlpool tubs, spas, and second air conditioners. AHS has the largest and most qualified networks of service providers. Yet, unlike some newer companies, AHS only guarantees contractor labor and parts for 30 days.

Read Our Full Review of American Home Shield

Pros: 

  • Flexible payment options and comprehensive coverage are available.
  • The network of service providers is vast and knowledgeable. 
  • The plans include coverage for undiagnosed pre-existing conditions and older appliances. 

Cons: 

  • To receive a lower deductible, you have to pay a higher monthly plan premium. 
  • AHS does not cover some building code violations. 
  • AHS only provides free reservice for contractor labor for 30 days.

#3 Select Home Warranty

Select Home Warranty opened in 2012, making it one of the newest providers on our list. However, Select Home Warranty has some of the most affordable plans available, and the coverage is excellent for first-time homebuyers or anyone living on a fixed income. 

You can choose between three comprehensive coverage options. The Bronze Plan and Silver Plans (appliances and systems) each cost $35.83 per month, but where customers see the benefit of choosing Select is with the Platinum Plan (combo plan) that includes appliances and systems for less than two dollars more each month. The Platinum package covers both for only $37.50 per month.

All of the Select Home Warranty plans include free limited roof leak coverage, and you can save money by paying for your plan upfront.

Read Our Full Review of Select Home Warranty

Pros: 

  • Select offers discounts on annual plans. 
  • You can cover your home systems and appliances with the Platinum Plan for just $37.50 per month.
  • All plans include limited roof leak protection for free.  

Cons: 

  • You have to make claims within three days. 
  • Select has a less established network of contractors. 
  • Customers in some areas report service delays.

#4 Total Home Protection

The newest company on our list of top home warranty companies for covering your electrical system is Total Home Protection, which opened in 2016. In addition to being one of the newest providers, it is also one of the more expensive choices.  

However, for property owners with an alternative plumbing system, well pump, sump pump, or septic system, Total Home Protection offers unparalleled septic system coverage. Total also offers two combo plans. 

The Gold plan starts at $45.33 per month, and the Platinum plan costs $52 per month. We suggest the Platinum plan, which includes coverage for your dishwasher, clothes washing machine, dryer, air conditioner, heating system, plumbing stoppages, and more.

Read Our Full Review of Total Home Protection

Pros: 

  • The septic system coverage is one of the best available. 
  • Contractor work is guaranteed for 90 days. 
  • The entry-level Gold Plan covers more than 15 appliances and systems. 

Cons: 

  • After the first 30 days, you have to pay a cancellation fee. 
  • You only have 24 hours to make claims. 
  • There may be service delays in some areas due to Select having a less extensive provider network.

#5 First American Home Warranty

Our final pick for home warranty coverage is First American Home Warranty. First American like AHS has been in the business since the 1970s, and it has also built a name for being a great home warranty provider in the real estate industry. 

Many budget-conscious and first time home buyers choose First American Home Warranty because the plans start at just $29 per month for the Basic Plan. The Premier plan adds protection for your clothes washer and dryer and refrigerator with ice makers, for $42.50 per month. 

Both plans include your electrical system. However, they do not cover your HVAC system. So, if you want protection for your air conditioning and heating systems, you need to add that coverage to one of the available plans.

Read Our Full Review of First American Home Warranty

Pros: 

  • First American offers some of the lowest entry-level pricing available. 
  • The customer support agents are friendly and helpful. 
  • The HVAC coverage add-on offers excellent coverage.  

Cons: 

  • You have to add air conditioning coverage on top of your plan. 
  • Deductibles may be higher on some items. 
  • You have to cancel your contract 30 days before it ends, or it renews automatically.

Our Top Pick For a Home Warranty On Electrical Systems

Choice Home Warranty is out top pick for homeowners who want to protect their electrical system. Choice offers affordable monthly plan premiums, the service provider network is established, it provides free reservice for contractor labor and parts, and it does not deny claims on older systems or systems with previous repairs. 

So, Choice Home Warranty is the perfect provider for covering both old and new electrical systems. To start your coverage, request a quote from Choice and a few other top home warranty companies for electrical systems from our list to compare coverage.