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.
Limited Time: New Customers Get $100 Off
Limited Offer: $50 Off + 1 month free
Limited Time: $150 Off + 2 Free Months + roof coverage
Our Top Picks Overview
What's In This Guide?
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.
Top 5 Best Home Warranties For Well Pumps
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.
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?
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.
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.
Top 5 Best Home Warranty Companies For Electrical Systems
|Well Pump Company Name||Premium Per Month||Deductible|
|Choice Home Warranty||From $36.17 to $43.85||$85 flat rate|
|American Home Shield||From $49.99 to $59.99||From $75-$125|
|Select Home Warranty||From $35.83 to $37.50||$75 flat rate|
|Total Home Protection||From $45.33 to $52||$75 flat rate|
|First American Home Warranty||From $28 to $42.50||From $75-$100|
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.
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.
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.
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.
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
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
Total Home Protect Review (Best For Larger Systems)
Why Do We Like Total Home Protect?
Total 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 Total Home Protect 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, Total Home Protect 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)
First American Home Warranty Review (Best Customer Service)
Why Do We Like First American Home Warranty?
First American Home Warranty made our list as a home warranty with above average customer service mixed with in with a decent price point.
The only drawback was that they aren’t nationwide lacking coverage in the following states: ND, MN, WI, IL, NY, VT, NH, ME, MA, CT , RI , DE, AL, HI, LA.
Their plan options include a “Basic“ plan, which only covers appliances and will run you about $28 per month. Their combo plan, which covers major systems and appliances branded the “Premier” plan costs around to ~$43 per month.
Overall a good home warranty provider, but just lacking the coverage, which would have helped make a better case for “best overall home warranty company”.
Policy On Pre-Existing Issues or Older Units?
Again, all of the home warranty providers seem to have adopted a similar policy in that they cover “old” appliances and systems 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!
- Great Customer Service (B+ BBB Score)
- Online Chat Support
- Not Available In 15 States
- Can’t Choose Your Own Contractor
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.