Written By David Cusick
Last Updated February 2024
Although homeownership in El Mirage has many benefits — such as the convenience of city life — there are also downsides. One major issue many homeowners have to deal with at some point is updating or repairing their home appliances and systems. A home warranty can give you the peace of mind you need and shield your savings account from large expenses by covering your home’s major appliances and systems.
The home warranty market has many providers — all with different offerings — so the Today's Homeowner team has done the research to help you find the best home warranty companies in El Mirage.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
In El Mirage, Liberty Home Guard offers the most trustworthy home warranty. Liberty is a home warranty provider with 6 years of experience in the industry, and it has become one of the best providers in the business. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 home warranty plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000 at the maximum.
To read more, visit our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
In El Mirage, Choice Home Warranty offers the best overall home warranty. Choice is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 home warranty plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000 at the maximum.
To read more, visit our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In El Mirage, Select Home Warranty offers the most cost-effective home warranty. Select is a home warranty provider with 11 years of experience in the industry, and it has become one of the best providers in the business. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000 at the maximum.
To read more, visit our review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
In El Mirage, American Home Shield offers the most customizable home warranty. AHS is a home warranty provider with 26 years of experience in the industry, and it has become one of the best providers in the business. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500 at the maximum.
To read more, visit our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In El Mirage, First American Home Warranty offers the best home warranty for appliance coverage. First American is a home warranty provider with 39 years of experience in the industry, and it has become one of the best providers in the business. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The 2 home warranty plans that First American offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also around $1,500 at the maximum.
To read more, visit our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
In El Mirage, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch is a home warranty provider with 44 years of experience in the industry, and it has become one of the best providers in the business. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000 at the maximum.
To read more, visit our review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
In El Mirage, The Home Service Club offers the best home warranty with the quickest service. HSC is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 home warranty plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000 at the maximum.
To read more, visit our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
Home Appliance | Repair Cost |
---|---|
Air Conditioner | $6,419 |
Heating | $4,279 |
Electrical | $642 |
Toilets | $535 |
Washer/Dryer | $856 |
Plumbing | $642 |
Oven | $1,712 |
Fridge | $642 |
A home warranty is a protection policy that assists El Mirage homeowners lower the high costs of household repairs. These plans provide financial coverage to repair or swap out appliances and systems that break down from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty plan gives homeowners peace of mind and can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties cover many home systems and appliances. Common covered appliances include dryers, microwaves, dishwashers, garbage disposals, washers, refrigerators, and others. Protected systems include heating, air conditioning, electrical, and plumbing. Various home warranty plans offer add-on coverage for central vacuums, septic systems, roof leaks, and even locksmiths. It's important for El Mirage homeowners to know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, pre-existing conditions, natural disasters, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by your policy.
Here are some key home warranty terms to know before signing a contract:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage can have major differences in what's included. Most plans include protection for plumbing, electrical, heating, AC, and appliances. More comprehensive plans also offer coverage on other items such as roof leaks, well pumps, spas, and pools. Look for a company that offers comprehensive coverage choices, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which is paid per repair request filed. The costs from multiple fees can add up. You may decide to look for companies with lower service fees to maximize your savings on each claim. Some companies also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty provider's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Positive ratings and reviews indicate that a provider is known for top-tier service.
Home warranty companies have networks of contractors to handle covered repairs. More extensive networks raise the probability of getting qualified technicians to swiftly service your home. Reach out to potential providers and ask how many contractors they have in El Mirage to get a sense of how soon your repairs could happen in an emergency.
Certain home warranty providers include perks such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These provide extra value beyond repair coverage. Extra perks enhance your home and help maximize your home warranty.
Since temperatures in El Mirage can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Additionally, having a home warranty can save you some time by eliminating the need to research contractors — most providers will send a trusted professional right to your door to complete the repair or replacement. Another added benefit of having home warranty coverage is that it can raise your home’s property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
One major drawback of a home warranty is not every home system and appliance you care about may be covered. It’s important to research the different policies and get one that covers all the appliances, systems, and add-ons you need.
Another thing to take into consideration is that some providers don’t cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you need more information or if this is a problem for you.
A home warranty in El Mirage can cost anywhere from $30 to $60 a month. The higher-priced plans usually have broader coverage, a lower service fee, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also lower your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty policies cover issues related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger insurance that protects the entire home from natural disasters, which can sometimes be a concern in El Mirage. It doesn't cover a normal appliance or system repairs.
Homebuyers, home sellers, real estate agents, homeowners, and landlords can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
The different kinds of home warranties in El Mirage include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover almost all your systems and appliances, including your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the items listed in the plan.
Home warranty plans typically offer coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
Typically, the person who owns the home pays for the home warranty. In some cases, though, the person who is selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in El Mirage is $354,678, a home warranty can save you some money when buying a home.