Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Owning a house can have lots of benefits, but it can also come with some negatives like maintenance. The older your house’s systems and appliances are, the more likely it is that you'll benefit from a home warranty. A home warranty can help protect homeowners by lowering the costs of major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be challenging, since there are dozens of companies to choose from. That’s why the Today's Homeowner team did the research and put together a list of the best home warranty companies in Surprise for you.
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
Liberty Home Guard offers the most trustworthy home warranty in Surprise. Liberty has more than 6 years of experience in the home warranty industry and in that time has built a an network of service professionals nationwide. Liberty has 3 plans for homeowners to decide between. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Surprise area.
To read more, visit our Liberty Home Guard Review. To get 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
Choice Home Warranty offers the best overall home warranty in Surprise. Choice has more than 15 years of experience in the home warranty industry and in that time has built a an network of service professionals nationwide. Choice has 2 plans for homeowners to decide between. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Surprise area.
To read more, visit our Choice Home Warranty Review. To get 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
Select Home Warranty offers the most cost-effective home warranty in Surprise. Select has more than 11 years of experience in the home warranty industry and in that time has built a an network of service professionals nationwide. Select has 3 plans for homeowners to decide between. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you’ll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the Surprise area.
To read more, visit our Select Home Warranty Review. To get 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
American Home Shield offers the most customizable home warranty in Surprise. AHS has more than 26 years of experience in the home warranty industry and in that time has built a an network of service professionals nationwide. AHS has 3 plans for homeowners to decide between. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Surprise area.
To read more, visit our American Home Shield Review. To get 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
First American Home Warranty offers the best home warranty for appliance coverage in Surprise. First American has more than 39 years of experience in the home warranty industry and in that time has built a an network of service professionals nationwide. First American has 2 plans for homeowners to decide between. If you’re looking for very affordable and comprehensive appliance coverage, you’ll want to have this plan on your side. Plus, 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Surprise area.
To read more, visit our First American Home Warranty Review. To get 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Surprise. Cinch has more than 44 years of experience in the home warranty industry and in that time has built a an network of service professionals nationwide. Cinch has 3 plans for homeowners to decide between. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Surprise area.
To read more, visit our Cinch Home Services Review. To get 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
The Home Service Club offers the best home warranty with the quickest service in Surprise. HSC has more than 15 years of experience in the home warranty industry and in that time has built a an network of service professionals nationwide. HSC has 2 plans for homeowners to decide between. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you’ll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Surprise area.
To read more, visit our The Home Service Club Review. To get 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 | $6,764 |
| Heating | $4,509 |
| Electrical | $676 |
| Toilets | $564 |
| Washer/Dryer | $902 |
| Plumbing | $676 |
| Oven | $1,804 |
| Fridge | $676 |
A home warranty is a protection policy that assists Surprise homeowners reduce the costs of appliance and system repairs. The plans offer coverage to fix or swap out appliances and systems that stop working due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty plan gives homeowners peace of mind because it can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties cover many home systems and appliances. Warranties usually cover appliances such as washers, refrigerators, dryers, dishwashers, microwaves, garbage disposals, and others. Covered systems include heating, electrical, air conditioning, and plumbing. Many home warranty providers also offer add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. Most home warranty plans require Surprise homeowners to wait 30 days before the plan will cover repairs. Moreover, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Before signing a home warranty contract, you should understand key terms like:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans provide coverage for electrical, heating, AC, plumbing, and appliances. More robust coverage options also offer coverage on other items such as spas, well pumps, roof leaks, and pools. Focus on companies with broad coverage options including upgraded plans. Flexibility like this will help you customize protection for your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out companies advertising more affordable fees to optimize savings on each repair claim. Certain companies may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty company's reputation provides insight into things such as contractor quality, repair timeliness, approval rates, and customer satisfaction. Check review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Good ratings and feedback indicate a provider known for exceptional service.
Home warranty companies have networks of professionals that they use to tackle covered repairs. More extensive networks raise the chance of getting skilled contractors to your home promptly. Contact possible providers to find out how many technicians they have in Surprise. This helps you understand how long repairs could take in an urgent situation.
Home warranty companies sometimes offer perks such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These add value beyond basic repair coverage. Additional perks can maximize the usefulness of your home warranty.
Home warranty policies are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Surprise hitting an average high of 82℃F, you may find that certain appliances, like your air conditioner, get a lot of use. A home warranty can significantly decrease out-of-pocket costs should your HVAC system stop working.
Not only can a home warranty offer some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a contractor and schedule a repair. A home warranty handles the research by sending trusted professionals to your door when you need them most. Another added benefit of having home warranty coverage is that it can increase your home’s real estate 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 company you purchased your home warranty through.
There are also some downsides to getting a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They often won’t cover systems or appliances that need repairs or replacements due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty in Surprise can cost anywhere from $30 to $60 a month. The higher-priced plans usually have a lower service fee, broader coverage, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some providers will also reduce your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty covers normal wear and tear to home systems and appliances. Homeowners insurance protects your home in a situation such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim should you need a new dryer or dishwasher, unless the damage is due to a natural disaster, which can be a threat in Surprise.
Homebuyers, landlords, homeowners, home sellers, and real estate agents can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
The different kinds of home warranties in Surprise include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your home systems and appliances, including your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the items mentioned in the plan.
Home warranty plans typically provide coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Usually the one who owns the home is responsible for paying for the home warranty. In some cases, however, the person who is selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Surprise is $433,314, a home warranty can save you some money when buying a home.
