Written By David Cusick
Last Updated April 2024
Magalia offers homeowners some great living options. However, unplanned repair and replacement costs on your home’s systems and appliances can get quite expensive. A home warranty is a way to protect your budget from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Finding the right protection for your home can be challenging, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Magalia. Read on for our recommendations.
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 Magalia, Choice Home Warranty offers the best overall home warranty. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage caps associated with Choice’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
To read more, visit our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 Magalia, Select Home Warranty offers the most cost-effective home warranty. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. The coverage caps associated with Select’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
To read more, visit our review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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 Magalia, American Home Shield offers the most customizable home warranty. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. The coverage caps associated with AHS’s plans are around the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To read more, visit our review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or give them a call at 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 Magalia, First American Home Warranty offers the best home warranty for appliance coverage. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options. First American offers very affordable and comprehensive appliance coverage. Plus, it also 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.
First American Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage caps associated with First American’s plans are around the $1,500 mark for most of the major systems and appliances, and service fees are a reasonable $85.
To read more, visit our review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 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 Magalia, Cinch Home Services offers the home warranty with the best workmanship guarantee. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a combination of appliance and system coverage. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To read more, visit our review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 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 Magalia, The Home Service Club offers the best home warranty with the quickest service. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that provide a combination of appliance and system coverage. The coverage caps associated with HSC’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To read more, visit our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,490 |
Heating | $4,327 |
Electrical | $649 |
Toilets | $541 |
Washer/Dryer | $865 |
Plumbing | $649 |
Oven | $1,731 |
Fridge | $649 |
A home warranty is a protection policy that helps Magalia homeowners in lowering the expenses of appliance and system repairs. The plans offer financial coverage to swap out or repair appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid high-priced emergency repairs. The coverage is particularly helpful for those living in older houses or houses with systems near the end of their life span. However, homeowners with newer homes and modern appliances may not require a home warranty.
Home warranties safeguard both your home systems and appliances. Common appliances covered under a home warranty include garbage disposals, dryers, washers, dishwashers, refrigerators, microwaves, and others. Covered systems include plumbing, heating, electrical, and air conditioning. Many home warranties offer additional add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. Magalia homeowners should know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. You need to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Before signing a home warranty contract, you should understand key terms like:
There are several key factors to consider when selecting a home warranty provider:
Home warranty coverage varies, although most plans provide coverage for AC, plumbing, heating, electrical, and appliances. More extensive plans may also include extra things such as pools, well pumps, spas, and roof leaks. Look for companies with an array of coverage options, such as upgraded plans. You'll want to tailor your protection for your needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per repair request filed. The per-request costs can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's reputation can give you insight into things such as approval rates, contractor quality, repair timeliness, and customer satisfaction. Use review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Good ratings and feedback indicate a provider known for exceptional service.
Home warranty companies have networks of technicians to handle covered repairs. Larger networks increase the probability of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in Magalia to get a sense of how soon your repairs could be handled in an emergency.
Home warranty companies often offer bonuses such as energy efficiency upgrades, coverage for smart home devices, and maintenance discounts. These extras add value beyond basic repair coverage. Additional perks maximize the usefulness of your home warranty.
Magalia’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty will cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the repairs, saving you from spending unexpected money out of pocket.
Not only can a home warranty give you some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a technician and schedule a repair. A home warranty deals with this process by sending trusted professionals to your door when you need them most. Additionally, having a home warranty can help make your house more appealing to potential homebuyers if you ever decide to sell in the future. Many home warranty providers will allow you to transfer your policy to a new owner and give them the protection you’ve been getting.
As for the negatives of home warranties, coverage varies by provider, so it’s important to understand what each plan covers and excludes in the contract.
Another possible pain point of home warranties is that they don’t cover systems or appliances that haven’t been properly maintained. This can lead to your repair requests being denied, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Magalia can cost anywhere from $30 to $60 a month. Higher-priced plans usually have a lower service fee, higher coverage limits, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some companies will also lower your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover problems 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 your entire home from natural disasters, which might not be too much of a concern in Magalia. It doesn't cover a normal appliance or system breakage.
A home warranty can help homebuyers, homeowners, real estate agents, home sellers, and investors. It can provide peace of mind and savings to anyone involved with homeownership.
The different types of home warranties in Magalia include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your home systems and appliances, including your washing machine, drier, and heating and cooling systems. An appliance or system plan will cover only the items mentioned in the plan.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month plans.
Usually, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who has to pay the service fees. In Magalia, where the median value of a home is $277,685, having the seller pay for the home warranty can save you some money on your new home.