Written By David Cusick
Last Updated February 2024
Owning a house can have a lot of advantages, but it can also come with some downsides like maintenance. The older your house’s systems and appliances are, the more you may want to consider getting a home warranty. A home warranty in Port St. Lucie can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
The home warranty market is filled with a variety of providers — all with different plans — so our team at Today's Homeowner has done the research to help you choose the best home warranty companies in Port St. Lucie.
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 is the most trustworthy home warranty in Port St. Lucie. Liberty has more than 6 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Liberty has 3 simple plans, making the selection process easy. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is lower than other providers in the Port St. Lucie area.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read more by visiting our review of Liberty Home Guard.
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 is the best overall home warranty in Port St. Lucie. Choice has more than 15 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Choice has 2 simple plans, making the selection process easy. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the Port St. Lucie area.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read more by visiting our review of Choice Home Warranty.
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 is the most cost-effective home warranty in Port St. Lucie. Select has more than 11 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Select has 3 simple plans, making the selection process easy. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Port St. Lucie area.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read more by visiting our review of Select Home Warranty.
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 is the most customizable home warranty in Port St. Lucie. AHS has more than 26 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. AHS has 3 simple plans, making the selection process easy. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Port St. Lucie area.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read more by visiting our review of American Home Shield.
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 is the best home warranty for appliance coverage in Port St. Lucie. First American has more than 39 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. First American has 2 simple plans, making the selection process easy. First American has established itself as a company with very affordable and comprehensive appliance coverage. 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.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is lower than other providers in the Port St. Lucie area.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read more by visiting our review of First American Home Warranty.
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 is the home warranty with the best workmanship guarantee in Port St. Lucie. Cinch has more than 44 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Cinch has 3 simple plans, making the selection process easy. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Port St. Lucie area.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our review of Cinch Home Services.
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 is the best home warranty with the quickest service in Port St. Lucie. HSC has more than 15 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. HSC has 2 simple plans, making the selection process easy. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Port St. Lucie area.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read more by visiting our review of The Home Service Club.
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 | $6,558 |
Heating | $4,372 |
Electrical | $656 |
Toilets | $547 |
Washer/Dryer | $874 |
Plumbing | $656 |
Oven | $1,749 |
Fridge | $656 |
A home warranty is a protection policy that assists Port St. Lucie homeowners in lowering the costs of appliance and system repairs. The plans offer financial coverage to swap out or fix appliances and systems that malfunction due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid high-priced emergency repairs. The coverage is particularly helpful for buyers of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and working appliances might not need a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are dryers, microwaves, dishwashers, garbage disposals, refrigerators, washers, and more. Covered systems are typically electrical, air conditioning, plumbing, and heating. Many home warranty providers offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Most home warranty plans require Port St. Lucie homeowners to refrain from making claims for 30 days before the plan will cover repairs. Additionally, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover natural disasters, cosmetic issues, pre-existing conditions, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
There are multiple home warranty terms to know before signing an agreement, including:
There are several key factors to consider when selecting a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans provide coverage for AC, plumbing, electrical, heating, and appliances. More inclusive options also include protection for other items such as spas, roof leaks, well pumps, and pools. Look for providers with flexible coverage choices, including upgraded plans. This helps you customize your plan to your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using companies with more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's reputation provides insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Positive reviews and ratings indicate a provider known for stellar service.
Home warranty companies keep networks of technicians to handle covered repairs. Larger networks raise the probability of getting qualified technicians to quickly service your home. Ask potential providers how many contractors they have in Port St. Lucie to get a sense of how quickly your repairs could be handled in an emergency.
Home warranty companies sometimes include extras such as maintenance discounts, energy efficiency upgrades, and coverage for smart home devices. These extras can add value beyond repair coverage. Additional perks help maximize the usefulness of the home warranty.
Temperatures in Port St. Lucie can get quite high in the summer, which means your air conditioner is most likely going to get a good bit of use. As a homeowner in Port St. Lucie, one benefit of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of having to vet technicians on your own, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. Additionally, though it varies by company, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your property more attractive to potential homebuyers and help your home sell faster.
Home warranties also have some downsides. Although it can be convenient that the home warranty sends out a service technician who carries out the repair for you, some may not like this, and they may want to select a contractor themselves. If that’s important to you, some home warranty companies allow you to select a contractor.
Plus, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty in Port St. Lucie can cost anywhere from $30 to $60 a month. The higher-priced plans typically have higher coverage limits, a lower service fee, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some companies will also lower 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 types of damage each covers. A home warranty plan helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in case of a situation such as a fire or natural disaster. Under a homeowners insurance plan, you won't be able to file a claim should you need a new washing machine or air conditioner, unless the damage is due to a natural disaster, which can be a threat in Port St. Lucie.
Homebuyers, homeowners, home sellers, landlords, and real estate agents can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
The different home warranties in Port St. Lucie include plans that cover either appliances or systems as well as combination plans. A combination plan will cover your home systems and appliances, including your washing machine, drier, and HVAC. A plan that only covers appliances or systems will cover only the items mentioned in the contract.
Generally, a home warranty offers coverage for a year and can be renewed annually. Some companies may offer month-to-month options.
Usually the homeowner is responsible for paying for the home warranty. In some cases, however, the one selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Port St. Lucie is $390,896, a home warranty can be an added asset when buying a home.