Written By David Cusick
Last Updated April 2024
Owning a house can have lots of perks, but it can also come with some downsides like maintenance. The older your house’s appliances and systems are, the more you may want to consider getting a home warranty. A home warranty policy can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be a challenge because of the numerous options available. If you're frustrated with trying to compare them all, keep reading for our guide on the top home warranty providers in Union Park.
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 Union Park. Liberty has 3 plans for you 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 caps associated with Liberty’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
Read more by visiting our Liberty Home Guard full review. To get a free quote from Liberty Home Guard, you can 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 is the best overall home warranty in Union Park. Choice has 2 plans for you 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 caps associated with Choice’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
Read more by visiting our Choice Home Warranty full review. To get a free quote from Choice Home Warranty, you can 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 is the most cost-effective home warranty in Union Park. Select has 3 plans for you 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 caps associated with Select’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
Read more by visiting our Select Home Warranty full review. To get a free quote from Select Home Warranty, you can 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 is the most customizable home warranty in Union Park. AHS has 3 plans for you 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 caps associated with AHS’s plans are close to the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
Read more by visiting our American Home Shield full review. To get a free quote from American Home Shield, you can 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 is the best home warranty for appliance coverage in Union Park. First American has 2 plans for you 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 caps associated with First American’s plans are close to the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
Read more by visiting our First American Home Warranty full review. To get a free quote from First American Home Warranty, you can 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 is the home warranty with the best workmanship guarantee in Union Park. Cinch has 3 plans for you 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 caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
Read more by visiting our Cinch Home Services full review. To get a free quote from Cinch Home Services, you can 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 is the best home warranty with the quickest service in Union Park. HSC has 2 plans for you 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 caps associated with HSC’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
Read more by visiting our The Home Service Club full review. To get a free quote from The Home Service Club, you can 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 | $6,464 |
Heating | $4,309 |
Electrical | $646 |
Toilets | $539 |
Washer/Dryer | $862 |
Plumbing | $646 |
Oven | $1,724 |
Fridge | $646 |
A home warranty is a protection plan that helps Union Park homeowners lower the costs of appliance and system repairs. The plans offer coverage to fix or replace 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 provider then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty provides peace of mind for homeowners by helping them prevent expensive emergency repairs. They're particularly useful for those who own older homes or ones with aging systems. Newer builds with functional fixtures probably don’t need a home warranty.
Home warranties protect many home systems and appliances. Typical covered appliances are microwaves, washers, dishwashers, dryers, refrigerators, garbage disposals, and others. Protected systems include air conditioning, plumbing, heating, and electrical. Various home warranty plans offer add-on coverage for septic systems, central vacuums, roof leaks, and even locksmiths. Most home warranty plans require Union Park homeowners to wait 30 days before the plan will cover repairs. Additionally, policies normally 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.
There are a number of home warranty terms to learn before signing an agreement, including:
There are several key considerations when selecting a home warranty provider:
Home warranty policies can have major differences in covered items. Most plans provide protection for AC, plumbing, electrical, heating, and appliances. More robust plans also extend protection to other items such as pools, spas, roof leaks, and well pumps. Look for companies with varied coverage options, including upgraded plans. This allows you to tailor protection to your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a company with lower service fees to maximize savings. Some providers also eliminate deductibles when customers have a claim-free period.
A home warranty provider's reputation can provide insight into things such as approval rates, repair timeliness, contractor quality, and customer satisfaction. Check review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty companies keep networks of contractors to handle covered repairs. Wider networks increase the probability of getting qualified technicians to quickly service your home. Ask potential providers how many contractors they have in Union Park to get a sense of how quickly your repairs could happen in an emergency.
Certain home warranty companies offer extras such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These bonuses can offer extra value beyond repair coverage. Added perks help improve your home and maximize your home warranty.
Home warranties are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Union Park reaching an average high of 81℃F, you may find that certain appliances, such as your air conditioning unit, get a lot of use. A home warranty can considerably decrease out-of-pocket costs should your HVAC system stop working.
A home warranty also saves you time and energy. Instead of spending hours finding and selecting a technician to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. Another benefit of having a home warranty is when you’re selling your home, you can most likely transfer your home warranty to the new owners. It can make your house more attractive to potential homebuyers and help your house sell faster.
One main drawback of home warranties is not every home system and appliance may be covered. It’s important to weigh the different policies and sign up for one that covers all the appliances, systems, and add-ons you need.
Another downside is that home warranties may not include some repairs, such as those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty in Union Park can cost between $30 and $60 a month. Higher-priced plans tend to have broader coverage, higher coverage limits, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also reduce your up-front costs when you opt for 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 plan helps protect against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your home in case of 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 washing machine or air conditioner, unless the damage is due to a natural disaster, which can be a threat in Union Park.
Homebuyers, landlords, homeowners, home sellers, and real estate agents are all eligible for 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 types of home warranties in Union Park include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your systems and appliances, including your washing machine, drier, and plumbing. An appliance or system plan will cover only the specific items listed in the policy.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some providers may offer month-to-month options.
Usually the one who owns the home pays for the home warranty. In some cases, however, the person who is selling the home may buy a home warranty plan 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 Union Park is $385,771, a home warranty can be an added asset when buying a home.