Written By David Cusick
Last Updated February 2024
The cost of maintaining a home in Lake Station can be costly, particularly as your home ages and your appliances and systems have to be updated or repaired. A home warranty policy can help protect homeowners by covering major repairs and replacements on your home’s most important appliances and systems.
The home warranty market is saturated with many providers — all with different price points — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Lake Station.
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 Lake Station, Liberty Home Guard offers the most trustworthy home warranty. Liberty is a home warranty company with 6 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 plans from Liberty are easily comprehensible and have a mix of both system and appliance coverage. When you buy a home warranty from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that provide a combination of appliance and system coverage. Service fees from Liberty are an affordable $75. The coverage caps are also typically around $3,000 at the maximum.
Read more by visiting our Liberty Home Guard Review. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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 Lake Station, Choice Home Warranty offers the best overall home warranty. Choice is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. The 2 plans from Choice are easily comprehensible and have a mix of both system and appliance coverage. When you buy a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty 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. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000 at the maximum.
Read more by visiting our Choice Home Warranty Review. To receive 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 Lake Station, Select Home Warranty offers the most cost-effective home warranty. Select is a home warranty company with 11 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 plans from Select are easily comprehensible and have a mix of both system and appliance coverage. When you buy a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty 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. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000 at the maximum.
Read more by visiting our Select Home Warranty Review. To receive 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 Lake Station, American Home Shield offers the most customizable home warranty. AHS is a home warranty company with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 plans from AHS are easily comprehensible and have a mix of both system and appliance coverage. When you buy a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield 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. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500 at the maximum.
Read more by visiting our American Home Shield Review. To receive 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 Lake Station, First American Home Warranty offers the best home warranty for appliance coverage. First American is a home warranty company with 39 years of experience in the industry, and it has established itself as one of the best providers in the business. The 2 plans from First American are easily comprehensible and have a mix of both system and appliance coverage. When you buy a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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. Service fees from First American are a reasonable $85. The coverage caps are also typically around $1,500 at the maximum.
Read more by visiting our First American Home Warranty Review. To receive 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 Lake Station, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch is a home warranty company with 44 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 plans from Cinch are easily comprehensible and have a mix of both system and appliance coverage. When you buy a home warranty from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services 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. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically around $1,000-$2,000 at the maximum.
Read more by visiting our Cinch Home Services Review. To receive 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 Lake Station, The Home Service Club offers the best home warranty with the quickest service. HSC is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. The 2 plans from HSC are easily comprehensible and have a mix of both system and appliance coverage. When you buy a home warranty from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club 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. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000 at the maximum.
Read more by visiting our The Home Service Club Review. To receive 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 | $6,076 |
Heating | $4,051 |
Electrical | $608 |
Toilets | $506 |
Washer/Dryer | $810 |
Plumbing | $608 |
Oven | $1,620 |
Fridge | $608 |
A home warranty is a protection plan that helps Lake Station homeowners in reducing the expenses of appliance and system repairs. The plans offer coverage to swap out or fix appliances and systems that malfunction due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty plan gives homeowners peace of mind because it can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include washers, dishwashers, microwaves, garbage disposals, dryers, refrigerators, and more. Covered systems are normally air conditioning, electrical, plumbing, and heating. Many home warranty providers offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Lake Station homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only help pay for repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should learn key terms like:
There are several key considerations when choosing a home warranty provider:
Home warranty coverage varies, although most plans cover AC, heating, electrical, plumbing, and appliances. More extensive plans may also cover extra things such as well pumps, spas, pools, and roof leaks. Look for companies with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your home’s needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, 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 provider's reputation can offer insight into things such as approval rates for claims, speed of repairs, contractor quality, and customer satisfaction. Look at 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 company is known for top-tier service.
Home warranty businesses have networks of local technicians to handle repairs in your area. Reach out to potential providers to learn how many repair technicians they have in Lake Station and get an idea for how quickly your repairs might happen in an emergency situation. Larger networks improve the chances of getting qualified contractors to promptly service your home.
Some home warranty providers may include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These can provide extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your home warranty.
Temperatures in Lake Station can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in Lake Station, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
In addition, having a home warranty can save you time by getting rid of the need to research contractors — most providers will send a trusted professional right to your door to carry out the necessary repair or replacement. Another benefit of having a home warranty is while selling your home, some providers let you transfer your home warranty plan to the new owners. It can make your home more attractive to potential homebuyers and help your home sell faster.
One major drawback of a home warranty is not everything you care about may be covered. It’s important to research the different policies and select one that covers all the appliances, systems, and add-ons you need.
Another drawback is that home warranties may exclude some repairs, like those due to natural disasters. For example, if a tree falls onto your house and damages the roof, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty in Lake Station can cost between $30 and $60 a month. Higher-priced plans typically have broader coverage, a lower service fee, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some companies 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 plans cover problems with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different insurance that protects the entire home from natural disasters, which might not be too much of a concern in Lake Station. It doesn't cover a typical appliance or system breakage.
First-time homebuyers, home sellers, real estate agents, landlords, and homeowners 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.
A home warranty policy will cover your home’s appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Home warranty plans typically last a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Typically, the one who owns the home is responsible for paying for the home warranty. In some cases, however, the one selling the home may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Lake Station is $140,910, a home warranty can save you some money when buying a home.