Written By David Cusick
Last Updated February 2024
Owning a home can have many benefits, but it can also come with some negatives 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 in Liberal can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
Finding the best home warranty on the market can be a challenge because of the numerous options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide to the top home warranty companies in Liberal.
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 Liberal. Liberty has been in the home warranty business for about 6 years. The 3 plans from Liberty are comprehensive and offer a mix of both system and appliance coverage. 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 caps from Liberty are around $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Liberal area.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For a more detailed breakdown, read 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 offers the best overall home warranty in Liberal. Choice has been in the home warranty business for about 15 years. The 2 plans from Choice are comprehensive and offer a mix of both system and appliance coverage. 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 caps from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Liberal area.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For a more detailed breakdown, read 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 offers the most cost-effective home warranty in Liberal. Select has been in the home warranty business for about 11 years. The 3 plans from Select are comprehensive and offer a mix of both system and appliance coverage. 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 caps from Select are around $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Liberal area.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For a more detailed breakdown, read 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 offers the most customizable home warranty in Liberal. AHS has been in the home warranty business for about 26 years. The 3 plans from AHS are comprehensive and offer a mix of both system and appliance coverage. 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 caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Liberal area.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For a more detailed breakdown, read 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 offers the best home warranty for appliance coverage in Liberal. First American has been in the home warranty business for about 39 years. The 2 plans from First American are comprehensive and offer a mix of both system and appliance coverage. 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 caps from First American are around $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Liberal area.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For a more detailed breakdown, read 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 offers the home warranty with the best workmanship guarantee in Liberal. Cinch has been in the home warranty business for about 44 years. The 3 plans from Cinch are comprehensive and offer a mix of both system and appliance coverage. 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 caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Liberal area.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For a more detailed breakdown, read 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 offers the best home warranty with the quickest service in Liberal. HSC has been in the home warranty business for about 15 years. The 2 plans from HSC are comprehensive and offer a mix of both system and appliance coverage. 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 caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Liberal area.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read 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 | $5,807 |
Heating | $3,871 |
Electrical | $581 |
Toilets | $484 |
Washer/Dryer | $774 |
Plumbing | $581 |
Oven | $1,548 |
Fridge | $581 |
A home warranty is a protection plan that helps Liberal homeowners in reducing the costs of appliance and system repairs. The plans provide 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 plan gives homeowners a sense of security since it can help avoid expensive 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 appliances and fixtures in good condition may not require a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include dishwashers, garbage disposals, washers, refrigerators, microwaves, dryers, and more. Covered systems are typically heating, plumbing, electrical, and air conditioning. Many home warranty companies provide add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. It's important for Liberal homeowners to know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover things like cosmetic issues, pre-existing conditions, natural disasters, or improper use of a system or appliance. It's important to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by the policy.
Before signing a home warranty contract, you should know key terms like:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage varies, although most plans cover plumbing, heating, electrical, AC, and appliances. More comprehensive options may also provide protection for additional items such as spas, well pumps, roof leaks, and pools. Look for providers with an assortment 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 service fee that can range from $60 to $100, which is paid per repair request filed. The per-request costs can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some providers also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty company's reputation can offer insight into things such as approval rates for claims, contractor quality, speed of repairs, and customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Positive ratings and reviews indicate that a company is known for quality service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Contact potential providers to learn the number of repair professionals they have in Liberal and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks increase the likelihood of getting qualified contractors to quickly service your home.
Some home warranty companies include bonuses such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These perks add value beyond just repair coverage. Extra bonuses help maximize the usefulness of your home warranty.
Since temperatures in Liberal can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of vetting contractors yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. Plus, having a home warranty can make your house more attractive to potential homebuyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your plan to a new owner and give them the protection you’ve been benefiting from.
One major drawback of a home warranty is not everything you care about may be covered. It’s important to weigh the different policies and opt for one that covers all the appliances, systems, and add-ons you need.
Additionally, if you don’t maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in Liberal can cost between $30 and $60 a month. Higher-priced plans usually have broader coverage, a lower service fee, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of plan that protects the entire home from natural disasters, which might not be too much of a concern in Liberal. It doesn't cover a normal appliance or system breakage.
A home warranty plan can help home sellers, homeowners, real estate agents, investors, and homebuyers. It can offer peace of mind and savings to anyone involved in homeownership.
The different kinds of home warranties in Liberal include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your home systems and appliances, including your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the items mentioned in the policy.
Generally, a home warranty plan lasts for a year and can be renewed yearly. Some companies may offer month-to-month options.
Usually 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 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 Liberal is $137,843, a home warranty can save you some money when buying a home.