Written By David Cusick
Last Updated February 2024
Owning a house can have a lot of benefits, but it can also come with some negatives like maintenance. The older your house’s appliances and systems are, the more likely it is that you'll benefit from a home warranty. A home warranty is a way to protect your savings account from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
Finding the best home warranty on the market can be a challenge because of the sheer number of options available. If you're frustrated with trying to compare them all, keep reading for our guide on the best home warranty providers in Murray.
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 Murray, Liberty Home Guard is the most trustworthy home warranty. Liberty offers 3 plans for homeowners to decide between. 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 per covered appliance or system.
For a more detailed breakdown, read our thorough review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, 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
In Murray, Choice Home Warranty is the best overall home warranty. Choice offers 2 plans for homeowners to decide between. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered appliance or system.
For a more detailed breakdown, read our thorough review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, 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
In Murray, Select Home Warranty is the most cost-effective home warranty. Select offers 3 plans for homeowners to decide between. 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage caps come out to around $2,000 per covered appliance or system.
For a more detailed breakdown, read our thorough review of Select Home Warranty. To receive a free quote from Select Home Warranty, 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
In Murray, American Home Shield is the most customizable home warranty. AHS offers 3 plans for homeowners to decide between. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 per covered appliance or system.
For a more detailed breakdown, read our thorough review of American Home Shield. To receive a free quote from American Home Shield, 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
In Murray, First American Home Warranty is the best home warranty for appliance coverage. First American offers 2 plans for homeowners to decide between. 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 per covered appliance or system.
For a more detailed breakdown, read our thorough review of First American Home Warranty. To receive a free quote from First American Home Warranty, 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
In Murray, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch offers 3 plans for homeowners to decide between. 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 per covered appliance or system.
For a more detailed breakdown, read our thorough review of Cinch Home Services. To receive a free quote from Cinch Home Services, 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
In Murray, The Home Service Club is the best home warranty with the quickest service. HSC offers 2 plans for homeowners to decide between. 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 per covered appliance or system.
For a more detailed breakdown, read our thorough review of The Home Service Club. To receive a free quote from The Home Service Club, 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 | $5,731 |
Heating | $3,820 |
Electrical | $573 |
Toilets | $478 |
Washer/Dryer | $764 |
Plumbing | $573 |
Oven | $1,528 |
Fridge | $573 |
A home warranty is a protection policy that helps reduce the high costs for Murray homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out appliances and systems that break due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid expensive emergency repairs. The coverage is especially helpful for owners of older houses or houses with systems near the end of their life span. However, homeowners with newer homes and working appliances might not require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are garbage disposals, dishwashers, microwaves, refrigerators, dryers, washers, and more. Covered systems are normally electrical, plumbing, air conditioning, and heating. Many home warranty providers offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Murray homeowners should know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by the policy.
Here are some key home warranty terms to learn before signing a contract:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty plans vary widely in what they include. Most plans provide protection for plumbing, electrical, heating, AC, and appliances. More inclusive options also include coverage for other items such as roof leaks, pools, spas, and well pumps. Look for companies with flexible coverage choices, including upgraded plans. This helps you tailor protection 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 lower service 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 can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty businesses maintain networks of local contractors to handle repairs in your area. Reach out to potential providers to learn how many repair contractors they have in Murray and get an idea for how fast your repairs could take place in an emergency situation. Larger networks raise the probability of getting qualified contractors to swiftly service your home.
Home warranty providers often include bonuses such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These extras add value beyond just repair coverage. Additional perks maximize the usefulness of your home warranty.
Murray’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can 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 necessary repairs, preventing you from spending unexpected money out of pocket.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of vetting technicians on your own, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Another benefit of having a home warranty is when you’re selling your home, some providers let you transfer your home warranty policy to the new owners. This can make your house more attractive to potential homebuyers and may help your house sell faster.
One of the main drawbacks of a home warranty is not every home system and appliance you care about may be covered. It’s important to research the different plans and sign up for one that covers all the appliances, systems, and add-ons you need.
Another consideration is that home warranties typically only cover repairs needed due to normal wear and tear. They often won’t cover systems or appliances that have stopped working due to natural disasters, improper maintenance, animal infestations, etc.
A home warranty in Murray can cost between $30 and $60 a month. Higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some companies will also reduce 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 warranties cover issues related to home 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 your entire home from natural disasters, which can sometimes be a concern in Murray. It doesn't cover a normal appliance or system repairs.
A home warranty can help home sellers, investors, real estate agents, homebuyers, and homeowners. It can provide peace of mind to anyone involved with homeownership.
The different types of home warranties in Murray include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover many of your home systems and appliances, including your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover only the items mentioned in the policy.
Home warranty plans generally last a year. Many providers let you renew your plan each year, and some offer month-to-month plans as well.
Usually, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Murray, where the median value of a home is $167,036, having the seller pay for the home warranty can be a good asset for your new home.