Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Homeownership in Spanish Springs comes with lots of positives, but it also comes with its challenges. Your home’s appliances and systems will eventually need repairs, and this could mean a burdensome expense. 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 considerably lower and give you some peace of mind.
Finding the best home warranty on the market can be time-consuming, since there are dozens of companies to choose from. That’s why the Today's Homeowner team did the research and compiled a list of the top home warranty companies in Spanish Springs for you.
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 for Spanish Springs residents. Liberty has more than 6 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process and policy coverage easily comprehensible.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to about $3,000 for each covered appliance or system.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read our Liberty Home Guard full review to learn more.
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 for Spanish Springs residents. Choice has more than 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 for each covered appliance or system.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our Choice Home Warranty full review to learn more.
Basic Plan
Total 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 for Spanish Springs residents. AHS has more than 26 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 for each covered appliance or system.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our American Home Shield full review to learn more.
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 for Spanish Springs residents. First American has more than 39 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. First American offers very affordable and comprehensive appliance coverage. Plus, 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. First American has 2 simple plans, making the selection process and policy coverage easily comprehensible.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage limits come out to about $1,500 for each covered appliance or system.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read our First American Home Warranty full review to learn more.
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 for Spanish Springs residents. Cinch has more than 44 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible.
The 3 plans from Cinch Home Services are 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 limits come out to about $1,000-$2,000 for each covered appliance or system.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our Cinch Home Services full review to learn more.
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 for Spanish Springs residents. HSC has more than 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 for each covered appliance or system.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our The Home Service Club full review to learn more.
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 | $6,864 |
| Heating | $4,576 |
| Electrical | $686 |
| Toilets | $572 |
| Washer/Dryer | $915 |
| Plumbing | $686 |
| Oven | $1,830 |
| Fridge | $686 |
A home warranty is a protection plan that helps cut costs for Spanish Springs homeowners needing appliance and system repairs. These plans provide financial coverage to repair or replace appliances and systems that break due to normal wear and tear.
Homeowners file 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 cost of the repair or replacement goes over the item's coverage limit. A home warranty plan gives homeowners peace of mind since it can help avoid costly 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 dryers, garbage disposals, refrigerators, washers, dishwashers, microwaves, and more. Covered systems are usually electrical, heating, air conditioning, and plumbing. Many home warranty companies offer add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. Spanish Springs homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only cover the cost of repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. Make sure to 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 know key terms like:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans provide coverage for AC, heating, plumbing, electrical, and appliances. More robust coverage options also include protection for other items such as well pumps, roof leaks, spas, and pools. Focus on companies with broad coverage options including upgraded plans. Flexibility like this will help you customize your plan to meet your needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out companies advertising more affordable fees to optimize savings on each repair claim. Certain companies may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Positive ratings and reviews indicate that a provider is known for quality service.
Home warranty businesses have networks of local technicians to handle repairs in your area. Contact potential providers to learn how many repair professionals they have in Spanish Springs and get an idea for how fast your repairs could take place in an emergency situation. Bigger networks raise the likelihood of getting qualified contractors to swiftly service your home.
Certain home warranty companies offer perks such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These can offer extra value beyond repair coverage. Extra perks enhance your home and help maximize your home warranty.
Home warranties are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Spanish Springs hitting an average high of 58℃F, you may find that some appliances, such as your air conditioning system, get a lot of use. A home warranty can considerably lower out-of-pocket costs should your HVAC system stop working.
Along with saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the headache of trying to find a qualified repair person to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair problems you may experience. Another good thing about having a home warranty is while selling your home, some providers let you transfer your home warranty plan to the new owners. This can make your house more attractive to potential homebuyers and may 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 research the different plans and select one that covers all the appliances, systems, and add-ons you need.
Another downside is that home warranties may not include some repairs, like those due to natural disasters. For example, if your house floods, the affected systems and appliances probably won’t be covered by the home warranty.
A home warranty plan costs, on average, about $300 to $600 a year in Spanish Springs. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by choosing a higher service fee. Additionally, it's usually less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your entire home in a situation such as a fire or natural disaster. Under homeowners insurance, you will not be able to file a claim should you need a new refrigerator or oven, unless the damage is due to a natural disaster, which is somewhat common in Spanish Springs.
A home warranty can help real estate agents, investors, homeowners, homebuyers, and home sellers. It can provide peace of mind to anyone involved with homeownership.
The different home warranties in Spanish Springs include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your home systems and appliances, such as your refrigerator, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the items listed in the policy.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.
Generally, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Spanish Springs, where the median home value is $506,764, having the seller pay for the home warranty can be a good asset for your new home.
