Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Homeownership in Spring Creek has lots of perks, but it also comes with its difficulties. Your home’s appliances and systems will eventually need repairs, and this could mean a burdensome expense. A home warranty can give you the peace of mind you need and guard your bank account from unexpected expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be difficult, as there are lots of companies to choose from. That’s why our team at Today's Homeowner did the research and made a list of the best home warranty companies in Spring Creek 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
In Spring Creek, Liberty Home Guard is the most trustworthy home warranty. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information, read our Liberty Home Guard Review.
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 Spring Creek, Choice Home Warranty is the best overall home warranty. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also generally about $3,000.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information, read our Choice Home Warranty Review.
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
In Spring Creek, American Home Shield is the most customizable home warranty. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally about $2,500.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information, read our American Home Shield Review.
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 Spring Creek, First American Home Warranty is the best home warranty for appliance coverage. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, 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 2 plans that First American offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also generally about $1,500.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For more information, read our First American Home Warranty Review.
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 Spring Creek, Cinch Home Services is the home warranty with the best workmanship guarantee. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally about $1,000-$2,000.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information, read our Cinch Home Services Review.
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 Spring Creek, The Home Service Club is the best home warranty with the quickest service. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally about $2,000.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information, read our The Home Service Club Review.
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 | $6,317 |
| Heating | $4,211 |
| Electrical | $632 |
| Toilets | $526 |
| Washer/Dryer | $842 |
| Plumbing | $632 |
| Oven | $1,685 |
| Fridge | $632 |
A home warranty is a protection policy that assists Spring Creek homeowners cut the high costs of household repairs. These plans provide financial coverage to fix or swap out appliances and systems that stop working from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent costly emergency repairs. Home warranties are the most useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances may not require a home warranty.
Home warranties cover many home systems and appliances. Covered appliances typically include washers, dryers, microwaves, dishwashers, refrigerators, garbage disposals, and others. Covered systems include electrical, heating, air conditioning, and plumbing. Many home warranty companies also offer add-on coverage for locksmiths, central vacuums, roof leaks, and septic systems. It's important for Spring Creek homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. The majority of policies also only cover 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. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Before signing a home warranty contract, you should learn key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage varies, although most plans include protection for heating, AC, electrical, plumbing, and appliances. More inclusive plans may also provide protection for extra things such as spas, pools, well pumps, and roof leaks. Look for companies with an assortment of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for 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 providers with lower service fees to maximize savings. Some providers also offer disappearing deductibles after periods where a customer files no claims.
A home warranty provider's reputation provides insights into factors such as repair speed, contractor expertise, claim approval rates, and customer satisfaction. Read through review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about companies. Favorable reviews and ratings suggest a company known for delivering quality service.
Home warranty providers have networks of technicians that they use to tackle covered repairs. More extensive networks increase the probability of getting qualified contractors to your home promptly. Reach out to possible providers to ask how many repair professionals they have in Spring Creek to understand how long repairs could take in an urgent situation.
Home warranty companies often include perks such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These extras can add value beyond repair coverage. Additional perks help maximize the usefulness of the home warranty.
Since temperatures in Spring Creek can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
Not only does a home warranty give you some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a repair person and schedule a repair. A home warranty deals with this process by sending trusted professionals to your door when you need them most. Another good thing about having a home warranty is if you want to sell 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 home sell faster.
Home warranties also have some cons. Though it can save you time when the home warranty sends out a repair technician who carries out the repair for you, some may not like this, and they would prefer to choose a contractor themselves. If that’s the case for you, some home warranty plans allow you to choose a contractor.
Another possible pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your claims being denied, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Spring Creek can cost anywhere from $30 to $60 a month. Higher-priced plans tend to have a lower service fee, higher coverage limits, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some providers will also reduce your up-front costs when you agree to 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 protects against normal wear and tear to home systems and appliances. A homeowners insurance plan protects the entire home in a situation such as a natural disaster or fire. With homeowners insurance, you will not be able to file a claim if you need a new washing machine or dishwasher, unless the damage is due to a natural disaster, which isn't that common in Spring Creek.
A home warranty can help homeowners, real estate agents, home sellers, investors, and homebuyers. It can provide peace of mind and savings to anyone involved with homeownership.
A home warranty policy can cover your home’s systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan annually, 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 home seller 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 Spring Creek is $358,806, a home warranty can save you some money when buying a home.
