Written By David Cusick
Last Updated February 2024
Middle offers homeowners some beautiful housing options. However, unexpected repair and replacement costs on your home’s systems and appliances can get quite costly. A home warranty is a way to protect your bank account from unexpected home repairs and 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 difficult, as there are lots of companies to choose from. That’s why our team at Today's Homeowner did the research and put together a list of the best home warranty companies in Middle 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 offers the most trustworthy home warranty in Middle. 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. Liberty has 3 simple plans, making the selection process easy.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our review of Liberty Home Guard 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 offers the best overall home warranty in Middle. 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. Choice has 2 simple plans, making the selection process easy.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our review of Choice Home Warranty to learn more.
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 Middle. 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. Select has 3 simple plans, making the selection process easy.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our review of Select Home Warranty to learn more.
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 Middle. 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. AHS has 3 simple plans, making the selection process easy.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our review of American Home Shield to learn more.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Middle. 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. Cinch has 3 simple plans, making the selection process easy.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read our review of Cinch Home Services 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 offers the best home warranty with the quickest service in Middle. 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. HSC has 2 simple plans, making the selection process easy.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our review of The Home Service Club 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 | $6,403 |
Heating | $4,269 |
Electrical | $640 |
Toilets | $534 |
Washer/Dryer | $854 |
Plumbing | $640 |
Oven | $1,707 |
Fridge | $640 |
A home warranty is a protection policy that helps reduce the high costs for Middle 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 arranges 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 homeowners reassurance, as it helps avoid high-priced emergency repairs. The coverage is particularly helpful for owners of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and modern appliances may not need a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include refrigerators, dryers, washers, garbage disposals, dishwashers, microwaves, and more. Included systems are normally electrical, heating, plumbing, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Middle homeowners should know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. It's important to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Here are some essential home warranty words to understand before signing a contract:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans include protection for heating, electrical, plumbing, AC, and appliances. More comprehensive options may also include extra things such as well pumps, pools, spas, and roof leaks. Focus on companies with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize your plan to meet your home's needs.
You'll pay a standard service fee of around $60 to $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 eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty company's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Look at review sites like TrustPilot, the Better Business Bureau (BBB), or Google Reviews to learn more about providers. Good ratings and feedback suggest a company known for quality service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Reach out to potential businesses to learn the number of repair specialists they have in Middle and get an idea of how fast your repairs could be handled in an emergency. Wider networks improve the probability of getting qualified contractors to swiftly service your home.
Home warranty providers might include extras such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These extras can add value beyond repair coverage. Additional perks can maximize the usefulness of the home warranty.
Home warranty plans are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Middle hitting an average high of 59℃F, you may find that some appliances, such as your air conditioning system, get a lot of use. A home warranty can significantly bring down out-of-pocket expenses should your HVAC system stop working.
Not to mention, having a home warranty can save you time by removing the need to research service technicians — most providers will send a trusted professional right to your door to carry out the necessary repair or replacement. Additionally, having a home warranty can help make your house more appealing to potential homebuyers if you ever decide to sell later. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you’ve been receiving.
One drawback of a home warranty is that there are generally exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it’s important to read through any contracts you’re considering carefully to understand what is included and what isn’t.
Another pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your repair requests 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 Middle can cost anywhere from $30 to $60 a month. Higher-priced plans tend to have a lower service fee, broader coverage, and higher coverage limits. This cost is often lower if you pay 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 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 insurance that protects an entire home from natural disasters, which can sometimes be a concern in Middle. It doesn't cover a typical appliance or system damage.
Homebuyers, real estate agents, home sellers, homeowners, and landlords are all eligible for home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
The different kinds of home warranties in Middle include plans that cover either appliances or systems as well as combination plans. A combination 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 specific items mentioned in the policy.
Home warranty plans generally last a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
Typically, 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 given to the new homeowner, who will pay the service fees when using the policy. In Middle, where the median value of a home is $1,180,950, having the seller pay for the home warranty can be a good asset for your new home.