Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
There are lots of benefits of owning a home, but as your Wayne home ages, you may have to update or repair your systems and appliances. 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 allow you to live in your home with more peace of mind.
The home warranty market has many providers — all with different plans — so the Today's Homeowner team has done the research to help you find the best home warranty companies in Wayne.
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 Wayne, Liberty Home Guard is the most trustworthy home warranty. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable. When you buy a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that provide a mix of appliance and system coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are an affordable $75.
To read more, visit our Liberty Home Guard full review. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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 Wayne, Choice Home Warranty is the best overall home warranty. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. When you buy a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a mix of appliance and system coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are an affordable $85.
To read more, visit our Choice Home Warranty full review. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 Wayne, Select Home Warranty is the most cost-effective home warranty. Select has 3 simple plans, making the selection process and policy coverage easily understandable. When you buy a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that provide a mix of appliance and system coverage. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $60.
To read more, visit our Select Home Warranty full review. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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 Wayne, American Home Shield is the most customizable home warranty. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. When you buy a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $75 to $125.
To read more, visit our American Home Shield full review. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
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
In Wayne, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable. When you buy a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a mix of appliance and system coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
To read more, visit our Cinch Home Services full review. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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 Wayne, The Home Service Club is the best home warranty with the quickest service. HSC has 2 simple plans, making the selection process and policy coverage easily understandable. When you buy a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that provide a mix of appliance and system coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $65 to $90.
To read more, visit our The Home Service Club full review. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $7,159 |
| Heating | $4,773 |
| Electrical | $716 |
| Toilets | $597 |
| Washer/Dryer | $955 |
| Plumbing | $716 |
| Oven | $1,909 |
| Fridge | $716 |
A home warranty is a protection plan that assists Wayne homeowners reduce the costs of appliance and system repairs. The plans provide financial coverage to repair or swap out appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty company then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent expensive emergency repairs. Home warranties are particularly useful for older houses or those with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are dishwashers, dryers, garbage disposals, washers, microwaves, refrigerators, and more. Included systems are normally air conditioning, heating, plumbing, and electrical. Many home warranty companies offer add-on coverage for septic systems, central vacuums, roof leaks, and locksmiths. Wayne homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only address repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or improperly using a system or appliance. You must keep up with preventative maintenance to help 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 policies can have major differences in covered items. Most plans provide protection for AC, electrical, heating, plumbing, and appliances. More comprehensive options also offer protection for other items such as spas, roof leaks, well pumps, and pools. Look for a provider that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a company with lower service fees to maximize savings. Some providers also do away with deductibles when customers have a claim-free period.
A home warranty provider's rating provides insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Favorable ratings and reviews indicate a company known for stellar service.
Home warranty companies use networks of local repair contractors to manage repairs in a given area. Contact potential providers to learn the number of repair professionals they have in Wayne and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks increase the probability of getting qualified contractors to promptly service your home.
Home warranty providers sometimes offer perks such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These can add value beyond just repair coverage. Additional perks help maximize the usefulness of the home warranty.
Home warranties are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Wayne reaching an average high of 58℃F, you may find that some appliances, like your A.C., get a lot of use. A home warranty can considerably lower out-of-pocket expenses should your HVAC system break down.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of having to vet contractors on your own, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Additionally, though it varies by company, some providers will let you transfer your warranty if you sell your home. This can make your property more attractive to potential homebuyers and help your home sell faster.
One of the major drawbacks of home warranties is not every home system and appliance may be covered. It’s important to research the different plans and opt for one that covers all the appliances, systems, and add-ons you need.
Another thing to keep in mind is that some companies don’t cover pre-existing conditions and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about this if you need more information or if this is an issue for you.
A home warranty costs, on average, about $300 to $600 a year in Wayne. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. Additionally, it's often 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 home systems and appliances. A homeowners insurance plan protects your entire home in case of a situation such as a fire or natural disaster. Under a homeowners insurance plan, you won't be able to file a claim if you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Wayne.
A home warranty policy can help investors, homebuyers, homeowners, real estate agents, and home sellers. It can provide peace of mind and savings to anyone involved with homeownership.
The different home warranties in Wayne include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers many of your 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 policy offers coverage for a year and can be renewed annually. Some providers may offer month-to-month options.
In general, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Wayne, where the median value of a home is $637,092, having the seller pay for the home warranty can be a good asset for your new home.
