Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Fairborn offers homeowners some great housing options. However, unplanned repair and replacement costs on your home’s appliances and systems can get quite costly. A home warranty in Fairborn can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
Finding the best home warranty on the market can be time-consuming, as there are so many companies to decide between. That’s why our team at Today's Homeowner did the research and made a list of the top home warranty companies in Fairborn 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 Fairborn. Liberty has over 6 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. Liberty offers 3 plans for you to choose from. 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 Home Guard has 3 plans that offer a mix of appliance and system coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, you can 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 Fairborn. Choice has over 15 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. Choice offers 2 plans for you to choose from. 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 Home Warranty has 2 plans that offer a mix of appliance and system coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, you can 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 Fairborn. Select has over 11 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. Select offers 3 plans for you to choose from. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it 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 offer a mix of appliance and system coverage. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, you can 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 Fairborn. AHS has over 26 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. AHS offers 3 plans for you to choose from. 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.
American Home Shield has 3 plans that offer a mix of appliance and system coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our review of American Home Shield 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 offers the best home warranty for appliance coverage in Fairborn. First American has over 39 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. First American offers 2 plans for you to choose from. 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 Home Warranty has 2 plans that offer a mix of appliance and system coverage. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read our review of First American Home Warranty 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 offers the home warranty with the best workmanship guarantee in Fairborn. Cinch has over 44 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. Cinch offers 3 plans for you to choose from. 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 Home Services has 3 plans that offer a mix of appliance and system coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can 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 Fairborn. HSC has over 15 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. HSC offers 2 plans for you to choose from. 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.
The Home Service Club has 2 plans that offer a mix of appliance and system coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, you can 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 | $5,753 |
| Heating | $3,835 |
| Electrical | $575 |
| Toilets | $479 |
| Washer/Dryer | $767 |
| Plumbing | $575 |
| Oven | $1,534 |
| Fridge | $575 |
A home warranty is a protection plan that assists Fairborn homeowners lower the costs of appliance and system repairs. The plans offer financial coverage to fix 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 cost of repair or replacement goes over the item's coverage limit. A home warranty gives security for homeowners by helping them prevent expensive emergency fixes. They're particularly useful for those who own older homes or ones with aging systems. Newer homes with working appliances probably don’t need a home warranty.
Home warranties help protect your home systems and appliances. Common covered appliances include washers, microwaves, garbage disposals, dishwashers, dryers, refrigerators, and others. Covered systems include plumbing, electrical, heating, and air conditioning. Many home warranties offer additional add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. It's important for Fairborn homeowners to understand most home warranty plans have a waiting period of 30 days before repair claims will be approved. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
There are multiple home warranty terms to learn before signing an agreement, including:
There are several important considerations when choosing a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans provide coverage for AC, electrical, plumbing, heating, and appliances. More inclusive options also include protection for other items such as pools, roof leaks, spas, and well pumps. Focus on companies with broad coverage options including upgraded plans. Flexibility like this will help you customize 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 companies with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's track record gives insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Positive ratings and reviews indicate a company known for stellar service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Reach out to potential businesses to ask how many repair technicians they have in Fairborn and get an idea of how quickly your repairs could be handled in an emergency. Wider networks improve the chance of getting qualified contractors to swiftly service your home.
Certain home warranty companies include extras such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These offer extra value beyond repair coverage. Extra perks help improve your home and maximize your home warranty.
Since temperatures in Fairborn can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances breaks suddenly.
A home warranty also can also save you time and energy. Instead of spending hours researching and selecting a technician to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Additionally, having a home warranty can help make your house more appealing to potential homebuyers should you ever decide to sell in the future. Many home warranty providers will allow you to transfer your plan to a new owner and give them the protection you’ve been receiving.
There are also some downsides to getting a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Another stipulation is that home warranties typically only cover malfunctions due to normal wear and tear. They commonly won’t cover home systems or appliances that have been damaged due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty plan costs, on average, around $300 to $600 a year in Fairborn. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's often less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger plan that protects an entire home from natural disasters, which can sometimes be a concern in Fairborn. It doesn't cover a normal appliance or system damage.
A home warranty policy can help home sellers, homebuyers, homeowners, investors, and real estate agents. It can provide peace of mind to anyone involved with homeownership.
The different home warranties in Fairborn include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers almost all your home systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the items mentioned in the plan.
Home warranty plans usually offer coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
Usually the person who owns the home pays for the home warranty. In some cases, though, 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. Since the average home value in Fairborn is $180,726, a home warranty can be an added asset when buying a home.
