Written By David Cusick
Last Updated April 2024
Homeownership in Ridley has quite a few positives, but it also comes with worries and concerns. Your home’s appliances and systems will inevitably need repairs, and this could mean a burdensome expense. A home warranty plan can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be difficult, since there are dozens of companies to decide between. That’s why our team at Today's Homeowner did the research and made a list of the best home warranty companies in Ridley 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 Ridley, Liberty Home Guard offers the most trustworthy home warranty. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the home warranty for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 plans for you to decide between.
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 most major systems and appliances, and 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
In Ridley, Choice Home Warranty offers the best overall home warranty. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the home warranty for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for you to decide between.
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 most major systems and appliances, and 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
In Ridley, Select Home Warranty offers the most cost-effective home warranty. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the home warranty for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 plans for you to decide between.
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 most major systems and appliances, and 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
In Ridley, American Home Shield offers the most customizable home warranty. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the home warranty for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 plans for you to decide between.
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 most major systems and appliances, and 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
In Ridley, First American Home Warranty offers the best home warranty for appliance coverage. If you’re looking for very affordable and comprehensive appliance coverage, this is the home warranty for you. Plus, 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. First American has 2 plans for you to decide between.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are close to the $1,500 mark for most major systems and appliances, and 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
In Ridley, Cinch Home Services offers the home warranty with the best workmanship guarantee. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the home warranty for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 plans for you to decide between.
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 most major systems and appliances, and 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
In Ridley, The Home Service Club offers the best home warranty with the quickest service. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the home warranty for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 plans for you to decide between.
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 most major systems and appliances, and 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 | $6,237 |
Heating | $4,158 |
Electrical | $624 |
Toilets | $520 |
Washer/Dryer | $832 |
Plumbing | $624 |
Oven | $1,663 |
Fridge | $624 |
A home warranty is a protection plan that assists Ridley homeowners in lowering the expenses of appliance and system repairs. The plans offer financial coverage to replace or fix 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 provider then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent expensive 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 might not require a home warranty.
Home warranties cover many home systems and appliances. Warranties usually cover appliances such as dishwashers, dryers, garbage disposals, washers, microwaves, refrigerators, and more. Covered systems include heating, electrical, plumbing, and air conditioning. Many home warranty providers also offer add-on coverage for locksmiths, central vacuums, roof leaks, and septic systems. It's important for Ridley homeowners to know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Home warranty contracts use several terms that you'll want to understand before signing, such as:
There are several important considerations when selecting a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans provide coverage for AC, heating, electrical, plumbing, and appliances. More inclusive options also include protection for other items such as pools, roof leaks, well pumps, and spas. Look for a company that offers comprehensive coverage choices, including upgraded plans. Flexibility is important when trying to fit a home warranty to 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, some homeowners prefer to choose a company with lower service fees to maximize savings on every claim. Some companies also do away with deductibles if a customer goes a period of time without filing any claims.
A home warranty company's reputation provides insights into factors such as claim approval rates, contractor expertise, repair speed, and customer satisfaction. Look at review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about companies. Favorable feedback and ratings suggest a company known for providing quality service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Contact potential companies to ask how many repair technicians they have in Ridley and get an idea of how fast your repairs could be handled in an emergency. Wider networks increase the likelihood of getting qualified contractors to swiftly service your home.
Some home warranty companies provide extras such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These perks add value beyond just repair coverage. Added bonuses maximize the usefulness of the home warranty.
Home warranty policies are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Ridley hitting an average high of 62℃F, you may find that some appliances, such as your air conditioning unit, get a lot of use. A home warranty can significantly lower out-of-pocket expenses should your HVAC system stop working.
Additionally, having a home warranty can save you time by getting rid of the need to research service technicians — most providers will send a trusted professional right to your door to do the necessary repair or replacement. Plus, though home warranty companies vary, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your property more attractive to potential homebuyers and maybe even help your home sell faster.
Home warranties also have some drawbacks. Though it can give you less to worry about since the home warranty sends out a contractor who does the repair for you, some may not like this, and they may want to choose a contractor themselves. If that’s important to you, some home warranty plans allow you to choose a contractor.
Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They commonly won’t cover home systems or appliances that have stopped working due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty plan costs, on average, around $300 to $600 a year in Ridley. Our top-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 typically 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 helps protect against normal wear and tear to home systems and appliances. 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 if you need a new washing machine or dishwasher, unless the damage is a result of a natural disaster, which is somewhat common in Ridley.
A home warranty plan can help investors, home sellers, real estate agents, homebuyers, and homeowners. It can provide peace of mind to anyone involved with homeownership.
The different kinds of home warranties in Ridley include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers your home systems and appliances, such as your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the specific items mentioned in the policy.
Home warranty plans typically provide coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
Typically, the homeowner is responsible for paying for the home warranty. In some cases, though, the home seller may buy 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 Ridley is $277,659, a home warranty can be an added asset when buying a home.