Written By David Cusick
Last Updated February 2024
Homeownership in Crossville has lots of positives, but it also comes with its challenges. Your home’s appliances and systems will inevitably need repairs, and this could mean a huge expense. A home warranty can offer you the peace of mind you need and guard your savings account from unexpected expenses by covering your home’s major appliances and systems.
The home warranty market has a lot of providers — all with different coverage — so the Today's Homeowner team has done the research to help you find the best home warranty companies in Crossville.
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 Crossville, Liberty Home Guard offers the most trustworthy home warranty. Liberty has about 6 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. Liberty has 3 simple plans, making the selection process easy. 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 Home Guard offers 3 plans for Crossville homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Liberty’s plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit 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 Crossville, Choice Home Warranty offers the best overall home warranty. Choice has about 15 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. Choice has 2 simple plans, making the selection process easy. 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 Home Warranty offers 2 plans for Crossville homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Choice’s plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit our Choice Home Warranty Review.
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 Crossville, Select Home Warranty offers the most cost-effective home warranty. Select has about 11 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. Select has 3 simple plans, making the selection process easy. 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 Home Warranty offers 3 plans for Crossville homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Select’s plans are around the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our Select Home Warranty Review.
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 Crossville, American Home Shield offers the most customizable home warranty. AHS has about 26 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. AHS has 3 simple plans, making the selection process easy. 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.
American Home Shield offers 3 plans for Crossville homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with AHS’s plans are around the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit 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 Crossville, First American Home Warranty offers the best home warranty for appliance coverage. First American has about 39 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. First American has 2 simple plans, making the selection process easy. First American has established itself as a company with very affordable and comprehensive appliance coverage. 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 offers 2 plans for Crossville homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with First American’s plans are around the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit 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 Crossville, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has about 44 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. Cinch has 3 simple plans, making the selection process easy. 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 Home Services offers 3 plans for Crossville homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit 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 Crossville, The Home Service Club offers the best home warranty with the quickest service. HSC has about 15 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. HSC has 2 simple plans, making the selection process easy. 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.
The Home Service Club offers 2 plans for Crossville homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with HSC’s plans are around the $2,000 mark for many 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, fill out this online form or call 800-750-9443. To read more, visit 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 | $5,684 |
Heating | $3,789 |
Electrical | $568 |
Toilets | $474 |
Washer/Dryer | $758 |
Plumbing | $568 |
Oven | $1,516 |
Fridge | $568 |
A home warranty is a protection policy that helps Crossville homeowners lower the high costs of household repairs. These plans provide financial protection to fix or replace appliances and systems that break down from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent expensive emergency repairs. Home warranties are especially useful for older construction homes with aging systems. New homes with modern appliances might not require a home warranty.
Home warranties help protect both your home systems and appliances. Common covered appliances include refrigerators, dishwashers, garbage disposals, microwaves, dryers, washers, and more. Covered systems include heating, air conditioning, electrical, and plumbing. Many home warranties offer additional add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. It's important for Crossville homeowners to understand most home warranty plans have a 30-day waiting period before repairs are covered. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to understand before signing, such as:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage varies, although most plans include protection for heating, plumbing, electrical, AC, and appliances. More comprehensive options may also include extra things such as roof leaks, spas, well pumps, and pools. Look for companies with flexible coverage choices, including upgraded plans. This allows you to customize your plan to your home's needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which is paid per repair request filed. These per-claim charges can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some companies also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty company's reputation gives insight into things such as approval rates, repair timeliness, contractor quality, and customer satisfaction. Use review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Positive ratings and feedback indicate a company known for great service.
Home warranty providers keep networks of local professionals to handle repairs in your area. Contact potential providers to find out how many repair contractors they have in Crossville and get an idea for how quickly your repairs could take place in an emergency situation. Larger networks increase the likelihood of getting qualified contractors to promptly service your home.
Certain home warranty providers offer extras such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These provide extra value beyond repair coverage. Extra perks enhance your home and help maximize your home warranty.
Temperatures in Crossville can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in Crossville, one of the benefits of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Not only does a home warranty provide some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a technician and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most. A home warranty can also offer value in other ways. For instance, some plans can be transferred between owners during a home sale.
One main drawback of a home warranty is not everything you care about may be covered. It’s important to weigh the different plans and opt for one that covers all the appliances, systems, and add-ons you need.
In addition, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty in Crossville can cost anywhere from $30 to $60 a month. The higher-priced plans tend to have higher coverage limits, a lower service fee, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some companies will also reduce your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty helps protect against normal wear and tear to home systems and appliances. Homeowners insurance protects the entire home in a situation such as a fire or natural disaster. With a homeowners insurance plan, you will not be able to file a claim if you need a new dryer or stove, unless the damage is due to a natural disaster, which is somewhat common in Crossville.
A home warranty policy can help home sellers, homeowners, homebuyers, real estate agents, and investors. It can offer peace of mind to anyone involved with homeownership.
The different types of home warranties in Crossville include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your home systems and appliances, including your dishwasher, washing machine, and HVAC. An appliance or system plan will cover only the items listed in the plan.
Generally, a home warranty plan lasts for a year and can be renewed yearly. Some companies may offer month-to-month options.
In general, the homeowner is the one who pays the premium and service fees. However, if you have just bought 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 Crossville, where the median value of a home is $286,905, having the seller pay for the home warranty can save you some money on your new home.