Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Although homeownership in Cinco Ranch has many benefits — such as being surrounded by nature — there are also downsides. One major hassle many homeowners have to deal with eventually is updating or repairing their home appliances and systems. A home warranty can help protect homebuyers and current homeowners by lowering the costs of major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be difficult, since there are lots of companies to choose from. That’s why our team at Today's Homeowner did the research and compiled a list of the best home warranty companies in Cinco Ranch 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 Cinco Ranch, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been operating for about 6 years, making it a well-regarded company in the industry. When you purchase a plan 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 has 3 plans for you to decide between.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Cinco Ranch area.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our full review of Liberty Home Guard.
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 Cinco Ranch, Choice Home Warranty offers the best overall home warranty. Choice has been operating for about 15 years, making it a well-regarded company in the industry. When you purchase a plan 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 has 2 plans for you to decide between.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Cinco Ranch area.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our full review of Choice Home Warranty.
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 Cinco Ranch, Select Home Warranty offers the most cost-effective home warranty. Select has been operating for about 11 years, making it a well-regarded company in the industry. When you purchase a plan 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 has 3 plans for you to decide between.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the Cinco Ranch area.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our full review of Select Home Warranty.
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 Cinco Ranch, American Home Shield offers the most customizable home warranty. AHS has been operating for about 26 years, making it a well-regarded company in the industry. When you purchase a plan 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. AHS has 3 plans for you to decide between.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Cinco Ranch area.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our full review of American Home Shield.
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 Cinco Ranch, First American Home Warranty offers the best home warranty for appliance coverage. First American has been operating for about 39 years, making it a well-regarded company in the industry. When you purchase a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 has 2 plans for you to decide between.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is less than other providers in the Cinco Ranch area.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read more by visiting our full review of First American Home Warranty.
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 Cinco Ranch, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been operating for about 44 years, making it a well-regarded company in the industry. When you purchase a plan 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 has 3 plans for you to decide between.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Cinco Ranch area.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our full review of Cinch Home Services.
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 Cinco Ranch, The Home Service Club offers the best home warranty with the quickest service. HSC has been operating for about 15 years, making it a well-regarded company in the industry. When you purchase a plan 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. HSC has 2 plans for you to decide between.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Cinco Ranch area.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our full review of The Home Service Club.
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 | $6,826 |
| Heating | $4,551 |
| Electrical | $683 |
| Toilets | $569 |
| Washer/Dryer | $910 |
| Plumbing | $683 |
| Oven | $1,820 |
| Fridge | $683 |
A home warranty is a protection policy that helps Cinco Ranch homeowners reduce the high costs of household repairs. These plans offer financial protection to repair or swap out 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 finds 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 homeowners peace of mind, as it helps avoid expensive emergency repairs. The coverage is especially helpful for those living in older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and working appliances may not require a home warranty.
Home warranties protect your home's systems and appliances. Common covered appliances are garbage disposals, microwaves, dryers, washers, refrigerators, dishwashers, and more. Protected systems include plumbing, air conditioning, heating, and electrical. Various home warranty plans offer extra coverage for roof leaks, septic systems, central vacuums, and even locksmiths. It's important for Cinco Ranch homeowners to understand most home warranty plans have a 30-day waiting period before repairs are covered. The majority of 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 misusing a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should know key terms like:
There are several important factors to consider when selecting a home warranty provider:
Home warranties differ greatly in the items covered. Basic policies typically provide protection for heating, plumbing, AC, electrical, and appliances, while more comprehensive plans may also cover well pumps, pools, roof leaks, and spas. Focus on providers with wide-ranging coverage selections 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-repair charges can potentially accumulate over time, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty provider's reputation can offer insight into things such as contractor quality, approval rates for claims, speed of repairs, and customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Reach out to potential companies to learn the number of repair professionals they have in Cinco Ranch and get an idea of how fast your repairs could be handled in an emergency. Larger networks increase the chance of getting qualified contractors to quickly service your home.
Some home warranty plans include extras such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These perks add value beyond just repair coverage. Extra bonuses can maximize the usefulness of the home warranty.
Cinco Ranch’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty will cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the repairs, saving you from spending a lot of money out of pocket.
A home warranty also saves you time and energy. Instead of spending hours researching and choosing a technician to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. Another good thing about having a home warranty is if you want to sell your home, you can most likely transfer your home warranty plan to the new owners. This can make your home more attractive to potential homebuyers and may help your house sell faster.
As for the downsides of home warranties, coverage varies by provider, so it’s important to review what each plan covers and excludes in the contract.
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 other than normal wear and tear — the home warranty may not cover it.
A home warranty plan costs, on average, around $300 to $600 a year in Cinco Ranch. 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. Additionally, it's typically less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover problems with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects the entire home from natural disasters, which can be a concern in Cinco Ranch. It doesn't cover a typical appliance or system breakage.
First-time homebuyers, homeowners, real estate agents, home sellers, 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.
A home warranty will cover your home’s systems, appliances, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Home warranty plans typically provide coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
In general, the homeowner is responsible for paying 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 has to pay the service fees when using the policy. In Cinco Ranch, where the median value of a home is $518,162, having the seller pay for the home warranty can be a good asset for your new home.
