Written By David Cusick
Last Updated April 2024
As much as you may love homeownership in Live Oak, there's always that concern about whether your systems and appliances are going to hold up during the next few years. A home warranty is a way to protect your bank 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.
Finding the best home warranty on the market can be challenging because of the sheer number of options out there. If you're tired of trying to compare them all, keep reading for our guide on the top home warranty providers in Live Oak.
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 Live Oak, Liberty Home Guard is the most trustworthy home warranty. The 3 plans that Liberty offers include options for appliance and system coverage. 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 Live Oak homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000.
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 call 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 Live Oak, Choice Home Warranty is the best overall home warranty. The 2 plans that Choice offers include options for appliance and system coverage. 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 Live Oak homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000.
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 call 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 Live Oak, Select Home Warranty is the most cost-effective home warranty. The 3 plans that Select offers include options for appliance and system coverage. 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 Live Oak 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. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000.
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 call 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 Live Oak, American Home Shield is the most customizable home warranty. The 3 plans that AHS offers include options for appliance and system coverage. 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 Live Oak homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500.
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 call 888-365-2839.
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 Live Oak, First American Home Warranty is the best home warranty for appliance coverage. The 2 plans that First American offers include options for appliance and system coverage. 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 Live Oak homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also around $1,500.
To read more, visit our First American Home Warranty full review. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
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 Live Oak, Cinch Home Services is the home warranty with the best workmanship guarantee. The 3 plans that Cinch offers include options for appliance and system coverage. 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 Live Oak 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. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000.
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 call 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 Live Oak, The Home Service Club is the best home warranty with the quickest service. The 2 plans that HSC offers include options for appliance and system coverage. 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 Live Oak homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000.
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 call 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 | $6,309 |
Heating | $4,206 |
Electrical | $631 |
Toilets | $526 |
Washer/Dryer | $841 |
Plumbing | $631 |
Oven | $1,682 |
Fridge | $631 |
A home warranty is a protection plan that assists Live Oak homeowners lower the costs of appliance and system repairs. The plans offer coverage to fix or replace appliances and systems that stop working due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid expensive emergency repairs. The coverage is especially helpful for owners of older houses or houses with systems near the end of their life span. However, homeowners with newer homes and modern appliances may not need a home warranty.
Home warranties cover many home systems and appliances. Common covered appliances are dryers, washers, microwaves, refrigerators, dishwashers, garbage disposals, and others. Covered systems include heating, air conditioning, plumbing, and electrical. Various home warranty plans offer extra coverage for septic systems, central vacuums, roof leaks, and even locksmiths. Live Oak homeowners should know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as natural disasters, cosmetic issues, pre-existing conditions, or improper use of a system or appliance. You need to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Before signing a home warranty contract, you should learn key terms like:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty plans can have major differences in covered items. Most plans provide protection for heating, AC, electrical, plumbing, and appliances. More robust plans also offer protection for other items such as roof leaks, well pumps, spas, and pools. Focus on providers with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize protection for your 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 more affordable fees to maximize savings on every claim. Some companies also do away with deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation gives insight into things such as approval rates, contractor quality, repair timeliness, and customer service. Check review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Reach out to potential businesses to learn the number of repair professionals they have in Live Oak and get an idea of how fast your repairs could be handled in an emergency. Larger networks improve the likelihood of getting qualified contractors to promptly service your home.
Home warranty providers often offer perks such as energy efficiency upgrades, coverage for smart home devices, and maintenance discounts. These extras add value beyond repair coverage. Additional perks help maximize the usefulness of the home warranty.
Temperatures in Live Oak can get quite high in the summer, which means your air conditioner is most likely going to get a decent amount of use. As a homeowner in Live Oak, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of vetting contractors yourself, home warranty providers do the work for you and send a contractor from their network right to your door when you need them. Additionally, having a home warranty can make your house more appealing to potential homebuyers should you ever decide to sell later. Many home warranty companies will allow you to transfer your policy to a new owner and give them the same protection you’ve been receiving.
One of the main drawbacks of a home warranty is not every home system and appliance may be covered. It’s important to weigh the different plans and purchase one that covers all the appliances, systems, and add-ons you need.
Plus, 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 plan costs, on average, about $300 to $600 a year in Live Oak. Our top-rated home warranty companies' 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 usually less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover problems with home 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 the entire home from natural disasters, which can be a concern in Live Oak. It doesn't cover a typical appliance or system damage.
Homebuyers, real estate agents, home sellers, landlords, and homeowners are all eligible for home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
The different types of home warranties in Live Oak include plans that cover either appliances or systems as well as combination plans. A combination plan covers your home systems and appliances, including your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the specific items listed in the contract.
Generally, a home warranty policy lasts for a year and can be renewed yearly. Some companies may offer month-to-month plans.
Typically, the one who owns the home pays for the home warranty. In some cases, however, the home seller may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Live Oak is $261,359, a home warranty can save you some money when buying a home.