Written By David Cusick
Last Updated February 2024
Owning a home can have a lot of advantages, but it can also come with some downsides like maintenance. The older your house’s systems and appliances are, the more you may want to consider getting a home warranty. A home warranty in Stafford can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that stop working due to normal wear and tear.
The home warranty market is saturated with many providers — all with different plans — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in Stafford.
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 Stafford. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. 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 offers 3 plans for Stafford homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have 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 Review. To get 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
Choice Home Warranty offers the best overall home warranty in Stafford. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. 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 offers 2 plans for Stafford homeowners. The Basic Plan and Total Plan are the options they have, which have 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 Review. To get 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
Select Home Warranty offers the most cost-effective home warranty in Stafford. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. 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 offers 3 plans for Stafford homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have 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 Review. To get 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
American Home Shield offers the most customizable home warranty in Stafford. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. 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 offers 3 plans for Stafford homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have 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 Review. To get 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
First American Home Warranty offers the best home warranty for appliance coverage in Stafford. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. 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 offers 2 plans for Stafford homeowners. The Basic Plan and Premier Plan are the options they have, which have 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 Review. To get 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Stafford. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. 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 offers 3 plans for Stafford homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have 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 Review. To get 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
The Home Service Club offers the best home warranty with the quickest service in Stafford. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. 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 offers 2 plans for Stafford homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have 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 Review. To get 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 | $6,394 |
Heating | $4,263 |
Electrical | $639 |
Toilets | $533 |
Washer/Dryer | $853 |
Plumbing | $639 |
Oven | $1,705 |
Fridge | $639 |
A home warranty is a protection plan that helps cut costs for Stafford homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that stop working due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly useful for those who own older homes or ones with outdated systems. More modern homes with modern fixtures probably don’t need a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are refrigerators, dryers, microwaves, washers, dishwashers, garbage disposals, and more. Covered systems are typically plumbing, air conditioning, electrical, and heating. Many home warranty providers offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Stafford homeowners should know that most home warranty policies have a 30-day period you must wait 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 things like 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 will be covered by your policy.
Here are some essential home warranty terms to understand before signing a contract:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans cover AC, plumbing, heating, electrical, and appliances. More comprehensive plans also cover other items such as pools, spas, roof leaks, and well pumps. Focus on companies with broad coverage options including upgraded plans. Flexibility like this will help you customize your plan to meet your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a provider with lower service fees to maximize savings on every claim. Some providers also eliminate deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation provides insights into factors such as contractor expertise, claim approval rates, repair speed, and customer satisfaction. Look at review sites like TrustPilot, the Better Business Bureau (BBB), or Google Reviews to learn more about companies. Favorable ratings and feedback suggest a company known for providing quality service.
Home warranty companies keep networks of local professionals to handle repairs in your area. Reach out to potential providers to ask how many repair technicians they have in Stafford and get an idea for how quickly your repairs could take place in an emergency situation. Bigger networks increase the probability of getting qualified contractors to swiftly service your home.
Certain home warranty companies provide extras such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These can offer extra value beyond repair coverage. Added perks can enhance your home and maximize your home warranty.
Home warranty plans are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Stafford reaching an average high of 79℃F, you may find that some appliances, like your air conditioning unit, get a lot of use. A home warranty can considerably decrease out-of-pocket costs should your HVAC system stop working.
A home warranty also can also save 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. A home warranty can also give value in other ways. For example, some policies can be transferred between owners when you sell your home.
Home warranties also have some downsides. Although it can be convenient that the home warranty sends out a repair person who does the repair for you, some people may not like this, and they would rather select their own contractor. If that’s the case for you, some home warranty providers allow you to choose a contractor.
Another potential pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your claims being rejected, so it’s important to carefully follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, about $300 to $600 a year in Stafford. Our high-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 opting for a higher service fee. Additionally, it's usually less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects the entire home in case of something such as a fire or natural disaster. Under homeowners insurance, you will not be able to file a claim if you need a new refrigerator or dishwasher, unless the damage is a result of a natural disaster, which can be a threat in Stafford.
First-time homebuyers, home sellers, landlords, real estate agents, and homeowners are all eligible for home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
A home warranty plan will cover your home’s appliances, systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Home warranty plans typically provide coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Usually, the homeowner is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Stafford, where the median value of a home is $299,790, having the seller pay for the home warranty can save you some money on your new home.