Written By David Cusick
Last Updated February 2024
There are lots of benefits of owning a home, but as your Fredericksburg home ages, you may need to factor in the cost of updating your appliances and systems. A home warranty can help protect 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 overwhelming, since there are lots of companies to decide between. That’s why the Today's Homeowner team did the research and compiled a list of the best home warranty companies in Fredericksburg 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 Fredericksburg, Liberty Home Guard is the most trustworthy home warranty. Liberty has 3 simple plans, making the selection process easy. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that provide a mix of system and appliance coverage. 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.
For more information, read our review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 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 Fredericksburg, Choice Home Warranty is the best overall home warranty. Choice has 2 simple plans, making the selection process easy. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a mix of system and appliance coverage. 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.
For more information, read our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 Fredericksburg, Select Home Warranty is the most cost-effective home warranty. Select has 3 simple plans, making the selection process easy. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that provide a mix of system and appliance coverage. 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.
For more information, read our review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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 Fredericksburg, American Home Shield is the most customizable home warranty. AHS has 3 simple plans, making the selection process easy. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a mix of system and appliance coverage. 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.
For more information, read our review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or give them a call at 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 Fredericksburg, First American Home Warranty is the best home warranty for appliance coverage. First American has 2 simple plans, making the selection process easy. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, 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 Home Warranty has 2 plans that provide a mix of system and appliance coverage. 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.
For more information, read our review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 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 Fredericksburg, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has 3 simple plans, making the selection process easy. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a mix of system and appliance coverage. 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.
For more information, read our review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 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 Fredericksburg, The Home Service Club is the best home warranty with the quickest service. HSC has 2 simple plans, making the selection process easy. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it 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 has 2 plans that provide a mix of system and appliance coverage. 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.
For more information, read our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,558 |
Heating | $4,372 |
Electrical | $656 |
Toilets | $547 |
Washer/Dryer | $874 |
Plumbing | $656 |
Oven | $1,749 |
Fridge | $656 |
A home warranty is a protection policy that assists Fredericksburg homeowners cut the expenses of appliance and system repairs. The plans offer coverage to repair or replace appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty company then finds 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 security for homeowners by helping them prevent expensive emergency fixes. They're particularly useful for those who live in older homes or ones with aging systems. Newer builds with modern fixtures probably don’t need a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include dishwashers, microwaves, garbage disposals, washers, refrigerators, dryers, and more. Covered systems are usually heating, plumbing, air conditioning, and electrical. Many home warranty providers offer add-on coverage for septic systems, central vacuums, roof leaks, and locksmiths. It's important for Fredericksburg homeowners to understand most home warranty plans have a waiting period of 30 days before repair claims will be approved. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Here are some essential home warranty words to understand before signing a contract:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty policies vary widely in what they include. Most plans cover heating, AC, plumbing, electrical, and appliances. More inclusive options also extend protection to other items such as pools, spas, roof leaks, and well pumps. Look for providers with an array of coverage options, such as upgraded plans. You'll want to tailor your protection for your home’s 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 lower service fees to maximize savings. Some companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's reputation provides insight into things such as approval rates, contractor quality, repair timeliness, and customer satisfaction. Check review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Positive ratings and feedback indicate a company known for great service.
Home warranty companies use networks of local repair contractors to manage repairs in a given area. Reach out to potential companies to ask how many repair technicians they have in Fredericksburg and get an idea of how quickly your repairs could be handled in an emergency. More extensive networks increase the chance of getting qualified contractors to quickly service your home.
Home warranty providers may include perks such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These add value beyond basic repair coverage. Additional perks maximize the usefulness of your home warranty.
Home warranty policies are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Fredericksburg hitting an average high of 65℃F, you may find that some appliances, like your air conditioning unit, get a lot of use. A home warranty can significantly decrease out-of-pocket costs should your HVAC system stop working.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of having to vet technicians on your own, home warranty providers do the work for you and send a contractor from their network right to your door when you need them. Another good thing about having a home warranty is when you’re selling your home, you can most likely transfer your home warranty to the new owners. It can make your house more attractive to potential homebuyers and may help your home sell faster.
One of the major drawbacks of a home warranty is not every home system and appliance may be covered. It’s important to weigh the different policies and select one that covers all the appliances, systems, and add-ons you need.
Another consideration is that home warranties typically only cover damage from normal wear and tear. They often won’t cover home systems or appliances that have been damaged due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty in Fredericksburg can cost between $30 and $60 a month. The higher-priced plans usually have a lower service fee, broader coverage, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover issues related to 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 your entire home from natural disasters, which might not be too much of a concern in Fredericksburg. It doesn't cover a typical appliance or system damage.
A home warranty can help investors, home sellers, homeowners, homebuyers, and real estate agents. It can provide peace of mind to anyone involved in homeownership.
The different home warranties in Fredericksburg include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items mentioned in the plan.
Home warranty plans generally offer coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month options as well.
Typically, the homeowner pays for the home warranty. In some cases, however, the one selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Fredericksburg is $433,056, a home warranty can be an added asset when buying a home.