Whether you’re in Cleveland or Columbus, Cincinnati or Toledo, home warranty companies in Ohio are becoming increasingly popular. The Buckeye State’s residents who own a home are looking for coverage and protection while mitigating their maintenance expenses and overheads; at the same time home sellers and real estate agents want to make their properties as attractive as possible for potential home buyers and a home warranty plan does precisely that. The only tricky part of it all is discovering the best home warranty companies in Ohio: credible, reputable firms who use qualified professionals and have clear terms and conditions.
Climate and Geography
As an Ohio resident, you know that the climate in Ohio is generally temperate. The winters are cold with an average minimum of 42°F (6°C) in Columbus or Cincinnati. The summers are mild, around 60°F (16°C). The record low temperature in Ohio is –39°F (–39°C), set at Milligan on 10 February 1899. The record high is 113°F (45°C), registered near Gallipolis on 21 July 1934.
Because of its proximity to Lake Erie, Cleveland is the windiest city, with winds that average 11 mph (18 km/hr), and it receives the most snow, with average annual snowfall of 56.3 in (143 cm), while Columbus receives 28 in (71 cm), and Cincinnati 24 in (61 cm).
With these climate conditions, it would be wise to have the heating system covered under a good home warranty plan. The 2-10 Home Buyers Warranty plans, for example, cover all kinds of HVAC units such as central, including heating pumps, geothermal and water-source systems, built-in electric wall units, and multiple units.
How to choose a home warranty plan in Ohio?
Let's take a closer look at the Ohio home warranty market. The top Ohio providers are happy to serve residents all over the state, from Columbus to the smallest villages and towns. As Ohioans proudly say, 50% of the US population lives within a 500-mile radius of Columbus, with more than two million living in the Columbus metropolitan area itself.
In 2016, Ohio ranked the 7th most populated state in the USA, with the overall population over 1.1 million people. Of them, 66.1% were homeowners. This number included the owners of not only single-family houses but also duplexes, townhomes, and apartments. Every homeowner is either current or a potential home warranty customer, as almost all home warranty companies offer coverage for any type of property, including mobile homes.
Single Family House or a Townhome?
There is a great selection of home warranty companies in Ohio. For some of the companies, for example, ABC Home Services, Columbus, Ohio, is the place of birth. Each one of these service providers offers a myriad of plans and it is extremely important to delve into the ins and outs of each of the home warranty programs offered for Ohio residents.
A home warranty in Ohio is available for any type of residence, and you always have a selection of companies that will cater to your particular needs. For those residents who own larger houses with two air conditioning units, Choice Home Warranty would be the best option, as it will cover them both under the Total Plan. This plan is available for $450 if you choose a single payment or $40 per month if you prefer to make your payments monthly.
Another good company that covers up to two A/C and heating system units is Total Home Protection. For $500 a year, thrifty homeowners in Ohio can get all of their home systems and major kitchen and laundry appliances protected under the Platinum Plan. The majority of companies consider medium-size houses and townhomes, so they would cover only one unit per plan.
If you have other house systems or household appliances that you would like to focus on making sure you choose the right plan from a top 5 rated company, and that you make sure to not only understand the costs of that plan but actually which damages and wear are covered under the policy, and what are the replacement limits for that particular item. For example, American Home Shield has a higher replacement limit on many items such as plumbing ($1,000 cap) or refrigerators ($10 per pound, up to $3,000).
A Home Warranty for a Condominium
In many apartment buildings, home system repairs are the responsibility of the Home Owners Association, so if you own a condominium, you don't need to buy a "full" home warranty which includes the house system. For you, the best home warranty companies in Ohio, like Select Home Warranty, offer great home appliance plans. It includes coverage for all major kitchen and laundry appliances in your apartment, for an affordable cost.
Extended Warranty or Home Appliance Warranty?
Every house in the USA is packed with home appliances, such as refrigerator and oven, washer and dryer, microwave and dishwasher. Every new appliance comes with a manufacturer's warranty that covers any repairs and replacements due to the manufacturer's defects. As soon as this warranty expires, you can either expend it or purchase a home appliance warranty. Read our research on how these two types of appliance insurance compare and select the one that is best for you.
Another company that will have you covered in case you need a plan for appliances is America’s 1st Choice Home Club. It offers the Silver Plan that covers home appliances only. These include washer and dryer, refrigerator, gas or electric water heater, oven, range or cooktop, dishwasher, garbage disposal, and garage door opener. This plan is available for $450 a year.
A Home Warranty for a Mobile Home in Ohio
There are more than 234,000 mobile homes in the state of Ohio, an average of 2600 per county. This number could not be ignored by the best home warranty companies in Ohio, so they started to offer special plans for manufactured or mobile homes. American Home Shield, for example, offers one of the best home warranty plans in Ohio for very reasonable prices. Their appliance plan starts at $26.99, and the home systems plan starts at $27.99 per month.
If you have selected a plan, but it does not include all of the components that you need, many home warranty companies in Ohio offer a list of optional coverage items. These may include pool and spa, sump pump, well pump, septic system, additional home appliances, and even services such as limited roof repair. All of these items are priced separately and may be added to the plan of your choice at any time.
The houses in many cities in Ohio, including Columbus, Cleveland, Cincinnati, Toledo, and Akron, are quite old. The median age of the houses is sixty-seven years. Many new homeowners make little renovations to their homes, maybe one room at a time, and update their laundry and kitchen appliances. In case you have recently updated your appliances, you might not need any home warranty coverage for them, as they may be under the manufacturer’s warranty. In many cases, home warranties and manufacturer’s warranties cannot be combined.
For those homeowners who don't need home appliance insurance, companies like Pride Home Warranty offer coverage for home systems only. The Systems Plan usually includes all major home systems: heating and air conditioning, plumbing, and electrical system.
Home Warranty Regulations in Ohio
For every home warranty customer, it is important to know how home warranties in Ohio are regulated. The clear and modern legislative trend in Ohio, as well as in many other states, is to exempt home service from insurance codes and other, outmoded “home warranty” acts. This was done in Louisiana (2015), Tennessee (2011), Pennsylvania (2010) Georgia (2005), Kansas (2005), Mississippi (2003), Alaska (2003). Oregon (2003), North Dakota (2001), West Virginia (2000), Idaho (1999) and Montana (1999).
Final Words About Purchasing a Home Warranty in Ohio
There are many other solutions that home warranty companies in Ohio can offer to the owners of single-family homes, condominiums, townhomes, and mobile homes. However, it may be confusing for a homeowner to choose the company that will satisfy all of their needs. This is why we selected the best home warranty companies in Ohio and collected as much information on them as possible—including aggravation of customer reviews—and organized it in the most convenient way. Using this guide you can discover the leading names in the local home warranty scene and decide which one offers the best plans for your individual requirements.