Looking for the best home warranty in Omaha?
Perfect, you’re in the right spot. In this guide you’ll learn:
- Who can benefit from a home warranty protection plan in Omaha?
- How much does a home warranty cost in Omaha?
- What types of warranty plans are available for Omaha residents?
- How do you choose warranty coverage in Omaha?
To help you out, we’ve reviewed 68 of the best home warranty companies in the business and have created this guide to helping Omaha residents get the coverage they need. Continue reading!
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Top Home Warranty Companies for Omaha Homeowners
More Than 10 Years on the Market
Most Comprehensive Coverage Available
Free Reservice Period for Parts
Emergency Service Available
Cheapest and Best Basic Plan ($34/m)Choice Home Warranty Review
American Home Shield is one of the first companies that started providing home warranty services to homeowners and real estate agents. The company offers a variety of contracts, including customized plans.American Home Shield Review
Majority of Client Reviews Online Are Positive
Clearest Terms and Conditions
Highest Contractor Professionalism
Best Gold Plan ("Platinum Care")Select Home Warranty Review
Industry Veteran Award
Large and established company
Top 3 Cheapest Plans ($25/month)
Low optional coverage costs
Coverage is capped at $500
Limited Selection of Optional Coverage ItemsFirst American Home Warranty Review
Customer Service Available 24/7
Least BBB Complaints
Great Reviews on Google Places
Reservice for Failed Parts
1 Free Month Upon Annual Sign-UpTotal Home Protection Review
Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.
Compare Home Warranty in Omaha
What's In This Guide?
With its unique mix of urban and suburban living, Omaha, Nebraska is a fantastic place to own a home. But, owning a house comes with a whole lot of responsibility, especially when it comes to maintaining your home appliances and systems.
A protection plan from a top home warranty provider is a great way to cover yourself should you need to repair your home’s systems and appliances. That being said, finding the right home warranty coverage in Omaha can be tricky, since there are so many great companies to choose from.
Up next, we’ll walk you through everything you need to know about protecting yourself from major repair bills with a Nebraska home warranty plan in the great city of Omaha.
Please note: as rule of thumb all companies that service Nebraska residents should be able to serve you if you live in the Omaha area.
Top 5 Best Home Warranty Companies In Omaha
|Omaha Company Name||Premium Per Month||Deductible|
|Choice Home Warranty||From $36.17 to $43.85||$85 flat rate|
|American Home Shield||From $49.99 to $59.99||From $75-$125|
|Select Home Warranty||From $35.83 to $37.50||$75 flat rate|
|Total Home Protection||From $45.33 to $52||$75 flat rate|
|First American Home Warranty||From $28 to $42.50||From $75-$100|
Who Needs A Home Warranty in Omaha?
Not sure if a home warranty plan is really right for your needs? Well, it turns out that plenty of people can benefit from an Omaha home warranty. Here are a few:
As a homeowner, you’re responsible for the cost of home repairs of all your house’s major systems and appliances. These repair costs and replacement costs can quickly rack up thousands of dollars, especially for big appliances, like your air conditioner, or your plumbing system.
A warranty plan from a top service provider can help ensure that you’re not stuck paying the full cost of a significant home repair. Instead, you’ll get financial protection on all covered repairs with a warranty plan.
Best 5 Omaha Home Warranty Companies
If you’re in the market for a new home, having a warranty plan for homebuyers can help protect you should something break or malfunction soon after closing.
With the right plan, you won’t be liable to pay for broken home systems or issues with any other covered item. That means better peace of mind as you settle into your new home.
Home Sellers & Real Estate Agents
As a home seller, you can garner a better selling value on your home just by having a warranty plan. Prospective home buyers want to know that they won’t be saddled with major repair costs after closing, so having a protection plan in place can encourage others to submit an offer on your house.
Renters & Landlords
Owning a rental property is a great way to make supplemental income, but it is a whole lot of work. As a landlord, you can get a home warranty plan on your rental unit to protect yourself from costly home repairs.
Plus, warranty plans come with simplified service, so you can ensure that your tenants get quick repairs on broken items. Oh, and landlords can often use the cost of a home warranty premium as a tax deduction on their rental property business.
What Should You Think About When Purchasing An Omaha Home Warranty?
Omaha is known for being a great place to live, but deciding on the right home warranty for your needs depends on where you live and the conditions that your home is likely to face.
Omaha experiences what’s known as a humid continental climate, with hot, humid summers that bring a lot of rain and thunderstorms. Winter, on the other hand, is cold, with regular snowfall.
All this means that most Omaha homeowners have both air conditioning and heating, which you’ll want to get coverage for in your warranty plan. It also means that your home’s plumbing and electrical systems are likely to take a beating in those fluctuating temperatures.
Although there are some small hills in the city, Omaha is quite flat for the most part. The topography of the landscape, combined with the city’s location on the Missouri River, means that flooding is a regular issue. So, getting coverage for things like sump pumps should be a consideration for any Omaha homeowner.
Real Estate Data
Omaha is an up and coming city, thanks to recent efforts to revitalize the city center. According to the US Department of Housing and Urban Development, Omaha’s housing sales market is fairly tight.
Demand for housing is fairly tight both within Omaha and throughout the greater metropolitan area, which spreads into Iowa. This means that having a comprehensive home warranty plan can help make your house stand out amongst the crowd, getting you more offers and a better sales price for your home.
What Will A Home Warranty Cost A Resident Of Omaha?
Most Omaha residents can expect to pay between $300-$600 for a year of home warranty coverage. This is quite a big range, and the amount you pay will vary based on the size of your home and what kind of coverage you choose.
Check out this video below on the pros and cons of living in Omaha and to discover if the city is right (and affordable) for you.
What Types Of Plans Are Available For You In Omaha?
As a resident of Omaha, Nebraska, you have three standard home warranty plans available to you:
- Appliances Plans. These policies are designed to protect your home’s major appliances, such as your cooktop, ductwork, dishwasher, garbage disposal, and central vacuum.
- Systems Plans. Systems plans cover the most essential aspects of your home, such as your air conditioning, heating system, electrical system, and plumbing system.
- Combo Plans. Combo plans are an excellent choice for homeowners that want comprehensive coverage. They include protection for all of the most important systems and appliances in your home, from your HVAC to your garage door opener.
Is Coverage Worth It In Omaha?
Home warranties are definitely worth it for residents of Omaha. Here’s why:
Protection From Major Repair Bills
When you have a home warranty plan, you’re protected from the cost of major repair bills whenever you need home service for your covered items. While the cost of a home warranty premium is nothing to scoff at, it’s substantially less than the cost of replacing a major appliance or system.
For example, replacing a refrigerator could cost you between $900-$4,000. Meanwhile, repairing your HVAC system generally costs between $450-$2,900, and replacing it could set you back by $7,000.
Thankfully, a home warranty can help offset if not completely eliminate these out of pocket expenses.
Simplified Home Service
Home warranty plans provide more than just help with the cost of home repairs. They also offer you a simplified repair service that eliminates much of the hassle that usually comes with finding your own service contractor.
With a warranty plan, you simply have to submit a service request. Then, your provider will send a qualified repair technician to your home to fix or replace any covered items.
Covers What Homeowners Insurance Won’t
If you have homeowners insurance, you might be wondering why you also need a home warranty. The answer?
It turns out that home insurance is only meant to protect you if your home is damaged by a flood, fire, or some other type of natural disaster. Home insurance won’t cover you if you need home repairs because of regular wear and tear on your appliances or systems.
Warranty plans, however, are designed just for this purpose. They’ll protect you financially whenever a covered item breaks in your home from normal use.
What Are The Home Warranty Regulations In NE?
The state of Nebraska does not regulate home warranties. While homeowners insurance and other types of insurance policies are regulated, home warranties are considered service contracts and don’t fall under these rules.
How To Choose Coverage In Omaha?
You want to be sure that you’re getting the best possible coverage for your home in Omaha. So, here are five simple steps to finding the right warranty plan for your needs:
Step 1: Determine Your Priorities
Every homeowner has different priorities for their house’s warranty plan. In Omaha, coverage for HVAC, plumbing, electrical, and sump pumps is a good idea, based on the climate conditions you face, though you may want coverage for your other important appliances and systems.
Step 2: Choose A Plan
Once you have your priorities in order, it’s time to decide on a plan. We’ll walk you through the best home warranty plans in Omaha in just a bit, but be sure to compare the different plan options to see how well they cater to your unique needs.
Step 3: Sign Your Contract
As soon as you decide on a warranty plan, it’s time to sign your contract. Most companies also have a grace period between when you sign your contract and when you can submit your first claim, usually about 30 days.
Step 4: Submit A Claim
After your grace period is complete, you can submit a service call to your warranty company whenever you need a repair on a covered item. You’ll normally have to pay a small service fee (usually $60-$125) to cover the cost of sending a repair technician to your home.
Step 5: Get Great Repair Service
With your service claim submitted, you can sit back and relax as your warranty provider sends a qualified service contractor to your home. They’ll inspect, diagnose, and repair any issues so your house can be back in good working condition.
Top Omaha Home Warranties Reviewed
Finding a home warranty policy can be tough. So, here are our 5 top home warranty providers for homeowners in Omaha, Nebraska, to check out.
#1 Choice Home Warranty
Choice Home Warranty is one of our top picks for Omaha homeowners because of the company’s affordable, comprehensive coverage.
They offer two different combo plan options – a Basic Plan and a Total Plan – to suit any budget. We particularly like their Total Plan for Omaha houses because it covers heating, air conditioning, plumbing, and electrical, among most major appliances.
Additionally, Choice Home Warranty has add-on coverage options for your sump pump to protect your home from flooding.
- Affordable premiums and service fees
- Coverage for all important systems in Omaha homes
- Add-on available for sump pump coverage
- No option to customize plans
#2 American Home Shield
American Home Shield is a popular choice around the country because they offer three great standard plan options: an Appliances Plan, a Systems Plan, and a Combo Plan.
We like American Home Shield’s plans for Omaha homes because their plumbing coverage includes protection for sump pumps. Plus, their Systems and Combo Plans offer comprehensive HVAC and electrical coverage.
Finally, the company allows you to build your own plan and choose your own service call fee. This makes them an ideal choice for homeowners that want maximum control over their coverage.
- Sump pump coverage included with plumbing protection
- Ability to build your own plan
- Allows you to choose your own service fee
- Premiums are a bit high
#3 Select Home Warranty
Select Home Warranty is a fan-favorite for Omaha homes because they offer three different plan options. This makes it easier for you to customize your coverage to your needs better.
Their Gold Care Plan for systems and Platinum Care Plan for total coverage are both good options for Omaha homes. This is because they come with HVAC, plumbing, and electrical coverage, plus sump pump coverage as an optional add-on.
The company is particularly popular because they include roof leak protection in its plans for no additional fee. They also allow you to choose your own contractor when you need repair service.
- Roof protection included with no extra fee
- Ability to choose your own service provider
- Sump pump coverage available
- Higher than average premiums
#4 Total Home Protection
Total Home Protection offers a Gold Plan and an Appliances Plan for homeowners that want comprehensive home coverage. Both of these plans provide great coverage for your house’s major systems and appliances, which is perfect for Omaha homes.
They also offer a great list of add-on coverage items, including sump pumps for your home. Finally, they provide emergency repair service so you can get prompt home repairs when you need it most.
- Emergency repair service available
- Comprehensive coverage for Omaha homes
- Sump pump coverage available
- Somewhat low coverage limits on some appliances
#5 First American Home Warranty
First American Home Warranty is a solid option for Omaha homeowners that want affordable options. Their Basic Plan and Premier Plan both have low premiums and high coverage limits to help you save money.
In particular, we like that First American Home Warranty offers upgraded coverage for home sellers, making them a great choice in Omaha’s burgeoning real estate market. They also have affordable service call fees to keep more money in your pocket when you need a repair.
- Low premiums and service call fees
- Coverage upgrades available if you sell your home
- Air conditioning only available as an add-on
Final Thoughts On Home Warranties In Omaha
Homeowners in Omaha have a lot to gain from a home warranty plan. From protection against costly home repairs to simplified repair service, a quality home warranty provider can give you added peace of mind when it comes to caring for your house.