Compare Top Home Warranty Plans 2020

With a huge variety of home warranty plans on the market, finding the one which is most suitable for your needs could be rather tricky. In order to help you make your choice, we have analyzed more than 100 different home warranty plans by more than two dozen home warranty companies, and are proud to present our readers with a selection of the best home warranty plans for 2020.  We stick comparing the home warranty plans which are well-balanced in terms of price and coverage, so in that in our expert opinion, they give you the best protection for your buck.

We have analyzed and compared multiple factors related to home warranty plans to help you choose the right one for your home. Please use our charts below to compare both basic and more advanced home warranty programs. Make sure you read home warranty reviews to get a complete understanding of the offering.  Each of these comparison tables will change based on your location in the U.S, so it doesn’t matter if you are from California, Texas, Arizona, Maryland, Utah or anywhere else in the USA!

How to Choose the Right Home Warranty Plan for Your Needs

Our unique 2000-word long guide. Click here if you want to read about the most recommended home warranty plans.

As soon as they buy a house, every homeowner has to face the question: which home warranty to choose? Should I simply go with the cheapest home warranty plan? How do I compare the various home warranty plans? In some cases, real estate agents make this decision for the homeowners, by offering a one-year contract with the home warranty supplier of their choice as a housewarming gift. In other cases, a home warranty contract is transferred from the previous homeowner to the new one. However, these contracts may not be the optimal solution for the new owner of the house.

What are the most common problems that may arise when the homeowner does not select their home warranty plan carefully? First of all, you may not realize what is covered by your home warranty plan, and what is not covered. This may lead to very unpleasant surprises when a home system or appliance malfunctions, and the home warranty company denies the claim.

In other cases, you may not know to what extent the company will cover the repair or replacement of the broken item. Some of the providers are more generous and offer thousands of dollars in coverage, while other companies limit their coverage at a thousand dollars or even a few hundred for such expensive items as an air conditioner or a heater. It is also good to know what service fee your company charges per claim, and whether it is related to the premium price that you pay for your home warranty plan.

We have analyzed information and created an easy comparison for 43 home warranty issuers including customer feedback. We found that about 7% of the customers complained about tricky terms and conditions, and more than 33% experienced problems with coverage of their home systems or appliances. In the figure below you can see how often the customers mentioned various problems with the plan they have opted to use.

Another big problem may arise when a crucial home system, like air conditioning in summer or a heating system in winter, breaks. You call the home warranty supplier of the plan you have selected, but they don’t have emergency services. You have to wait several days until the company sends you a contractor, and then even more time until the contractor fixes the problem. According to our data, emergency services were available in 87% of the companies we have tested. Only 13% of the companies in this space will make you wait for service.

Another unpleasant surprise that may occur—if you have not done your homework before signing a home warranty contract—is the unexpected expenses on top of the home warranty premium and deductible that you have already paid. Almost 8% of customers complain about unexpected costs. Did you know that most providers have coverage limits for each covered item, and if repair expenses go beyond this limit, they are your responsibility?

 These are the main reasons why homeowners like you need to compare home warranty plans carefully, learn as much information about them as possible, and make an educated decision that will help avoid the pitfalls mentioned above.

Selecting a Plan: Step-By-Step

So, you have bought a new house and are now looking to compare home warranty plans and select the best one for you, correct? First of all, congratulations on your purchase! Now let us lead you through the process of selecting the best home warranty plan for your new house.

Let’s assume your house is in Texas, and you want to purchase a home warranty for all major home systems and appliances. The most common home systems covered by home warranties are air conditioning, heating, electric, and plumbing. For the home appliances, the majority of the home warranty plans cover refrigerator, oven, dishwasher, built-in microwave, washer, and dryer.

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