home waranty companies
1. AFC Home Club
AFC Home Club offers four kinds of coverage:
- The Systems Plan includes the air conditioning, water heater, heating system, electrical system, plumbing and ductwork.
- The Silver Plan includes the washer, dryer, refrigerator, oven, range, dishwasher, garbage disposal and garage door opener.
- The Gold Plan includes everything in both the Silver Plan and Systems Plan.
- The Platinum Plan includes everything in the Gold Plan plus the ice maker, fans, and plumbing stoppages.
2. American Home Shield
American Home Shield offers three levels of coverage:
- ShieldSilver covers 14 major systems including heating and cooling, electrical and plumbing.
- ShieldGold adds nine more systems including kitchen and laundry appliances.
- ShieldPlatinum expands coverage to include elements like roof leak repairs and code violations.
3. Choice Home Warranty
Choice Home Warranty offers two levels of coverage:
- The Basic Plan includes the heating system, plumbing, plumbing stoppages, electrical, water heater, whirlpool bathtub, oven, range, stovetop, dishwasher, built-in microwave, garbage disposal, ductwork, garage door opener, and ceiling and exhaust fans.
- The Total Plan also includes the air conditioning system, refrigerator, washer and dryer.
4. Cinch Home Services
Cinch Home Services offers three kinds of coverage:
- Appliance coverage includes the washer, dryer, cooktop, dishwasher, freestanding ice maker, built-in microwave, range, range exhaust hood, refrigerator, trash compactor and wall oven.
- Built-in System coverage for the air conditioning (including ductwork), heating system (including ductwork), attic fans, ceiling fans, central vacuums, doorbell, electrical system, garage door opener, garbage disposal, instant hot/cold water dispenser, plumbing system, smoke detectors, plumbing system, smoke detector, sump pump, toilets, water heater and whirlpool/jetted tub.
- Complete Home coverage combines coverage from the appliance and built-in system packages.
5. First American Home Warranty
First American Home Warranty offers two levels of coverage:
- The Basic Plan includes the garbage disposal, dishwasher, oven range, stovetop, built-in microwave, trash compactor, refrigerator, washer and dryer.
- The Premier Plan also includes the water heater, plumbing, plumbing stoppages, heating, ductwork, electrical, garage door opener and central vacuum system.
6. Liberty Home Guard
Liberty Home Guard offers three kinds of coverage:
- Appliance Guard includes the washer, dryer, refrigerator, built-in microwave, dishwasher, garbage disposal, range, oven, cooktop, ceiling fans, exhaust fans and garage door opener.
- Systems Guard includes the air conditioning, heating, ductwork, plumbing, electrical system and water heater.
- Total Home Guard combines coverage from the Appliance Guard and Systems Guard packages.
7. Select Home Warranty
Select Home Warranty offers three levels of coverage:
- Gold Care includes the heating, cooling, plumbing, electrical, water heater and ductwork.
- Bronze Care includes the washer, dryer, garbage disposal, stove, oven, built-in microwave, cooktop and dishwasher.
- Platinum Care combines Gold and Bronze and adds plumbing stoppages, garage door opener and ceiling fan.
What is a home warranties companies?
- Purchase a home warranty: Homeowners can purchase a home warranty from a warranty company, which will typically offer different coverage plans to choose from. Homeowners can select the plan that best meets their needs and budget.
- File a claim: When a covered item breaks down or stops working, the homeowner can file a claim with the warranty company. This is typically done by calling the warranty company's customer service department or submitting a claim online.
- Service request: The warranty company will then send a service technician to the home to assess the problem. The technician will determine if the item is covered under the policy and, if so, will provide a recommended course of action for repair or replacement.
- Repair or replace: If the item is repairable, the service technician will perform the repair for a discounted fee or no cost at all, depending on the terms of the policy. If the item needs to be replaced, the warranty company will provide a new appliance or system, also for a discounted fee or no cost at all.
- Pay the service fee: Depending on the terms of the policy, the homeowner may need to pay a service fee or deductible for each claim.
- Covers damage to your home and personal belongings caused by natural disasters, theft, and other events specified in the policy.
- Typically required by lenders if you have a mortgage.
- Does not cover normal wear and tear on appliances and home systems.
- Policy premiums are based on the value of the home, the location, and other risk factors.
- Covers the cost of repairs or replacement of major home systems and appliances due to normal wear and tear.
- Optional coverage that is not required by lenders.
- Does not cover damage caused by natural disasters, theft, or other events covered by home insurance.
- Policy premiums are based on the level of coverage, deductibles, and service fees.
Who regulates home warranty companys?
- Research and compare: Start by researching various home warranty companies and comparing their plans and coverage options. You can find information online or ask for recommendations from friends and family.
- Check reviews: Look for reviews and feedback from other customers to gauge the quality of service provided by the home warranty company. You can find reviews on websites such as the Better Business Bureau, Yelp, and Google Reviews.
- Check the coverage: Make sure the home warranty company covers the appliances and systems you need to protect. Also, read the fine print carefully to understand any exclusions or limitations in the coverage.
- Compare costs: Compare the costs of different home warranty plans, including monthly or annual premiums, service fees, and deductibles. Consider the overall value of the plan and its coverage.
- Check the reputation: Look for a home warranty company with a good reputation for customer service and claims handling. You can check the company's reputation by looking at its rating with the Better Business Bureau or reading customer reviews.
- Ask questions: Contact the home warranty company directly and ask questions about its coverage, services, and customer support. A reputable company will be transparent and helpful in answering your questions.