You just purchased your dream house or moved into the perfect rental along with the elegant décor that turns your house into your home. It has been a few months and everything is unpacked and placed in its designated spot. However, within a few months of moving in, you get hit with a costly and unexpected expense when your heater blows out during the winter.
Buying a home warranty plan is a safeguard against unexpected costs as well as stress, especially during the winter months when you'll want to make sure all your heating appliances are in working order. But choosing the right plan is no easy task—there are many factors to consider, including budget, type of home, and lifestyle. Here’s a look at the top 10 home warranty plans of 2022 that might be right for your new home.
Choice Home Warranty offers affordable plans that cover most of your major appliances and systems. In addition, new customers qualify for a free month of coverage. You can submit a claim 24/7 online or via phone, and a service provider will contact you within 48 hours. However, services are not available in Washington or California, and Choice limits coverage to $3,000 per item per contract term.
Excluding Washington, Wisconsin, Nevada, and New York, Select Home Warranty provides coverage nationwide. Homeowners can choose between 3 different plans that cover most major appliances and systems. Although it offers discounts that make its premiums affordable, its coverage limits are lower than those of many competitors. However, Select includes free roof leak coverage with all of its plans and 24/7 customer service support via phone.
Liberty Home Guard has an excellent reputation with its customers, a great customer service offering, and a host of deals and discounts when you purchase a plan. For example, you’ll get 2 free months when you purchase a year’s worth of cover. Although Liberty Home Guard has a slightly smaller network of technicians than some competitors, you can source your own technicians, too.
Since 2008, HSC has provided home warranty coverage to homeowners nationwide. Its two service plans cover most of your home’s major appliances and systems. Although its premiums and service fees are higher than many of its competitors, it offers promotions to make its plans more affordable. With HSC, you can get coverage for pest damage as well as unique optional features such as utility line coverage. You can submit a claim online 24/7, and HSC will schedule your service request within 12 to 48 hours.
Since 1978, Cinch Home Services has provided home warranty services to homeowners nationwide. It offers 3 plans that cover most of your home’s major appliances and systems. While its service fees are on par with most of its competitors, Cinch’s premiums can be very affordable depending on your state.
Unlike many of its competitors, it provides coverage for corrosion and rust damage as well as pre-existing conditions. You can submit a claim 24/7, and best of all, Cinch’s 180-day service guarantee ensures that you keep your service fees low for repeat calls.
With more than 35 years’ experience, First American Home Warranty is a robust offering for those seeking strong all-round protection for their systems and appliances. Among its most attractive features are its promises to cover items regardless of age and to replace items that are beyond repair with a brand new equivalent.
Although there are maximum payouts for multiple items, these are highly reasonable and affordable. Thanks to its clear and transparent application process, customers should also be well aware of which items fall within their coverage plans and which do not.
Having been in business for just 2 years, Complete Care Home Warranty offers robust protection for both household systems and appliances. As well as potentially expediting emergency claims, it offers a 24/7 service request hotline and will cover older items.
The biggest drawback we encountered is the relatively low payout caps on certain items. If, however, you believe these should be sufficient to cover the items in your home, Complete Care Home Warranty could be the right choice for you.
Offering coverage for a wide range of systems and appliances, AFC Home Club could provide essential peace of mind if one of the key items in your home were to fail. It offers 4 plan types (Systems, Silver, Gold, and Platinum), with each providing 24/7 in-house claims support.
Although its prices are roughly in line with industry standards, the provider does have a number of advantages over its rivals, including the longest workmanship guarantee in the industry and a range of attractive benefits.
First Premier Home Warranty has reasonable prices that are slightly cheaper than some competitors, and two free months included with your plan, making it a good choice if you’re on a budget. Its basic plan, Premier, includes a decent range of appliances and systems, with the option of upgrading or adding extras if you need more cover.
There’s also a 30-day guarantee on labor and a 90-day guarantee on parts. While the contractor network isn’t the biggest out there, First Premier aims to get your problems looked at within 48 hours.