Do you ever worry about coming home from a long day at work to find that one of your appliances has broken and caused damage to your property?
September 12, 2023
A flooded floor due to a faulty washing machine or power outage because of a loose wire are just some of the many unexpected repairs you'll need to pay for. A home warranty can save you money, especially if you consider all of the other expenses you have like utilities, taxes, and insurance.
Choice Home Warranty is one of the best options available for your home systems and appliances, offering 24/7 customer service with quick response times and comprehensive coverage.
However, you could be looking for more flexible plans, a lower premium, or higher approval rates for repairs. That's why we've created a list of alternatives so you won't have to do the research yourself.
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A versatile service with extensive add-on possibilities
Best for - Tailored policies with a wide range of add-ons
Starting price - From $50/month
Founded in 2017, Liberty Home Guard is still relatively new compared to other providers on the market. With a nationwide network of over 10,000 technicians, you can find a qualified professional to repair your home equipment quickly and efficiently.
Additionally, it offers a large selection of add-ons that you can use to tailor the policy to your situation, so you can have peace of mind and avoid expensive home repair costs.
Pros
Cons
Read the full Liberty Home Guard review
High coverage caps for appliances
Best for - Writer's choice
Starting price - From $47/month
With First American Home Warranty, you can request a service online or by phone, and they will dispatch a provider to your home within 24 hours. Starting at $3,500, it has one of the highest coverage caps for appliances on this list, so you can minimize out-of-pocket expenses.
It bundles the American Advantage upgrade in its Essential and Premium plans, covering various items and scenarios not typically found in a standard home warranty, such as HVAC (Heating, Ventilation, and Air Conditioning) removal via crane.
Pros
Cons
Read the full First American Home Warranty review
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Affordable service with roof leak protection
Best for - Low service fees
Starting price - From $44/month
Roof leaks can be a significant expense, so it's essential to have coverage for them. Select Home Warranty includes it with every plan, which can be a money saver if you want to stay on a budget.
With affordable service fees ranging from $75 to $100, it encourages you to proactively address maintenance issues to lower the cost over time. With a lower out-of-pocket expense, you won't have to avoid requesting help for more minor problems. This can lead to better upkeep of your home appliances and systems, extending their lifespan.
Pros
Cons
Read the full Select Home Warranty review
A jack of all trades for a variety of needs
Best for - Coverage on most of your appliances
Starting price - From $40/month
First Premier home warranty basic plan covers most major systems and appliances, and if you upgrade it, you get coverage for some additional items, such as garage door openers, security systems, and more. Moreover, if you sell your home, you'll be able to transfer your policy for free.
The unique coverage options, such as replacements for dishwasher racks, baskets, rollers, knobs, and dials. These minor breakdowns are one of the most common appliance problems you can face as a homeowner.
Pros
Cons
Read the full First Premier review
Long-term assurance against hidden imperfections
Best for - Affordable plans
Starting price - From $39/month
Not all homes are the same. You may have different or additional items that need protection. American Home Shield (AHS) offers extensive home warranty add-ons to protect extra items in your house, such as pools and in-ground spas, guest units, electronics, and septic and well pumps.
Additionally, AHS covers rust, corrosion, pre-existing conditions, and breakdowns caused by a lack of maintenance. This way, you can have peace of mind knowing that even hidden imperfections are handled, sparing you from unexpected repairs.
Pros
Cons
Read the full American Home Shield review
These Choice Home Warranty alternatives have similar or more extensive plans that can be tailored to your specific needs. This means you can protect all your appliances, systems, and even additional items like pools or well pumps.
Long-term cost savings is one of the main reasons to get a home warranty. And with high approval rates, these alternatives help you avoid expensive home repair costs.
It can be frustrating when you expect a warranty to cover certain repairs or replacements, only for your provider to deny your repair claim. The above alternatives strike the right balance between affordability and coverage by offering transparent pricing, ensuring you know exactly what you're paying for.
The alternatives above have distinctive characteristics that might suit your home.
For example, if you prefer high coverage caps to minimize the out-of-pocket expense of fixing major appliances, choose Liberty Home Guard. On the other hand, if you just bought a home and want to check for any hidden faults, American Home Shield is the better option.
Be aware of the different fees and service limits that apply, and ensure you have the right coverage in place for your systems and appliances to ensure your home warranties are worth it.
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David Granahan writes for Top10.com and is a qualified financial advisor with six years experience in financial services across the insurance and investment sectors. He is also a financial writer who has worked with some of the world's largest brands and fintech startups.
