A home warranty will protect the parts of a house that make it a home, such as your appliances, plumbing, heating, air conditioning, and some structural parts.
The best home warranty:
• Covers what your homeowners insurance does not
• Has excellent, transparent policies and customer service
• Allows for customization of your plan
To find the best home warranty, we read hundreds of reviews and talked to service contract experts to help us understand the inner workings of an industry plagued by a bad reputation. Then we got on the phone to quiz 20 providers on their coverage (multiple times), dug into each of their service agreements, and found the four that rose above the competition.
Top 10 Home Appliance Warranty
- Surge Protection: 3-Mode / 1,790J / 44,000A. Ratings: 30A / 120V / 3,600W. Operating Temperatures: -40C to...
- Weather Resistant/designed for Outdoor Use
- Anova precision cooker Bluetooth - perfect to cook within Bluetooth range from the Anova app or from the...
- COOK LIKE A PRO - The Anova Precision Cooker allows anyone to cook a restaurant quality meal at home. Our Sous...
- [Powerful Function] A total power output of power surge protector up to 1100W enables you to power up to 4...
- [Premium Quality] FCC certified. Built with high-quality components, enhanced circuitry and flame retardant...
- Designed in California. Special improved ergonomic angled display provide better viewing, without bending...
- MOTHER'S DAY GIFTS - A perfect healthy gift for your mother, wife, family and friends. 85% less fat than...
- Travel Adapter And Converter Combo. 220V to 110V Converter Step Down The Voltage For U.S. Electric Products...
- Adapter Mode With 2 Fast Charging USB Ports For DUAL-VOLTAGE (110-220V or 100-240V) devices Such As Laptop,...
- State-of-the-art technology to ensure hotter coffee without sacrificing flavor or quality
- Brew strength control allows you to select regular or bold coffee flavor
- Power More - Transform one outlet into 6 with the GE Power Strip Surge Protector to power you TV, lamp,...
- Flat Plug - The 8ft power cord provides optimal reach while the low-profile flat plug allows furniture and...
- 70 pints per day dehumidifier uses standard 115V electrical outlet. Noise Level dB (High): 51
- Protects your home from mold and mildew caused by excess moisture
- ★★★★★【Adapter and 3 plugs and 2 USB】The TryAce adapter is suitable for all DUAL VOLTAGE...
- ★★★★★【ALL IN ONE Combo】2000W Voltage Converter contains 3 international plug (UK/AU/US/EU...
- Ultra Slim, New Mid Size Design, HDMI Output, 1080P Upscaling, JPEG, MP3 Playback, Multi Disc resume,...
- Video: DVD, DVD+R, DVD+R DL, DVD+RW, DVD-R, DVD-R DL, DVD-RW; Audio: CD, CD-R, CD-RW; File Formats Supported:...
How We Chose the Best Home Warranty Companies
To even be considered in the running for “the best,” each company had to share its sample contract online. Tim Meenan, executive director and general counsel for the Service Contract Industry Council (SCIC), told us the SCIC recommends all home warranty companies make it easy to find and review their contract. You shouldn’t have to call a company, survive a sales pitch, and surrender your email just to see the company’s coverage details.
It’s important to read the fine print of a home warranty contract before you sign because it’s the small, contractual specifics that determine what happens when something breaks. So, we dug into service agreements — the section of the contract that details what the company will fix and the maximum amount it’ll pay out — to look for straightforward policies that were free of major red flags such as unreasonable or confusing coverage requirements.
We compared the maximum coverage amount each warranty provider will pay, either for single repairs or for a year’s worth of maintenance. Some caps are generously high: American Home Shield will pay up to $1,500 per item and TotalProtect doesn’t limit its coverage at all.
By comparison, most other providers cap their coverage at $500, which generally won’t cover the repair or replacement costs of important appliances or home system components — replacing even the most basic refrigerators could cost up to $600. We focused on providers with caps above $500 to ensure they could see us through an expensive repair or new replacement.
Reliable customer service
Home warranty complaints often stem from misconceptions about what a policy will cover, so we looked for providers that went out of their way to be upfront and transparent about their product. We called each company multiple times with questions about coverage and the claims process to see how we’d be treated as policyholders. We passed on companies whose sales reps consistently kept us on hold or ignored our questions and launched right into a sales pitch.
Guide to Home Warranties
How to get the most out of your policy
1. Review the basics
If we had to distill the entire subject of home warranty contracts down to one point, it would be this: A home warranty contract works to minimize the provider’s liability. Like all insurance companies, home warranty providers only make money if they pay out less than they take in.
Don’t expect them to be extremely specific about the line they draw on coverage. Some contracts, like Sears’, list all items that are covered and those that aren’t. Others, like First American, say “all parts and components” are covered, followed by a list of exclusions.
2. Look for exclusions
The opening paragraphs of a contract often lay out the items that the provider is responsible for. This can include both systems and appliances. Appliances are self-contained units like a washer, fridge, or microwave, while systems are a bit more intricate or costly — think an HVAC system, hot water heater, or the electrical wiring throughout your home.
Most companies then list exclusions — the things they won’t cover. These will vary depending on your contract, but some we ran into repeatedly include items with pre-existing defects or improper installation, items under recall, commercial grade equipment, and repairs or replacements requested before your contract starts. Understanding the exclusions will help you ensure your contract is giving you the protection you’re paying for.
3. Pay close attention to the repair timeline
When it comes to home warranty contracts, Jennifer Englert, attorney for The Orlando Law Group, told us to “carefully read any portions of the contract which discuss how quickly after you request a repair it will be completed. Read what happens if the repair does not work, or if the vendor who comes to make the repair cannot get the job done. Coverage is not usually an issue under these contracts, but how repairs get done — and when — vary from company to company.”
4. Ask questions
Home warranty contracts are often complex by design. Evan W. Walker, Esq. of the Law Office of Evan Walker, explained that a home warranty contract “is not written to be understood by the consumer.”
5. Negotiate prices
Don’t be afraid to ask for a lower price. All service contract prices are negotiable — that’s why we recommend getting a quote over the phone. Online, there’s no way to pitch for a more competitive rate.