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Many people don’t realize that their homeowner’s insurance doesn’t cover their home’s major systems, and without a home warranty that cover’s your electrical systems, you’re leaving yourself open to thousands of dollars worth of repairs and headaches. A good home warranty that covers electrical systems not only helps you pay for repairs when something breaks down but also takes the burden of finding a reliable electrician off your shoulders. This guide covers everything you need to know about electrical system warranties to choose one that fits your budget and gives you the protection you need.
Home warranties cover damage to appliances and home systems, helping you pay for repairs and replacements up to some coverage limit. These policies are distinct from homeowner’s insurance, which only covers property and structural damage. The best home warranties feature low monthly rates and offer comprehensive coverage for all your major appliances and home systems — like your electrical system. When you run into an issue, you contact your home warranty provider, and it handles finding a suitable technician and scheduling the visit. Continue reading for an in-depth look at the best home warranties for electrical systems.
House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
There are tons of home warranty companies out there these days, and not all of them are well-suited for protecting electrical systems. We’ve taken it upon ourselves to compile this short list of the five best companies that offer coverage for electrical systems. Our ranking is based on an extensive set of factors, including the monthly cost, the extent of coverage a company provides, the level of customization available per plan, and the company’s reputation among existing customers, as evidenced by reviews and ratings. Here’s what we’ve found:
Choice Home Warranty has been in the home warranty business for 13 years and amassed a loyal following on the back of stellar customer service, great rates, and generous coverage limits. One of the best parts about Choice Home Warranty is its transparency. The company posts sample contracts on its website for you to peruse and has some of the clearest contracts in the industry. Choice Home Warranty also sets itself apart from other companies by offering coverage for all major appliances and home systems — including electrical systems — across all of its plans, a rarity in the home warranty space.
Choice Home Warranty has two protection plans, both of which offer coverage for your electrical system. Each plan includes coverage for a mix of appliances and systems, making it easy to get comprehensive coverage regardless of which plan you choose. The company also offers add-ons for more specialized coverage if you need protection for something not included in either plan.
If you’d like a free quote from Choice Home Warranty, fill out this online form or call the company directly at 929-400-6164.
For more information, check out our complete Choice Home Warranty review.
Select Home Warranty is known throughout the home warranty industry for its excellent prices, especially its low service fees. The company has been around since 2012 and currently holds a solid B rating from the Better Business Bureau (BBB), an above-average rating for a home warranty company. Unlike Choice Home Warranty, Select Home Warranty does not offer coverage for electrical systems in all of its plans, so you’ll have to choose one of the higher-priced packages. Luckily, Select Home Warranty is one of the most affordable home warranty companies, so upgrading to one of its higher tiers won’t break the bank.
Select Home Warranty packages its coverage into three tiers: Bronze, Gold, and Platinum. The Bronze Plan only covers appliances, so you’ll need to choose either the Gold or Platinum Plan to receive electrical system coverage. If you need more coverage than any of the premade plans provide, you can select from nine optional add-ons.
To get a free quote from Select Home Warranty, fill out this form or call 888-370-3953.
You can learn more about the company by reading our Select Home Warranty review.
If the first two companies don’t offer enough freedom for you, consider going with American Home Shield (AHS) instead since the company offers some of the most highly customizable home warranty plans in the business.
American Home Shield has established itself as a cornerstone of the home warranty space over an impressive 50-year history of serving homeowners across the country. The company boasts outstanding customer reviews and has some of the highest customer satisfaction ratings of any home warranty company. It also maintains a respectable B rating from the BBB, an impressive feat over such a long time of being in operation.
American Home Shield has three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. All three plans include electrical system coverage, so which plan you choose depends on what other protection you’re looking for.
If American Home Shield sounds like the right company for you, you can contact the company by calling 888-365-2839 or filling out this contact form. The company is available in 49 states (excluding Alaska).
Check out our comprehensive American Home Shield review to learn more.
The Home Service Club has been providing customers with fast, reliable home warranty service for almost 15 years. The company distinguishes itself by having the lowest wait times between signing up for a home warranty and coverage kicking in, making it the best choice if you need coverage ASAP. The Home Service Club also has blazingly fast response times, an important consideration when dealing with possibly dangerous situations like electrical issues.
The Home Service Club has two main plans: the Standard Coverage Plan and the Comprehensive Coverage Plan. The company also offers several add-ons for extra coverage. If you’re only interested in coverage for your electrical system, the Standard Coverage Plan is what you want.
Fill out this form to get a free quote from The Home Service Company, or you can call the company directly at 800-842-9334.
For more information about plan options, check out our complete review of The Home Service Club.
Liberty Home Guard has only been in the home warranty business since 2017 but has already made a name for itself. The company offers a towering stack of coverage options, far more than most home warranty companies, and is known for its stellar customer service and reliable coverage. Liberty Home Guard has an outstanding A rating with the BBB and stands behind its work with a 60-day guarantee.
Liberty Home Guard divides its coverage into three separate plans: Appliance Guard, Systems Guard, and Total Home Guard. Electrical systems are only covered under the Systems Guard and Total Home Guard plans. One thing to be aware of is that Liberty Home Guard’s coverage limits are below the industry standard, hovering around $1,500 per item.
To contact Liberty Home Guard, you can fill out this online contact form or call directly at 866-451-2281.
To learn more about the company’s coverage options, be sure to read our Liberty Home Guard review.
A home warranty plan for electrical systems covers damage to your home’s electrical components that aren’t covered in your homeowner’s insurance. Many people don’t realize that a home warranty covers home repairs and replacements for their electrical infrastructure, and even homeowners who have a home warranty often don’t know exactly what it covers. Coverage varies somewhat depending on your home warranty provider, but most home warranties cover your home’s wiring, switches, circuit breakers, and panels.
Having a home warranty that covers your electrical system is a good idea since electrical repairs are often more expensive than appliance repairs. Electrical work requires hiring experienced, certified electricians who know how to assess and repair your electrical system safely. Paying for such expertise isn’t cheap and can easily run you hundreds or even thousands of dollars without a home warranty.
Once you have coverage, any minor issues with your electrical components that aren’t severe enough to be covered by your homeowners insurance can often be covered by your home warranty. Plus, the majority of the home warranty plans that cover electrical systems also cover other home systems. As such, you might also be able to get complete protection for issues related to your electrical system, like plumbing leaks that cause shorts or faulty wiring that leads to non-functioning outlets and switches.
Every homeowner can benefit from having an electrical system home warranty, but some people stand to benefit more than others. If you live in an older home, for example, chances are the electrical system is the original one that was put in when the house was built. Wiring and switches don’t last forever, and when they start to go, they have a way of causing an expensive domino effect of repairs, sometimes necessitating a full system replacement.
Faulty wiring is a fire hazard and can cause damage to appliances, leading to more repairs and more expenses. Having a home warranty makes it easy to get a reputable electrician to come take a look, ensuring that your electrical system is in good shape and won’t cause you headaches down the road. As such, a home warranty that covers the electrical system is beneficial to any homeowner.
Additionally, many new home buyers think they don’t need a home protection warranty, but buying a home warranty plan early on is usually a good investment. Even if you live in a newer home, having a home warranty that covers your electrical system is the best way to make sure it gets the maintenance it needs to keep your house operating smoothly for years to come. Many people neglect to get the service done that they need because of how expensive electrical work can be, but a home warranty makes budgeting for routine repairs far more palatable.
Another group of people who can benefit from a home warranty is people considering selling their homes. A home with a warranty is more attractive to potential buyers, and many real estate companies suggest purchasing a home warranty to help speed up the process and bring more interest to a property. Additionally, home warranties can protect your electrical system and other components in your home from unexpected damages leading up to closing. There are few things more frustrating than having to push back closing because of a buyer-required repair, and a home warranty can help avoid exactly that.
Finally, landlords will benefit immensely from securing a home warranty, as these policies can help get service quickly, helping to keep your tenants safe and happy. Landlords can also mitigate ongoing maintenance costs by taking advantage of home warranties, especially if they manage multiple properties, which can lead to very expensive monthly repairs without a warranty in place.
Not all home warranties will cover the same parts of your electrical system, so be sure to contact the company before you commit to a contract. Make sure you understand what parts of your electrical system are covered, and don’t forget to ask about coverage limits if they aren’t listed clearly on the company’s website.
In general, most electrical system home warranties cover repairs and replacements for the following components:
Sometimes companies will also cover electrical components of your home’s major appliances, like electric motors, fans, and vents, although this varies.
If you have more specialized electrical equipment, such as outdoor outlets for a pool filter or an external shed with power, make sure to ask about these systems explicitly since they may not be covered under the standard electrical system warranty. In general, any electrical components located outside of your main living space may not be covered under a standard policy and could require additional coverage, that is, if the company offers any coverage at all. Don’t forget to inquire about these possible exclusions before you commit to a plan.
Some people are disappointed to learn that an electrical problem is not covered under the terms of their home warranty service contract, often because the electrical issue they have is a result of negligence on their part. The terms of most home warranties explicitly state that coverage is contingent on the policyholder conducting routine maintenance.
Virtually all home warranties also don’t cover damage to the electrical system from natural disasters, accidents, lightning strikes, and power surges and power failures. These problems are relegated to your homeowner’s insurance policy.
The bottom line is that home warranties are for normal wear and tear damage from ordinary use; they’re not meant to cover external factors.
An electrical system home warranty typically costs between $40 and $60 per month. Most home warranty companies don’t offer standalone electrical warranties, so the total price you pay is mostly driven by what else is included in your plan.
It’s usually the most cost-effective to purchase a company’s top-level plan since it gives you the most coverage per dollar and often comes with other bonuses like lower service fees. However, you can usually save money by purchasing the cheapest plan that includes electrical systems, although you’re leaving yourself open to other unexpected costs.
Services are often overlooked by people shopping for a home warranty, but they play an important role in determining the long-term practical cost of your plan. More expensive plans sometimes come with lower service charges, but the industry average is around $80 per service visit.
Many people think home warranties are complicated, but once you have a policy, filing a claim and receiving service is straightforward.
The first step is purchasing a plan. Keep in mind that your coverage won’t start until 30 to 90 days after you sign the contract in most cases, so it’s best to establish a plan well before you need it. If you need coverage ASAP, consider choosing a company that offers expedited coverage, like The Home Service Club. It’s important to realize that many plans don’t cover pre-existing conditions, so keep this in mind when choosing coverage as well.
Once your coverage begins, keep an eye out for any signs of electrical issues throughout your home. These could be small things like flickering lights or larger issues like frequent trips of your circuit breaker.
When you run into an issue that’s covered by your electrical system home warranty, you need to file a claim with your warranty service provider. This is usually easiest to do online, but many companies still allow you to file a claim over the phone if you prefer. Some of the more modern companies have phone apps that let you file a claim quickly and easily.
Your home warranty provider will arrange for a skilled technician to assess your problem and administer whatever service or replacement is needed. As long as the work being done doesn’t cost more than the coverage limits, all you’re responsible for is the service call fee set by your warranty provider, which averages around $85. This is where you really feel the savings and what makes home warranties worth it for most homeowners.
It is vital that you know what your plan’s coverage caps are, especially since electrical work tends to be more expensive than other services. Coverage caps act as reverse deductibles, limiting how much money the warranty company will pay before you have to pay out of pocket. If any repair or replacement related to your electrical system totals more than your service contract’s coverage cap, you’ll be responsible for the difference.
Some plans also have total annual limits in addition to per-item caps. For example, a per-item cap of $1,000 for your electrical system means that your provider will pay no more than that for any repairs or replacements needed within the year. A total annual limit of $5,000 means that if any other items that need replacement or repair total more than $5,000 — even if they had nothing to do with your electrical components — then your provider will no longer issue coverage that year for your electrical system.
Being aware of all of the coverage limits and exclusions is crucial if you want to avoid unexpected fees associated with the service calls you make.
The best home warranty for electrical systems is provided by Choice Home Warranty. All of Choice Home Warranty’s plans include electrical system coverage at an affordable price. The company has an excellent track record of providing outstanding customer service and superlative workmanship, making them one of the best values in the home warranty industry.
The company also sets the standard for transparency in the home warranty space by posting sample contracts on its website, so you can review real contracts before you commit and see what kind of electrical coverage they provide.
In general, the best home warranty for electrical systems includes coverage for wiring, switches/switch boxes, circuit breakers, and panels, along with coverage for electrical components of major home appliances like electric motors and fans.
The average cost of an electrical system home warranty is between $40 and $60 per month. Many companies include electrical system coverage in the standard plan, although some bundle it as part of a systems-only package.
If you only want electrical system coverage, consider companies that offer it as part of the base plan since that will be the most cost-effective option. However, choosing a more comprehensive plan may be more beneficial overall, especially if electrical protection is only part of your concern.
Luckily, electrical system protection is offered by every home warranty company, so you have options. Select Home Warranty offers the most affordable electrical system home warranties without sacrificing quality.
Technically, no, but that doesn’t mean it’s not a good idea. Without a home warranty, you’re personally responsible for covering all electrical repairs out of your own pocket. That might not sound like a big deal if you haven’t had any electrical issues recently, but when you inevitably run into problems, you’ll be on the hook for some hefty service bills.
An electrical system warranty can easily pay for itself, especially if you live in an older home with original wiring. As components fail over time, you’ll start to encounter more electrical breakdowns that need fixing more or less immediately. Electrical repairs have a way of being significantly more involved than they seem at first, and a home warranty that covers them can bail you out when things go wrong.
Home warranties are designed to supplement your home insurance by providing coverage for major appliances and systems. Every home warranty company will cover appliances like refrigerators, ovens, ranges, air conditioners, microwaves, dishwashers, clothes washers, and driers.
They also provide coverage for home systems like electrical, plumbing, and heating. Some companies also offer packages for HVAC ductwork, and other more expensive items, like pools, spas, sprinkler systems, and septic systems.
Home warranties for electrical systems usually cover all electrical components within the confines of your main living area. That means they help you pay for any work done on wiring, panels, switches, and circuit breakers inside the perimeter of your foundation. External electrical components like sheds and garages with electricity and pool filters are often not covered.
All home warranties work in the same fundamental way. The idea is that you pay the home warranty company a monthly fee for coverage in exchange for coverage for damage to your home’s major appliances and systems. When you need to have work done, the home warranty company sets up the service appointment for you, making it easy to get fast, reliable service from skilled technicians.
After the service is tendered, you only have to pay the home warranty’s service fee, as long as you haven’t already exceeded the company’s coverage caps for the item being serviced. Home warranty companies only cover repairs and replacements up to a certain amount on a per item basis, but these limits are usually significantly higher than most people can expect to pay. In the event that you need more work than is covered by your home warranty, the warranty will most likely already have saved you several thousand dollars.
Most companies bundle coverage into tiers, with some splitting appliance coverage and system coverage into separate packages and others dividing coverage based on how expensive the covered item is to repair or replace. Whether you need an appliances plan alongside your electrical systems plan is a matter of taste.
Home warranties that cover electrical systems are excellent for protecting yourself from exorbitant repair bills. Reputable electricians don’t come cheap, and replacing your home’s electrical infrastructure can take a substantial chunk out of your emergency savings if you have to pay for it yourself. A solid home warranty makes it easy to get the necessary work done without breaking the bank, so you can sleep easy at night knowing your electrical system will continue to work safely.
Choice Home Warranty offers the best home warranty for electrical systems and is our number one pick. The company offers affordable plans that don’t skimp on coverage and come with high limits and low service fees. The company also has an outstanding reputation for providing top-notch customer service and has excellent reviews.
If you’re looking for a company with plans even more affordable than Choice Home Warranty, Select Home Warranty has what you need. The company offers solid coverage with reasonable limits for outrageously low prices. It also has some of the lowest service fees in the home warranty industry, making it a great option if you anticipate needing many service visits.
At House Method, transparency and trust are our most important values for the reader.
To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.
Here is a quick breakdown of our five core scoring categories:
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