Updated Jan 10, 2023
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A home warranty is important for your home because it protects your major home systems and appliances. If something in your home breaks down or fails, the surprise repair or replacement costs are covered by your policy. In the end, a home warranty can save you hundreds to thousands of dollars in unexpected expenses.
But some home warranty policies also charge a deductible or an extra fee for any service your home needs. Granted, the deductible is almost sometimes less than a repair, but most homeowners prefer to have no deductible. This is where a home warranty with no deductible comes into play. A home warranty without a deductible is an annual service contract that covers the repair, maintenance, or replacement of your major home systems and appliances that fail from normal wear and tear.
Why Trust House Method
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.
While most home warranty companies have deductibles (also known as service fees or service call fees), it can be challenging to find ones without them. So, to help you find the best home warranties without deductibles, we researched all the top brands. These home warranty companies without deductibles are fully vetted and have great coverage for homes.
With most home warranty companies, you pay a monthly charge and a small service fee for any repair or replacement covered by the policy. However, some home warranty companies charge a deductible on top of this. A deductible is a minimum charge you pay for any service call. For example, several home warranty companies have service fees ranging from $50-$125.
Even though most home warranty policies have service fees/deductibles, a few do not. If you’d rather avoid unexpected repair/replacement expenses altogether, it is a good choice to get a home warranty policy without one. The top home warranty companies without deductibles have fair pricing, comprehensive coverage, and great customer support.
To help you determine which home warranty company without a deductible is the best fit for your home, we evaluated them all and made this top three list.
HomeServe USA (HS USA) is our top choice for a home warranty company without a deductible because of its affordable plans, good customer service, and fast warranty repairs. It has several budget plans for plumbing, electrical, heating and cooling, and some combination plans.
HS USA has over 15 years of experience in the industry, with many customers saying good things about the company. On Trustpilot, HS USA has good ratings and it holds an A+ rating on the Better Business Bureau (BBB). Besides having no deductibles, it provides 24/7 service for claims and emergencies.
Many homeowners, realtors, and real estate investors choose HomeServe USA because they are easy to work with, filing a claim is simple, they’re low cost, don’t have a deductible, and have high payout limits of $10,000 per term.
HS USA’s home warranty plans are available to homeowners in all states besides WA.
HS USA has several home warranty policies. However, they don’t cover appliances. So keep that in mind. Here is just a snapshot of their combination plans. To view all plans, see our review.
For a free home warranty quote from HomeServe USA, dial 833-956-2336 or fill in this online form.
To learn even more about its home warranty policies, read our full HomeServe USA review.
Home Warranty Inc (HWI) is another great home warranty company without deductibles. It has comprehensive coverage, with three levels of coverage plans to choose from. But only one of its home protection plans has no service call fees. Along with its various plans, HWI has plenty of optional add-ons, too, allowing homeowners to customize their coverage.
Compared to the majority of other home warranty companies, Home Warranty Inc is cost-effective with the most comprehensive coverage. Many homeowners have positive experiences with HWI, as its online ratings show. On the Better Business Bureau, it holds a good A rating with several good reviews.
HWI plans are available to homeowners in 30 U.S. states. For a full list of covered states, see our review here. Keep in mind that Home Warranty Inc’s plan may seem on the more expensive side, but they typically have larger coverage caps.
HWI has three warranty plans (none of which has a deductible):
To get a home warranty quote from HWI, fill in this form or call them at 888-370-3953.
For more details about the company and its home warranty plans, please read our complete Home Warranty Inc review.
Complete Protection (CP) is another top choice for home warranties with no deductibles. The company has four plans with comprehensive coverage and no service fees. It also has several optional add-ons for additional coverage, allowing homeowners to customize their plans.
CP has millions of customers and over 20 years in business. And, in its long history, the large majority of its customers have had positive experiences. The company has a great average rating on Trustpilot and a rare A+ rating on the Better Business Bureau (BBB). Most homeowners like CP because of its excellent service, high coverage caps, and broad coverage.
Complete Protection covers more items on average than other home warranty providers.
Complete Protection four levels of home warranty plans:
For a free Complete Protection home warranty quote, fill in their form or call 800-978-2021.
For more details on Complete Protection’s coverage, read our full review.
A home warranty with no deductible is a service contract that helps cover the cost of repairing or replacing major appliances and systems in your home. The best home warranty companies with no deductibles offer comprehensive coverage at an affordable price, with little to no out-of-pocket costs for the homeowner.
When you have no deductible, you never pay anything when a technician comes to your home for a covered repair or replacement – no matter the cost of the repair.
Homeowners with an older home or appliances may find a home warranty with no deductible to be especially beneficial. Newer homes and appliances still benefit from a home warranty, which can help offset the cost of repairs or replacements.
Additionally, homeowners who want to avoid large repair bills and have peace of mind knowing their home is covered in case of an unforeseen breakdown may also find a home warranty with no deductible or service fee to be a good fit.
The best home warranty companies with no deductibles offer comprehensive coverage for both appliances and systems in your home. This usually includes but is not limited to:
Some home warranty companies with no deductibles also offer optional add-ons for items like pools, spas, lawn sprinklers, second refrigerators, and more. However, the covered appliances and home systems vary between providers and plans – so check with the home warranty company to determine exactly what is and is not covered.
The best home warranty companies with no deductibles have plans that start at around $30 to $100 per month. The price of your plan will depend on the level of plan you choose, the number of covered appliances in your home, where you live, and the home warranty company.
To get an accurate quote for a home warranty with no deductible, contact a few different providers and compare prices, coverage caps, and covered systems and appliances. Be sure to ask about any discounts or promotions that may be available.
If one of your covered appliances or home systems breaks down, simply contact your home warranty company and open a claim. The home warranty service provider will then send a technician to assess the issue and determine if it can be repaired or if the item needs to be replaced.
If the technician determines that the item needs to be repaired, they will do so on-site. If they determine that the item needs to be replaced, they will order the replacement and schedule a time to install it. In most cases, you won’t have to pay anything out-of-pocket – as long as you stay within your coverage caps.
Here is how the home warranty policy works step-by-step.
The first step is to contact one of the best home warranty companies to start a policy with no service fee (deductible). You can visit the home warranty company’s website or call them.
Once you have selected the best home warranty company for your needs, you will need to choose a plan and coverage limits. Be sure to read the fine print to know exactly what is and is not covered under your policy.
After you purchase the policy, you will have a waiting period of 10-30 days (depending on the provider) before you can file a claim on a home system or appliance. Home warranties don’t cover any pre-existing conditions.
Your next step in your home warranty journey is waiting for a potential issue with a home system or appliance. Of course, no homeowner wants something in their home to break down. But, failures happen. That’s why home warranty policies are essential.
If a covered item breaks down during the coverage period, simply contact your home warranty company to open a claim. The best home warranty companies have 24/7 customer support, so you can reach them anytime – day or night.
Once you open a claim, the home warranty company will send a technician to assess the issue and determine if it can be repaired or if the item needs to be replaced.
If the technician determines that the item needs to be repaired, they will do so on-site.
It’s important to be aware of your policy limits and coverage caps. Some home warranty policies have a limit on the number of claims you can file per year and/or a cap on how much they will pay out per claim.
For example, some home warranty policies will only cover $500 per appliance or system, while others may cover up to $1,500. Be sure to ask about these limits when comparing home warranty policies to know exactly what you’re getting.
A home warranty with no deductible can be a great way to protect your finances in case of a covered appliance or system breakdown. Be sure to compare different providers and coverage limits to find the best policy for your needs.
Home warranty policies with no deductible typically cover the same things as policies with a deductible. However, there may be some differences in coverage limits and service fees. Keep in mind that all home warranty policies have certain exclusions. You can always choose a more comprehensive plan without a deductible too. Be sure to read the fine print before you purchase a policy.
Home warranty coverage with no deductible typically costs the same as policies with a deductible. However, there may be some differences in coverage limits. Be sure to read the fine print before you purchase a policy.
A home warranty offers coverage for the repair or replacement of major home systems and appliances. This can include your dishwasher, refrigerator, furnace, air conditioner, electrical system, garage door openers, plumbing, and more.
A deductible or service fee is an out-of-pocket amount you would have to pay each time your home warranty company sends a technician to repair an appliance or system in your home.
If you’d like to avoid paying for service visits, you need to get a home warranty policy with no deductible.
If you are a homeowner or will be purchasing a new home soon, a home warranty policy with no deductible can help prevent unexpected expenses and stress in the event of an unforeseen appliance or home system breakdown. Their monthly premiums are almost always much less than the price of a single covered repair, making them an excellent value for budget-minded homeowners.
Be sure to compare the three home warranty providers and plan options we recommended and review the coverage limits before you purchase a policy, as not all policies are created equal. Remember – always read the fine print.
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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