A home warranty is a way to protect your bank account from unexpected large expenses. With a home warranty in place, your repair costs can be remarkably lower and give you some peace of mind.
Bay Minette gives homeowners some great housing options. However, unexpected repair and replacement costs on your home's systems and appliances can get quite expensive.
Even though a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the best choice for your Bay Minette home. That's why we've done the research and have made a guide of the best home warranty plans in Bay Minette.
Determining the best provider for your home warranty is a step you could take to protect your home. Before deciding which home warranty to purchase, here are a few additional factors to consider:
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in Washington
Choice Home Warranty offers the best overall home warranty for Bay Minette residents. Choice offers 2 plans for you to choose from. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Bay Minette area.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting our review of Choice Home Warranty.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Bay Minette, Select Home Warranty is the most cost-effective home warranty. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 plans for you to decide between.
Select Home Warranty has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with Select's plans are around the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
To read more, visit our Select Home Warranty Review. To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in Alaska
In Bay Minette, American Home Shield is the most customizable home warranty. AHS is a home warranty provider with 25 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 plans that AHS offers include options for appliance and system coverage. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, you'll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Bay Minette area.
Read more by visiting our review of American Home Shield. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the Better Business Bureau (BBB)
Only 2 plan options
In Bay Minette, The Home Service Club offers the best home warranty with the quickest service. HSC is a home warranty company with 14 years of experience in the industry, and it has established itself as one of the best providers in the business. The 2 plans from HSC are easily comprehensible and offer a mix of both system and appliance coverage. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 for each covered system or appliance.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read more by visiting our The Home Service Club full review.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for Bay Minette residents. When you purchase a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Bay Minette area.
Read our review of Liberty Home Guard to learn more. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage in Bay Minette. The 2 plans from First American are easy to understand and offer a mix of both system and appliance coverage. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $85.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read more by visiting our First American Home Warranty Review.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska
In Bay Minette, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has 3 plans for homeowners to choose from. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Bay Minette homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our review of Cinch Home Services.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Bay Minette
A home warranty is a home protection plan that can bring down the cost of on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Bay Minette home comfortable and convenient. When these things need repairs, it can be expensive and a hassle. Luckily, with a home warranty plan, an affordable repair is just a phone call away.
For Bay Minette homeowners, when a problem happens with a covered appliance or system, it is very straightforward to file a claim. Most home warranty companies have an online portal where a claim can be submitted. At this point, you will pay the service fee, which is typically between $60 and $150 depending on what plan you opt for. After the service fee is paid, a service technician will come to your home, assess the issue, and repair it. As long as the repair is covered under the warranty and the coverage cap is not reached, most homeowners will not have any other out-of-pocket costs apart from the service fee.
A home warranty plan will cover systems and appliances that have stopped working from normal wear and tear. For instance, if your refrigerator suddenly stops working under normal use conditions, this is a perfect time to call your home warranty provider. Typical appliances covered under a home warranty include a microwave, garbage disposal, dryer, dishwasher, refrigerator, washer, and more. The systems that are most commonly covered will be heating systems, electrical systems, air conditioners, hot water heaters, and plumbing systems. The add-on coverages can include pool, roof leak, spa, septic system, and sometimes even things like locksmith or pest control.
A home warranty will only cover normal wear and tear on your home systems and appliances. Things like pre-existing conditions, misuse, lack of maintenance, and cosmetic damages are excluded from the home warranty policy.
Bay Minette is known for its hot summers, and if you live in Bay Minette, you know that those summers can be brutal. During the summer months, your air conditioner can be overworked in its effort to combat the heat. In the event that your air conditioner did stop working, a home warranty can cover repairs and prevent you from spending out-of-pocket expenses.
Plus, having a Bay Minette home warranty can make your house more attractive to potential home buyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your policy to a new owner and give them the same protection you've been getting.
There are also some negatives to getting a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty. Another pain point of home warranties is that they don't cover systems or appliances that have been improperly maintained. This can lead to your claims being rejected, so it's important to carefully follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Owning a home is a big responsibility that can be costly, but rewarding. A home warranty is one thing that can help ease the costs of home maintenance, but whether or not it's worth it for you is something you'll have to consider before taking the leap and purchasing a policy.
Hopefully, you now feel confident that you can choose a home warranty company in Bay Minette after going through our guide. All of these top companies have impressive experience in the industry and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. It offers comprehensive coverage of all the essential home systems and appliances at an affordable cost with several add-on options.
The best overall home warranty company in Bay Minette is Choice Home Warranty but the perfect company for you will vary based on factors such as what appliances and systems you need to have covered.
A home warranty is a kind of service contract that provides homeowners extra coverage for their household systems and appliances. These include washing machines, dishwashers, garbage disposals, dryers, refrigerators, water heaters, sump pumps, heating and cooling systems, plumbing, and electrical systems, among others. Some policies also offer coverage for pools, roofs, ceiling fans, and garage door openers. A home warranty can help you save money if these appliances and systems fail unexpectedly.
Most home warranties have a 30-day waiting period before you can make service requests, but some may allow you to file sooner so make sure you check with the company about this.
A home warranty plan will cover repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and often don't cover something that happened as a result of a pre-existing condition.
A service fee is a cost that must be paid before a repair technician or contractor comes to your home to repair your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners have with a home warranty in place apart from the monthly premium/annual cost.
A home warranty can cost on average around $300 to $800 a year in Bay Minette. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best value is.
