When one of your systems or appliances breaks down, a home warranty will help you cover the costs. A home warranty plan can give homeowners the peace of mind they need to feel less overwhelmed by homeownership.
Homeownership in Clay can be a gratifying stage for many, but it also comes with its fair share of worries. Home repairs can be an unanticipated financial burden for many homeowners.
Because the home warranty market is saturated with a variety of providers — all with different plans — the House Method team did the research for you to help you find the best home warranty in Clay.
After researching the basics of home warranties in Clay, your next step is to figure out which company you want to get a free quote from. When figuring out which home warranty company is the right one for you, here are some important factors to take into account:
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
In Clay, Choice Home Warranty is the best overall home warranty. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process and policy coverage easily understandable.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice's plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
For more information on this provider, read our thorough review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
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
Select Home Warranty offers the most cost-effective home warranty in Clay. The 3 plans from Select are easily comprehensible and offer both system and appliance coverage. When you buy a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are a reasonable $60.
Read our thorough review of Select Home Warranty to learn more. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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
American Home Shield is the most customizable home warranty in Clay. AHS has over 25 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The 3 plans from AHS are easy to understand and offer a mix of both system and appliance coverage. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To read more, visit our review of American Home Shield. To get a free quote from American Home Shield, 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 Clay, The Home Service Club is the best home warranty with the quickest service. HSC has more than 14 years of industry experience and in that time has built a a skilled network of service professionals nationwide. When you buy a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process quick and easy.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are around the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our detailed review of The Home Service Club.
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
In Clay, Liberty Home Guard offers the most trustworthy home warranty. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 home warranty plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
Liberty Home Guard offers 3 plans for Clay homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000 at the maximum.
Read our review of Liberty Home Guard to learn more. To get a free quote from Liberty Home Guard, you can fill out this online form or call 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 offers the best home warranty for appliance coverage in Clay. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, it 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 home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500 at the maximum.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read more by visiting our review of First American Home Warranty.
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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Clay. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Clay area.
Read our review of Cinch Home Services to learn more. To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
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 Clay
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they break down over time due to normal wear and tear. Having one in place can provide some peace of mind and protect your bank account from big out-of-pocket costs. Most home warranty plans start about 30 days after buying the home warranty policy.
Filing a claim with your home warranty company is simple. You can use either an online portal or a direct phone number to file your claim with your home warranty company. At this point, you will pay your service fee. Service fees for home warranty customers range in price from $60 to $150. Most home warranty plans also have a coverage limit, which is the maximum cost per year that the home warranty company will cover for repairs and replacements.
A home warranty plan will cover systems and appliances that have stopped working from normal wear and tear. For instance, if your dishwasher suddenly stops working under normal use conditions, you can call your home warranty company. Typical appliances covered by a home warranty plan include a dishwasher, garbage disposal, dryer, refrigerator, washer, microwave, and more. The systems that are most commonly covered will be hot water heaters, plumbing systems, heating systems, air conditioners, and electrical systems. Add-on coverage will vary from one plan to another, but you can expect to see add-ons such as central vacuums, sump pumps, pools, spas, electronics, and roof leaks.
A home warranty will only cover normal wear and tear on your home systems and appliances. Things such as misuse, cosmetic damages, pre-existing conditions, and lack of maintenance are not included in the home warranty policy.
Clay is known for its hot summers, and if you live in Clay, you know that those summers can be scorching. 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 the repairs and prevent you from spending out-of-pocket expenses.
In addition, though it varies by company, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your home more attractive to potential home buyers and maybe even make your home sell faster.
There are also some downsides to buying a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered by a manufacturer's warranty. Another drawback is that home warranties may not include some repairs, such as those due to natural disasters. For example, if your house floods, the systems and appliances that were affected most likely won't be covered by the home warranty.
It's not always easy to budget for the unexpected expenses that can come with owning a home, but a home warranty can help you with that. Like any other warranty or insurance policy, there will always be benefits and drawbacks of purchasing one but its main purpose is to provide protection and peace of mind.
A home warranty in Clay can save you a lot of money and offer you peace of mind when it comes to pricey home repairs and replacements. Choice Home Warranty is the best overall home warranty provider in Clay. It offers comprehensive coverage at an affordable premium. However, other companies reviewed above are also great choices for Clay residents.
The best overall home warranty company in Clay is Choice Home Warranty but the best company for you will vary based on factors such as what appliances and systems you need to have covered.
Home buyers, home sellers, homeowners, landlords, and real estate agents can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save homeowners money in the long run.
Usually coverage for a home warranty policy begins 30 days after the payment receipt. However, a few providers may let you make a service request before this, so verify with customer service to find the exact waiting period for your situation.
The systems and appliances in a home are covered under a home warranty policy in Clay. Everything from a fridge to a garage door can be covered under a home warranty.
A service fee is an expense that you pay before a service technician or contractor comes to your home to repair your home warranty-related issue. Prices typically range between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty apart from the monthly premium/annual cost.
A Clay home warranty can cost between $40 and $80 a month. Higher-priced plans usually have higher coverage limits, more coverage, and a lower service fee.
