When one of your systems or appliances stops working, a home warranty will help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less anxious about homeownership.
Homeownership in Decatur has quite a few benefits, but it also does not come without its difficulties. Your home's appliances and systems will inevitably need repair and this could mean a large expense hitting your bank account suddenly.
Finding the best home warranties on the market can be challenging because of the sheer number of options out there. If you are overwhelmed by trying to compare the different options, keep reading for our guide on the best home warranty providers in Decatur.
After looking into home warranties in Decatur, your next step is to decide which company you'd like to receive a free quote from. Below is a list of factors that you'll want to bear in mind when picking a home warranty provider:
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 Decatur, Choice Home Warranty offers 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. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 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 an affordable $85.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty full review.
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 Decatur, Select Home Warranty offers the most cost-effective home warranty. The 3 home warranty plans that Select has include options for appliance and system coverage. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you'll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that offer a combination of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000 at the maximum.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For a more detailed breakdown, read our full review of Select Home Warranty.
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 Decatur, American Home Shield is the most customizable home warranty. AHS is a home warranty company with 25 years of experience in the industry, and it has established itself as one of the best providers in the business. AHS offers 3 plans for homeowners to decide between. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also 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 associated with AHS's plans are around the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our review of American Home Shield to learn more.
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 Decatur, The Home Service Club offers the best home warranty with the quickest service. HSC has more than 14 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options. When you purchase a home warranty 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.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC 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 company. 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. Read our The Home Service Club Review to learn more.
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 Decatur, Liberty Home Guard offers the most trustworthy home warranty. The 3 home warranty plans that Liberty has include options for appliance and system coverage. With a home warranty from Liberty, you can enjoy 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 plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For a more detailed breakdown, read our review of Liberty Home Guard.
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
In Decatur, First American Home Warranty is the best home warranty for appliance coverage. The 2 plans from First American are easy to comprehend and offer both system and appliance coverage. 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.
There are 2 home warranty plans from First American Home Warranty: 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 be sure to check with the provider. Service fees are a reasonable $85.
Read our review of First American Home Warranty to learn more. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
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 Decatur, Cinch Home Services offers the home warranty with the best workmanship guarantee. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. When you purchase a home warranty from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch's service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 per covered system or appliance.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read our comprehensive 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 Decatur
A home warranty is a protection plan that helps homeowners account for the high costs of appliance and systems repairs. Home warranties will provide coverage for a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. Having a home warranty in place can make it easier to budget and manage your finances. Home warranty plans usually have a thirty-day waiting period from the time you purchase to the time they start.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty company. Most companies have an online portal system to help you do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. Once you submit the claim, it will be assigned to a local repair person that will come to your home and assess the issue. At this point, you pay the service fee. Service fees generally range in price from about $60 to $150 and this is the only out-of-pocket cost you will have to pay unless the repair cost is more than your home warranty's coverage cap.
Home warranty plans help protect your home systems and appliances. A home warranty can cover repairs and replacements that are a result of normal wear . Typical appliances covered under a home warranty plan include a washer, microwave, garbage disposal, refrigerator, dryer, dishwasher, and more. The systems that are most commonly covered will be heating systems, plumbing systems, hot water heaters, air conditioners, and electrical systems. Add-on coverage will vary from plan to plan, but you can expect to see things such as pools, sump pumps, electronics, central vacuums, spas, and roof leaks.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things like pre-existing conditions, lack of maintenance, misuse, and cosmetic damages are excluded from the home warranty policy.
Decatur is known for its hot summers, and if you live in Decatur, you know that those summers can be rough. During the summer months, your air conditioner can be overloaded in its effort to combat the heat. If your air conditioner did break down, a home warranty can cover repairs and prevent you from spending out-of-pocket expenses.
Additionally, having a Decatur home warranty can help make your house more appealing to potential home buyers should you ever decide to sell in the future. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you've been getting.
There are also some negatives to purchasing a home warranty plan, such as the coverage exclusions. For instance, home warranties may not cover home systems or appliances that are already covered by a manufacturer's warranty. Additionally, if you don't maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
It can be challenging to budget for the unexpected expenses that can come with owning a home, but a home warranty can help with that. Similar to any other warranty or insurance policy, there will always be advantages and disadvantages of buying one but its main purpose is to offer you protection and peace of mind.
We hope you now feel confident that you can choose a home warranty in Decatur after going through our reviews. The best provider in Decatur is Choice Home Warranty. Its comprehensive coverage, affordable pricing, and ease of use make it a great home warranty for Decatur homeowners.
The best home warranty provider in Decatur is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced service technicians and a great reputation in the Decatur area.
A home warranty is a kind of service contract that covers repairing and replacing your major home system components and appliances.
Home warranties cover problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a different insurance that protects your entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system damage.
A home warranty will cover repair and replacement costs for home systems and appliances. 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.
Most home warranty plans will cover replacement costs in addition to repair costs. How much the home warranty will cover varies from one plan to the next. Your home warranty will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A service fee is a cost that you must pay before a service technician or contractor comes to your home to fix your home warranty-related problem. 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 have with a home warranty in place apart from the policy's premium.
