A home warranty can give you the peace of mind you need about your home and guard your bank account from large expenses by covering your home's major systems and appliances.
There are many perks of homeownership in Loveland. But, major home systems and appliances, like your plumbing and kitchen appliances, can break down due to normal wear and tear, leaving you with expensive repairs.
Although a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the perfect choice for your Loveland home. That's why we've done the research and have compiled a list of the best home warranty companies in Loveland.
When you're ready to buy a home warranty, the first step is deciding what appliances and systems you need coverage for. From there, you can compare plans and contact different home warranty companies to get a free quote. Here is a list of factors that you'll want to take into consideration when selecting 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
Choice Home Warranty is the best overall home warranty for Loveland residents. Choice has 2 simple plans, making the selection process easy. 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 provide a combination of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. 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. Read our full review of Choice Home Warranty to learn more.
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 Loveland, Select Home Warranty offers the most cost-effective home warranty. Select has 3 simple plans, making the selection process and policy coverage easily understandable. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000 at the maximum.
Read our thorough review of Select Home Warranty to learn more. To get 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 Loveland. 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. AHS has 3 plans for you to choose from. 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. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 per covered appliance or system.
For more information, read our detailed review of American Home Shield. To receive 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 Loveland, The Home Service Club offers the best home warranty with the quickest service. HSC has been in business for more than 14 years, making it a well-respected company in the industry. 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 2 policies that HSC has include differing levels of system and appliance coverage, as well as add-on options.
The Home Service Club offers 2 plans for Loveland homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Loveland area.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our detailed review of The Home Service Club 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
Liberty Home Guard offers the most trustworthy home warranty in Loveland. The 3 plans from Liberty are easy to understand and have a mix of both system and appliance 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 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty's service fees are an affordable $75, and the coverage limits come out to about $3,000 per covered system or appliance.
For a more detailed breakdown, read our full review of Liberty Home Guard. 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
In Loveland, First American Home Warranty offers the best home warranty for appliance coverage. The 2 plans from First American are easy to understand and offer 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.
First American Home Warranty offers 2 plans for Loveland homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $85.
To receive 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Loveland residents. Cinch has 3 plans for you to decide between. 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.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$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 customizable and range from $75 to $150.
Read more by visiting our full review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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 Loveland
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they stop working over time due to normal wear and tear. Having a home warranty in place can offer you some peace of mind and prevent you from paying unexpected out-of-pocket costs. Most home warranty plans take effect about 30 days after purchasing the home warranty plan.
Filing a claim with your home warranty company is quite simple. There will be either an online portal or a direct phone number to file your claim with your home warranty company. Once you submit the claim, it will be assigned to a local repair technician that will come to your home and take a look at the issue. At this point, you pay your service fee. Service fees usually range in price from around $60 to $150 and this is the only out-of-pocket expense you will have to pay unless the repair cost is higher than your home warranty's coverage cap.
A home warranty in Loveland typically covers the main systems and appliances in the house. Typical appliances covered under a home warranty include a microwave, garbage disposal, dryer, washer, refrigerator, dishwasher, and more. The systems that are most commonly covered will be hot water heaters, heating systems, plumbing systems, air conditioners, and electrical systems. Add-on options can vary from one plan to another but typically include things like a second refrigerator, plumbing stoppages, sprinkler system, septic system, and central vacuum.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and follow preventative maintenance guidelines, the home warranty will not cover it. Things such as pre-existing conditions, lack of maintenance, cosmetic damages, and misuse are not covered by a home warranty policy.
Home warranties are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Loveland reaching upward of 51 degrees in the summer, you may find that certain appliances, such as your air conditioner, get a lot of use. A home warranty can significantly bring down your out-of-pocket costs should your HVAC system stop working.
Plus, though it varies by company, some providers will let you transfer your warranty in the event that you sell your home. This can make your house more attractive to potential home buyers and maybe even make your home sell faster.
As for the drawbacks of home warranties, home system and appliance coverage varies by provider so it's important to read what each policy covers and doesn't include in the contract. Additionally, if you don't maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty can be the solution to some of a homeowner's maintenance worries, but in the end, it's up to you to decide if investing in one is a good choice for you and your family. Be sure to do your research and read over any home warranty contracts that you're seriously considering purchasing to understand what repairs will and will not be covered under your contract.
A home warranty in Loveland can save you a lot of money and offer you peace of mind when it comes to expensive home repairs and replacements. The best provider in Loveland is Choice Home Warranty. Its comprehensive coverage, affordable pricing, and easy to understand plans make it a great home warranty for Loveland homeowners.
The best home warranty provider in Loveland is Choice Home Warranty. Choice Home Warranty has a large network of experienced service technicians and a great reputation in the Loveland area.
A home warranty covers the normal wear of home systems and appliances. A homeowners insurance plan protects your entire home in case of something such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim if you need a new refrigerator or stove, unless the damage is due to a natural disaster.
First-time home buyers, homeowners, home sellers, landlords, and real estate agents are all eligible for home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save homeowners money in the long run.
Most home warranty policies have a 30-day waiting period before you can file claims, but some may let you file sooner so be sure to check with the company about this.
A service fee is an expense that must be paid before a repair person or contractor comes to your home to fix 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 have with a home warranty in place except for the monthly premium/annual cost.
A home warranty policy can cost on average anywhere from about $300 to $800 a year in Loveland. Our top-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. In addition, it's usually less expensive to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best value is.
