A home warranty is a way to protect your budget from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
Palmetto Bay gives homeowners some beautiful housing options. However, sudden repair and replacement costs on your home's systems and appliances can get quite costly.
Since the home warranty market has a lot of providers — all with different coverage — our team at House Method decided to do the research for you to help you find the right home warranty in Palmetto Bay.
Picking the best home warranty in Palmetto Bay for your family comes down to the coverage you need, the home warranty company you opt for, and where you live, among other factors. Policies can vary, so consider the following factors when deciding on a home warranty company:
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 Palmetto Bay residents. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. 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 Home Warranty offers 2 plans for Palmetto Bay homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Choice's plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information, read 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
Select Home Warranty offers the most cost-effective home warranty for Palmetto Bay residents. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a plan 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.
Select Home Warranty has 3 plans that offer a mix of appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000 at the maximum.
Read more by visiting our thorough review of Select Home Warranty. To receive a free quote from Select Home Warranty, 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 Palmetto Bay, American Home Shield is the most customizable home warranty. AHS has been operating for more than 25 years, making it a highly regarded company in the industry. The 3 plans from AHS are easy to comprehend and offer a mix of both system and appliance coverage. With a home warranty from AHS, you can enjoy 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.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500 at the maximum.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read more by visiting our review of American Home Shield.
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
The Home Service Club is the best home warranty with the quickest service for Palmetto Bay residents. HSC has been in the home warranty business for about 14 years. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it 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 Home Service Club offers 2 plans for Palmetto Bay homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $65 to $90.
Read more by visiting our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
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 Palmetto Bay, Liberty Home Guard is the most trustworthy home warranty. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also 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.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit our Liberty Home Guard full review.
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 Palmetto Bay, First American Home Warranty is the best home warranty for appliance coverage. The 2 home warranty plans that First American offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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.
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 some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $85.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. To read more, visit 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 for Palmetto Bay residents. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options.
Cinch Home Services offers 3 plans for Palmetto Bay homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Palmetto Bay area.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read our detailed 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 Palmetto Bay
A home warranty is a protection plan that lowers the cost of repairs when one of your home systems or appliances experiences an issue. A home warranty can help homeowners who need to keep a budget in place and don't have the savings to pay for large repair or replacement expenses. Typically about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
When you have a system or appliance that has an issue, you file a claim with your home warranty provider. You can do so in an online portal or by telephone, and then a technician will come and fix the problem. 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 cap, which is the maximum amount per year or appliance that the home warranty plan will cover for repairs and replacements.
A home warranty in Palmetto Bay typically covers the main systems and appliances in your home. Appliances covered under a home warranty plan are typically the dryer, refrigerator, microwave, garbage disposal, dishwasher, and more. Systems that are covered usually include air conditioners, plumbing systems, water heaters, heating systems, and electrical systems. Add-on options can vary by plan but often include things such as a sprinkler system, central vacuum, second refrigerator, septic system, and plumbing stoppages.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your home and maintain them properly, your home warranty will not cover it. Things like misuse, cosmetic damages, pre-existing conditions, and lack of maintenance are not included in a home warranty policy.
Home warranty plans are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Palmetto Bay reaching upward of 82 degrees in the summer, you may find that certain appliances, such as your air conditioning unit, get a lot of use. A home warranty can considerably decrease your out-of-pocket expenses should your HVAC system break down.
A home warranty can also give value in other ways. For example, some plans can be transferred to another owner during a home sale.
One downside of signing up for a home warranty is that there are usually exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it's important to read over any contracts you're considering carefully to understand what is included and what isn't. Another thing to take into consideration is that some companies don't cover pre-existing damage and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about it if you need more information or if this is a problem for you.
Whether or not a home warranty is worth it ultimately comes down to your personal situation. Similar to any other sort of insurance policy or warranty, its purpose is to provide you some peace of mind, so you will have to be the judge of how much that is worth to you.
A home warranty in Palmetto Bay can save you thousands of dollars and give you peace of mind when it comes to costly home repairs and replacements. The best provider in Palmetto Bay is Choice Home Warranty. It offers great coverage at an affordable monthly or annual cost. However, other home warranties reviewed above also give great coverage choices for Palmetto Bay residents.
Our pick for the best overall home warranty in Palmetto Bay is Choice Home Warranty but the best company for you will depend on factors such as what appliances and systems you need coverage for.
A home warranty covers the normal wear and tear of systems and appliances in a home. Homeowners insurance protects a home in case of something like a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim if you need a new dryer or dishwasher, unless the damage is due to a natural disaster.
First-time home buyers, home sellers, real estate agents, landlords, and homeowners can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save homeowners money in the long run.
Usually coverage for a home warranty begins 30 days on the day the sale closes. However, a few companies may let you make a service request before this, so verify with customer service to find the exact waiting period for your situation.
A home warranty can cost on average around $300 to $800 a year in Palmetto Bay. 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 often cheaper 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.
Owning a home can be costly. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty policy, you won't have any large hits to your bank account just to keep your home up and running.
