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 remarkably lower and give you some peace of mind.
Homeownership in Panama City can be an exciting stage in many people's lives, but it also comes with its fair share of headaches. Home repairs can be an unanticipated financial burden for many homeowners.
Finding the right home protection plan for your Panama City home can be hard, so our team at House Method did the research for you to help you find the best home warranty in Panama City. Read on for our home warranty recommendations and find out which plan works best for your home.
Finding the best provider for your home warranty is the first step toward protecting your property. Here is a list of factors that you'll want to take into account when choosing 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 Panama City residents. Choice is a home warranty company with 14 years of experience in the industry, and it has proved to be one of the best providers in the business. The 2 plans from Choice are comprehensive and offer both system and appliance coverage. 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 combination of system and appliance coverage. Choice's service fees are an affordable $85, and the coverage limits come out to about $3,000 per covered appliance or system.
For more information on this provider, read our full review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 is the most cost-effective home warranty in Panama City. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options. 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Panama City area.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our review of Select Home Warranty to learn more.
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 Panama City, American Home Shield is the most customizable home warranty. AHS has been on the market for over 25 years, making it a respected company in the industry. The 3 home warranty plans that AHS offers include options for appliance and system coverage. When you buy a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield 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 has coverage caps of around $2,500 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 $75 to $125.
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
The Home Service Club offers the best home warranty with the quickest service for Panama City residents. HSC has been in the home warranty business for around 14 years. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options. When you buy 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 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. 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 company. Service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information on this provider, read our 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
Liberty Home Guard offers the most trustworthy home warranty for Panama City residents. 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 home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000.
For more information on this provider, read our Liberty Home Guard full review. To get 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
In Panama City, First American Home Warranty is the best home warranty for appliance coverage. When you purchase a home warranty 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. First American has 2 simple plans, making the selection process and policy coverage easily comprehensible.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500.
To read more, visit our review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or call 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Panama City residents. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you'll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and offer both system and appliance coverage.
Cinch Home Services offers 3 plans for Panama City 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 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 read more, visit our review of Cinch Home Services. To get 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 Panama City
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having one in place can give you some peace of mind and prevent you from paying big out-of-pocket costs. Most home warranty plans start about 30 days after buying the home warranty.
For Panama City homeowners, when a problem happens with a covered appliance or system, it is very straightforward to file a claim. Most home warranty providers have an online portal system where a claim can be submitted. Once you file the claim, it will be assigned to a local service technician that will come to your home and fix the problem. At this point, you pay the service fee. Service fees typically range in price from around $60 to $150 and this is the only out-of-pocket expense you will need to pay unless the repair cost is higher than your home warranty's coverage cap.
A home warranty in Panama City usually covers the main systems and appliances in your home. The appliances typically covered under a home warranty plan are the oven, refrigerator, dishwasher, dryer, washing machine, microwave, and more. System coverage typically includes air conditioning, electrical systems, plumbing, water heaters, heating systems, and more. You can also decide to pay extra for add-on coverage for items like septic systems, roof warranty, swimming pools, and spas.
An important thing to note is that home warranties only protect against normal wear and tear that occurs on your home systems and appliances. Things like lack of maintenance, misuse, pre-existing conditions, and cosmetic damages are not included in the home warranty policy.
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Additionally, 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 property more attractive to potential home buyers and help your home sell faster.
There are also some negatives to getting a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover 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 besides normal wear and tear — the home warranty may not cover it.
Although home warranties do have some exclusions to keep in mind, whether during winter, summer, or the months in between, a home warranty can help lower the inevitable hassle of dealing with home appliances and system repairs, giving you a little peace of mind.
We hope you now feel confident that you can choose a home warranty in Panama City after going through our reviews. Choice Home Warranty is the best overall home warranty company in Panama City. It offers great and comprehensive coverage of all the essential home appliances and systems at an affordable cost with several optional add-ons.
The best overall home warranty provider in Panama City is Choice Home Warranty but the right company for you will vary based on factors like what appliances and systems you need to have covered.
A home warranty is a service contract that covers repairing and replacing major home systems and appliances.
Home warranty policies cover issues related to 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 natural disasters and fires. It doesn't cover normal appliance or system damage.
A home warranty policy will cover repair and replacement costs for home systems and appliances. Home warranties only cover damage due to normal wear and tear and usually don't cover pre-existing conditions.
A Panama City home warranty can cost between $40 and $80 a month. The higher-priced plans tend to have a lower service fee, higher coverage limits, and more coverage.
Homeownership can be costly. When a system or appliance breaks down, it can leave homeowners unexpectedly having to come up with the money to fix it. With a home warranty policy, you won't have any large hits to your savings account just to keep your home up and running.
