A home warranty is a way to protect your bank account from unexpected large expenses. With a home warranty in place, your repair costs can be remarkably lower and allow you to live in your home with more peace of mind.
Owning a home in Pensacola has many great advantages, but there are, of course, some downsides too. The hot, humid weather can cause problems in a home and destroy some systems and appliances.
Finding the best home warranty on the market can be quite challenging as there are so many companies to choose from. That's why the House Method team did the research and compiled a list of the top home warranty companies in Pensacola for you.
Selecting the best home warranty in Pensacola for you and your family depends on the kind of coverage you need, the home warranty provider you go with, and where you live, among other factors. Below is a list of factors that you'll want to take into consideration 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
In Pensacola, Choice Home Warranty offers the best overall home warranty. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.
Choice Home Warranty has 2 plans that provide a combination of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also generally about $3,000.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting 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
In Pensacola, Select Home Warranty offers the most cost-effective home warranty. The 3 policies that Select offers include options for appliance and system coverage. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. 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 around $2,000.
To receive a free quote from Select Home Warranty, 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
American Home Shield is the most customizable home warranty in Pensacola. The 3 policies that AHS has include differing levels of system and appliance coverage, as well as add-on options. 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.
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 many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read 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
The Home Service Club offers the best home warranty with the quickest service in Pensacola. HSC has 2 simple plans, making the selection process easy. When you purchase a policy 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 for each covered appliance or system.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For more information, read our The Home Service Club Review.
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 Pensacola residents. The 3 plans from Liberty are comprehensive and have a mix of both system and appliance coverage. When you buy a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also 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. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Pensacola area.
To get a free quote from Liberty Home Guard, fill out this online form or call 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
First American Home Warranty offers the best home warranty for appliance coverage for Pensacola residents. First American has been on the market for over 38 years, making it a well-respected company in the industry. First American has 2 plans for you to choose from. If you're looking for very affordable and comprehensive appliance coverage, you'll want to have this plan on your side. Plus, 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.
First American Home Warranty has 2 plans that offer a mix of system and appliance coverage. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is less than other providers in the Pensacola area.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. For more information on this provider, read 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
In Pensacola, Cinch Home Services offers the home warranty with the best workmanship guarantee. 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 home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
For more information on this provider, read our detailed 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 Pensacola
A home warranty is a home protection plan that can help homeowners save money on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Pensacola home comfortable and convenient. When they need updating, it can be expensive and a nuisance. Luckily, with a home warranty in place, an affordable repair is just a phone call away.
For Pensacola homeowners, when an issue arises with a covered appliance or system, it is very simple to file a claim. Most home warranty companies have an online portal system where a claim can be submitted. The claim is then processed, and a homeowner will pay the service fee to schedule the repair for their home. This repair will generally occur within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees are between $60 and $150.
Home warranties help protect both home systems and appliances. A home warranty can cover repair and replacement-related expenses that are a result of normal wear and tear. The appliances usually covered under a home warranty plan include clothes washer, garbage disposal, microwave, refrigerator, clothes dryer, dishwasher, and more. The systems usually included are hot water heaters, air conditioners, electrical systems, ductwork, and plumbing systems. Many plans also offer add-on coverage options like roof leaks, central vacuum, septic systems, and even locksmith.
A Pensacola home warranty will only protect against normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, natural disasters, intentional breakages, and pre-existing conditions are not covered with a Pensacola home warranty.
Temperatures in Pensacola can get quite high in the summer, which means your air conditioner is most likely going to get a lot of use. As a homeowner in Pensacola, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
A home warranty also can also save you time and energy. Instead of spending hours finding and choosing a repair person to fix your appliance or system, home warranty companies do the hard work for you and just send a trusted professional to your door whenever you need them.
One of the major drawbacks of a home warranty is not every home system and appliance you care about may be covered. It's important to research the different policies and sign up for one that covers all the appliances, systems, and add-ons you need. Another thing to take into consideration is that some companies don't cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you need more information or if this is a problem for you.
It's not always easy to budget for the unexpected expenses that can come with owning a home, but a home warranty can help 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.
Hopefully, you now feel like you can choose the right home warranty for your Pensacola home. The best provider in Pensacola is Choice Home Warranty. It offers great coverage at an affordable monthly cost. However, other providers reviewed above are also great choices for Pensacola residents.
Our pick for the best overall home warranty in Pensacola is Choice Home Warranty but the right company for you will vary based on factors like what appliances and systems you need coverage for.
A home warranty is a kind of service contract that provides homeowners extra coverage for their household systems and appliances. These include washing machines, dryers, refrigerators, garbage disposals, dishwashers, plumbing, electrical systems, heating and cooling systems, sump pumps, and water heaters, among others. Some companies also offer coverage for garage door openers, pools, ceiling fans, and roofs. A home warranty can help you save money if these appliances and systems fail unexpectedly.
Home warranty plans cover problems related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different insurance that protects one's entire home from situations like natural disasters and fires. It doesn't cover typical appliance or system damage.
A home warranty plan can help investors, homeowners, real estate agents, homebuyers, and home sellers. It can offer peace of mind to anyone involved in homeownership.
Home warranties cover the cost of repairs and replacements as long as it is within the coverage cap of the plan. If the replacement costs more than the home warranty covers, you will have to pay the rest out of pocket.
