A Decatur home warranty policy can help protect homeowners by cutting the costs of major repairs and replacements on your home's appliances and systems.
Owning a home in Decatur has tons of great advantages, but there are, of course, some negatives too. The humid weather can cause problems in a home and destroy some systems and appliances.
Even though a home warranty can help with your homeowner expenses, one pain point is narrowing down the perfect choice for your Decatur home. That's why we've done the research and have made a guide of the best home warranty plans in Decatur.
The first step in protecting your home with a home warranty is determining which provider's plan is right for you. Figure out which items in your home you want coverage for and compare the policies. Below are some tips on looking for a home warranty in Decatur:
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 is the best overall home warranty. If you're looking for very high coverage caps and simple-to-understand service contracts, you'll want to have this plan on your side. Plus, it 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 have a mix of both system and appliance coverage.
There are 2 home warranty plans from Choice Home Warranty: 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 be sure to check with the company. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For more information on this provider, 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
Select Home Warranty offers the most cost-effective home warranty in Decatur. 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 that Select offers include options for appliance and system coverage.
Select Home Warranty offers 3 plans for Decatur homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000 at the maximum.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information on this provider, read our Select Home Warranty Review.
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 offers the most customizable home warranty. AHS has been in the home warranty industry for about 25 years. 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. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Decatur area.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information, read our American Home Shield full review.
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 Decatur residents. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty company offers 2 plans to policyholders with various system and appliance coverage options.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
For a more detailed breakdown, read our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or call 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 Decatur, Liberty Home Guard offers the most trustworthy home warranty. Liberty has 3 plans for homeowners to choose from. 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.
Liberty Home Guard offers 3 plans for Decatur homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000 at the maximum.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For a more detailed breakdown, read our Liberty Home Guard full 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
In Decatur, Cinch Home Services is the home warranty with the best workmanship guarantee. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally about $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read our Cinch Home Services full review to learn more.
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 reduces the cost of repairs when one of your home systems or appliances experiences a problem. A home warranty can help homeowners who need to stick to their budget and don't want to use their 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.
For Decatur homeowners, when a problem happens with a covered appliance or system, it is very simple to file a claim. Most home warranty providers have an online portal system where you can file a claim. Once you submit the claim, it will be assigned to a local service technician that will come to your home and take a look at the problem. 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.
Home warranties help protect both your home systems and appliances. A home warranty can cover repair and replacement-related costs that are a result of normal wear and tear. Typical appliances covered by a home warranty include a dishwasher, microwave, dryer, refrigerator, washer, garbage disposal, and more. The systems that are most commonly covered will be hot water heaters, electrical systems, air conditioners, plumbing systems, and heating systems. Add-on coverage will vary from one plan to another, but you can expect to see add-ons such as sump pumps, central vacuums, roof leaks, pools, spas, and electronics.
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, your home warranty will not cover it. Things like cosmetic damages, pre-existing conditions, lack of maintenance, and misuse are not included in a home warranty policy.
Another benefit of having a home warranty while selling your home is that you can probably transfer your home warranty to the new owners. It can make your home more attractive to potential home buyers and may help your home sell faster.
One downside of getting a home warranty is that there are often exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it's important to read through the contracts you're considering thoroughly to get a sense of what is included and what isn't. Another possible pain point of home warranties is that they don't cover systems or appliances that haven't been properly maintained. This can lead to your claims being denied, so it's important to make sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Homeownership is a big responsibility that can be costly, but valuable. A home warranty is one thing that can help ease the costs of home maintenance, but whether or not it's worth it for you is something you'll have to determine before purchasing a policy.
Hopefully, this review of Decatur's best home warranty companies has helped you narrow down your choices and ultimately find the best plan for you. All of these top choices have impressive experience in the industry and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. It offers comprehensive coverage at an affordable monthly cost. However, other providers mentioned above are also great choices for Decatur residents.
Our pick for the best overall home warranty company in Decatur is Choice Home Warranty but the perfect company for you will vary based on factors like what appliances and systems you need coverage for.
Home warranties cover issues with systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different insurance that protects the entire home from situations like natural disasters and fires. It doesn't cover typical appliance or system breakage.
Home buyers, homeowners, real estate agents, home sellers, and landlords 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.
A service fee is an expense that must be paid before a repair person or contractor comes to your home to repair your home warranty-related issue. Prices typically range between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty except for the monthly premium/annual cost.
Homeownership can be expensive. When a system or appliance breaks down, it can leave homeowners unexpectedly having pay a large amount of money to fix it. With a home warranty in place, you will not have any large hits to your savings account just to keep your home up and running.