A home warranty can bring you the peace of mind you need about your home and safeguard your savings account from large expenses by covering your home's major systems and appliances.
Homeownership in Muncie can be an exciting step in many people's lives, but it also comes with its fair share of headaches. Home repairs can be an unexpected financial burden for many homeowners.
Since the home warranty market has a variety of providers — all with different offerings — our team at House Method decided to do the research for you to help you find the right home warranty in Muncie.
Picking the best home warranty in Muncie for you comes down to the type 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 Muncie, Choice Home Warranty is the best overall home warranty. 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. The 2 policies that Choice offers include options for appliance and system coverage.
Choice Home Warranty has 2 plans that offer a mix of system and appliance coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Muncie area.
Read our comprehensive review of Choice Home Warranty to learn more. 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 Muncie. 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 home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Muncie area.
Read more by visiting our 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
American Home Shield offers the most customizable home warranty in Muncie. AHS has been in business for about 25 years, making it a respected company in the industry. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, this is the plan for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS offers 3 plans for you to choose from.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500 at the maximum.
Read more by visiting our American Home Shield full review. 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 is the best home warranty with the quickest service in Muncie. HSC has been on the market for around 14 years, making it a highly regarded company in the industry. The 2 plans from HSC are comprehensive and offer both system and appliance coverage. When you buy 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.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Muncie area.
To read more, visit our The Home Service Club full review. To receive 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 Muncie, Liberty Home Guard is the most trustworthy home warranty. 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. Liberty offers 3 plans for you to decide between.
Liberty Home Guard offers 3 plans for Muncie homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $75.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For a more detailed breakdown, read our thorough 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 in Muncie. 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 has 2 simple plans, making the selection process and policy coverage easily comprehensible.
First American Home Warranty offers 2 plans for Muncie homeowners. The Basic Plan and Premier Plan are the options they have, which have 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 make sure to check with the provider. Service fees are a reasonable $85.
Read our detailed review of First American Home Warranty to learn more. To get a free quote from First American Home Warranty, you can 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 in Muncie. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. The 3 home warranty plans that Cinch has include 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 from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Muncie area.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For more information on this provider, read our Cinch Home Services Review.
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 Muncie
A home warranty is a protection plan that covers home systems and appliances. When your refrigerator stops working and the repair is several hundred dollars, a home warranty will ensure that your only cost is a predetermined service fee. Home warranty coverage typically starts without an inspection and generally goes into place about thirty days after making your first payment.
When one of your systems or appliances experiences an issue, you file a claim with your home warranty provider. You can do so online or by calling them, and then a contractor will come and fix the problem. The claim is then processed, and a homeowner will pay a service fee to schedule the repair for their home. This repair will usually happen within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees range between $60 and $150.
A home warranty will cover systems and appliances from normal wear . The appliances that are typically covered under a home warranty plan include microwave, clothes dryer, dishwasher, refrigerator, clothes washer, garbage disposal, and more. The systems usually included are ductwork, air conditioners, plumbing systems, hot water heaters, and electrical systems. The add-on coverages can include roof leak, septic system, pool, spa, and sometimes even things like locksmith or pest control.
Muncie homeowners should know that a home warranty policy will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like pre-existing conditions, natural disasters, misuse of a system or appliance, or cosmetic issues. You need to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related issue will be covered by the policy.
Since temperatures in Muncie can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances breaks unexpectedly.
Another added benefit of having a home warranty policy is that it can increase your home's real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new home buyers depending on the provider you have your home warranty with.
As for the downsides of home warranties, home system and appliance coverage varies by provider so it's important to read what each plan covers and doesn't include in the contract. Another downside is that home warranties may not include some repairs, like those due to natural disasters. For example, if your house floods, the systems and appliances that were affected probably won't be covered by the home warranty.
Whether or not a home warranty is worth it depends on your personal preference. Similar to any other sort of insurance policy or warranty, it's there to give you some peace of mind, so you will have to be the judge of how much that is worth to you.
A home warranty can save you several thousands of dollars on home maintenance and give you peace of mind as a homeowner in Muncie. When it comes to home warranty companies in Muncie, the best overall is Choice Home Warranty. It offers comprehensive coverage at an affordable monthly cost. However, other companies mentioned above are also great choices for Muncie residents.
The best overall home warranty company in Muncie is Choice Home Warranty but the perfect company for you will vary based on factors like what appliances and systems you need to have covered.
Home warranty policies cover problems related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a different kind of plan that protects the entire home from natural disasters and fires. It doesn't cover normal appliance or system damage.
A home warranty plan can help investors, home sellers, real estate agents, homebuyers, and homeowners. It can offer peace of mind to anyone that is involved with homeownership.
The systems and appliances in a home are covered under a home warranty plan in Muncie. Everything from a fridge to a swimming pool can be covered under a home warranty.
A service fee is an expense that a homeowner pays before a service technician or contractor comes to your home to fix your home warranty-related problem. The pricing is typically between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners have with a home warranty apart from the monthly premium/annual cost.
A home warranty in Muncie can cost anywhere from $40 to $80 a month. Higher-priced plans typically have a lower service fee, more coverage, and higher coverage limits.
