A home warranty in Fort Thomas can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
There are many great things abouts owning a home in Fort Thomas. However, major home systems and appliances, like your electrical systems and refrigerator, can stop working due to normal wear and tear, leaving you with pricey repairs.
Finding the best home warranties on the market can be quite a challenge because of the sheer number of options out there. If you are frustrated with trying to compare the different options, keep reading for our guide on the best home warranty companies in Fort Thomas.
Picking the right home warranty in Fort Thomas for you and your family depends on the coverage you need, the home warranty provider you opt for, and where you live, among other factors. Before deciding which home warranty to buy, here are a few other factors to consider:
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 Fort Thomas, Choice Home Warranty offers the best overall home warranty. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the home warranty for you. 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 easy to understand and offer both system and appliance coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage limits come out to about $3,000 per covered system or appliance.
Read more by visiting our Choice Home Warranty Review. 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 Fort Thomas. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 plans for you to decide between.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select 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 a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, read our review of Select Home Warranty.
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 for Fort Thomas residents. AHS has been in business for more than 25 years, making it a respected company in the industry. 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. AHS has 3 simple plans, making the selection process and policy coverage easily understandable.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 per covered system or appliance.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read our review of American Home Shield to learn more.
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 Fort Thomas. HSC is a home warranty provider with 14 years of experience in the industry, and it has become one of the best providers in the business. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible. When you purchase 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 Home Service Club offers 2 plans for Fort Thomas homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. 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.
For a more detailed breakdown, read our full review of The Home Service Club. 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 Fort Thomas, 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 choose from.
Liberty Home Guard has 3 plans that offer a mix of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $75.
To read more, visit our thorough review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, you can fill out this online form or call 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 Fort Thomas, First American Home Warranty is the best home warranty for appliance coverage. If you're looking for very affordable and comprehensive appliance coverage, First American is the perfect provider for you. 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 offers 2 plans for homeowners to decide between.
First American Home Warranty has 2 plans that provide a combination of system and appliance coverage. First American's service fees are a reasonable $85, and the coverage caps come out to around $1,500 for each covered system or appliance.
Read more by visiting our thorough review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 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 Fort Thomas. With a home warranty from Cinch, you can enjoy 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. Cinch has 3 simple plans, making the selection process easy.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch's service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 for each covered system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting our 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 Fort Thomas
A home warranty is a protection plan 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 a home warranty in place can give you some peace of mind and prevent you from paying large out-of-pocket costs. Most home warranty plans start about 30 days after buying the home warranty plan.
When you notice an issue with one of your appliances or systems, you can submit a claim with your home warranty company. Then, a customer service representative will reach out to you about a repair technician coming over to look at the problem. After that, you will pay the service fee. Service fees for home warranties range in price from $60 to $150. Most home warranty plans also have a coverage limit, which is the maximum amount per year that the home warranty plan will cover for repairs and replacements.
Home warranties help protect both your home systems and appliances. A home warranty can cover repair and replacement-related expenses that are a result of normal wear and tear. Appliances covered under a home warranty plan are typically the microwave, refrigerator, dishwasher, dryer, garbage disposal, and more. Systems that are covered usually include electrical systems, air conditioners, heating systems, water heaters, and plumbing systems. Many plans also have add-on coverage options like central vacuum, roof leaks, septic systems, and even locksmith.
Fort Thomas homeowners should be aware that a home warranty policy will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like pre-existing conditions, misuse of a system or appliance, natural disasters, or cosmetic issues. You need to keep up with preventative maintenance on your home systems and appliances to be sure that your next repair or replacement-related problem will be covered by the policy.
Temperatures in Fort Thomas can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in Fort Thomas, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
Another added benefit of having a home warranty plan is that it can raise your home's property value. If you ever decide to sell your home, 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.
One of the main drawbacks of a home warranty is not everything you care about may be covered. It's important to research the different policies and choose one that covers all the appliances, systems, and add-ons you need. 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.
A home warranty can help with some of a homeowner's maintenance troubles, but in the end, it's up to you to determine if investing in one is the right move for you and your family. Make sure you do your research and read over any home warranty contracts that you're considering buying to get a handle on what repairs will and will not be covered under your contract.
We hope you now feel positive that you can choose a home warranty provider in Fort Thomas after reading our reviews. Choice Home Warranty is the best overall home warranty provider in Fort Thomas. It offers comprehensive coverage at an affordable monthly or annual cost. However, other options mentioned above also give great coverage choices for Fort Thomas residents.
Our pick for the best overall home warranty company in Fort Thomas 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 helps protect against the normal wear and tear of home systems and appliances. Homeowners insurance protects the entire home in a situation like a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or oven, unless the damage is a result of a natural disaster.
First-time home buyers, landlords, homeowners, real estate agents, and home sellers 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.
Typically coverage for a home warranty plan 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.
Home warranties will cover the cost of repairs and replacements as long as it is within the coverage cap of the plan. If the replacement will cost more than the home warranty covers, you will have to pay for the rest out of pocket.
A Fort Thomas home warranty can cost anywhere from $40 to $80 a month. The higher-priced plans tend to have more coverage, higher coverage limits, and a lower service fee.