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 significantly lower and give you some peace of mind.
Homeownership in Lexington Fayette can be a gratifying step in many people's lives, but it also comes with its fair share of concerns. Repairing your home's systems and appliances can be an unforeseen financial burden for many homeowners.
Finding the best home warranty on the market can be quite overwhelming since there are dozens of 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 Lexington Fayette for you.
The first step in protecting your house with a home warranty is determining which provider's plan is the best for you. Consider the items in your home you want coverage for and compare the policies. Plans can vary, so take into consideration the following factors when choosing a home warranty company:
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 Lexington Fayette residents. The home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Lexington Fayette homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000.
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 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 Lexington Fayette, Select Home Warranty offers the most cost-effective home warranty. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Lexington Fayette area.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For a more detailed breakdown, read our comprehensive 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 Lexington Fayette residents. AHS has been operating for around 25 years, making it a well-regarded company in the industry. AHS has 3 plans for homeowners to choose from. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For more information, read our comprehensive review of American Home Shield.
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
In Lexington Fayette, The Home Service Club is the best home warranty with the quickest service. HSC has around 14 years of experience in the industry and in that time has built a a skilled network of service professionals nationwide. The 2 plans that HSC has include differing levels of system and appliance coverage, as well as add-on options. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It 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 has 2 plans that offer a mix of appliance and system coverage. HSC has coverage caps of around $2,000 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 customizable and range from $65 to $90.
To read more, visit our 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
Liberty Home Guard offers the most trustworthy home warranty for Lexington Fayette residents. The 3 plans from Liberty are easy to comprehend and offer a mix of both system and appliance coverage. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For more information on this provider, read our Liberty Home Guard Review.
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 Lexington Fayette, First American Home Warranty is the best home warranty for appliance coverage. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, 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. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage.
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 about $1,500 at the maximum.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read more by visiting our First American Home Warranty 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
Cinch Home Services is the home warranty with the best workmanship guarantee in Lexington Fayette. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. When you buy a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Lexington Fayette 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. 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.
Read our comprehensive review of Cinch Home Services to learn more. To receive a free quote from Cinch Home Services, you can fill out this online form or call 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 Lexington Fayette
A home warranty is a plan that can help homeowners save money on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Lexington Fayette home comfortable and convenient. When they need repairs, it can be costly and a hassle. Luckily, with a home warranty plan, an affordable repair is just a phone call away.
Filing a claim with your home warranty company is very simple. You can utilize either an online portal system or a direct phone number to file your claim with your home warranty company. At this point, you will also have to pay your service fee. Once the contractor fixes the problem, they will deal with it at no cost to you. The only time a homeowner may have to pay out-of-pocket costs is if the repair or replacement is above the item's coverage cap.
A home warranty plan provides coverage on your home's major appliances and systems and it can help bring down the cost of maintaining your home. The appliances typically covered under a home warranty plan are the refrigerator, oven, microwave, dryer, dishwasher, washing machine, and more. System coverage typically includes water heaters, plumbing, heating systems, air conditioning, electrical systems, and more. Add-on coverage will vary from plan to plan, but you can expect to see add-ons such as spas, roof leaks, electronics, pools, sump pumps, and central vacuums.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things such as lack of maintenance, pre-existing conditions, cosmetic damages, and misuse are not included in the home warranty policy.
Lexington Fayette is known for its mild winters and hot summers, and if you live in Lexington Fayette, you know that the weather can be unpredictable. During the summer months, your air conditioner can be strained in its effort to combat the heat. In the event that your air conditioner did stop working, a home warranty can cover repairs and prevent you from spending out-of-pocket expenses.
Another added benefit of having a home warranty policy is that it can increase 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.
Home warranties also have some cons. Though it can give you less to worry about since the home warranty sends out a repair technician who carries out the repair for you, some people may not like this, and they would prefer to choose a contractor themselves. If that's the case for you, some home warranty plans allow you to choose a contractor. Plus, if you don't maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
It isn't always easy to budget for the unexpected expenses that can come with owning a home, but a home warranty can help you with that. Like any other warranty or insurance policy, there will always be benefits and drawbacks of buying one but its main purpose is to offer you protection and peace of mind.
Hopefully, this review of Lexington Fayette's top home warranty providers has helped you narrow down your choices and ultimately decide on a plan. The best provider in Lexington Fayette is Choice Home Warranty. It offers great and comprehensive coverage of all the essential home systems and appliances at an affordable cost with several add-on options.
The top home warranty provider in Lexington Fayette is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced contractors and a tremendous reputation in the Lexington Fayette area.
A home warranty can help investors, homeowners, home sellers, real estate agents, and homebuyers. It can offer peace of mind and savings to anyone that is involved with homeownership.
Most home warranties have a 30-day waiting period before you can file claims, but some may allow you to file sooner so be sure to check with the company about this.
The systems and appliances in a home are covered under a home warranty in Lexington Fayette. Everything from a oven to a washer can be covered under a home warranty.
Most home warranty plans will cover replacement costs in addition to repair costs. How much the home warranty will cover varies from one plan to the next. You can expect that home warranties will give you some money towards a replacement but the entire replacement may not be paid for.
A home warranty can cost on average around $300 to $800 a year in Lexington Fayette. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. In addition, it's often cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best price is.
