A home warranty in Shelbyville can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
Shelbyville gives homeowners some great living options. However, unexpected repair and replacement costs on your home's systems and appliances can get quite expensive.
Because the home warranty market has many providers — all with different price points — our team at House Method decided to do the research for you to help you find the right home warranty in Shelbyville.
Now that you're ready to buy a home warranty, the first step is deciding what items you need coverage for. After that, you can compare your options and call different home warranty providers to get a free quote. Here are some tips on buying a home warranty in Shelbyville:
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 offers the best overall home warranty in Shelbyville. The 2 plans from Choice are easy to understand and offer both system and appliance coverage. 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 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are an affordable $85.
For more information, read our thorough review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or call 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
In Shelbyville, Select Home Warranty offers the most cost-effective home warranty. 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. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Shelbyville area.
Read our comprehensive review of Select Home Warranty to learn more. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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
In Shelbyville, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty industry for about 25 years. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options. With a home warranty from AHS, you can benefit from 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 limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Shelbyville area.
For more information on this provider, read our detailed review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or give them a call at 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 for Shelbyville residents. HSC has been in the home warranty industry for over 14 years. The home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage. 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 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000 at the maximum.
For more information, read our The Home Service Club 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
Liberty Home Guard offers the most trustworthy home warranty in Shelbyville. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. 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 Shelbyville 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 be sure to check with the company. Service fees are an affordable $75.
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
In Shelbyville, First American Home Warranty is the best home warranty for appliance coverage. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options. When you purchase a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. 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.
To get 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 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Shelbyville residents. 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 3 plans from Cinch are comprehensive and have a mix of both system and appliance coverage.
Cinch Home Services offers 3 plans for Shelbyville 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. The coverage caps associated with Cinch's plans are close to the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting 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 Shelbyville
A home warranty is a service contract that cuts back on the cost of repairs when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to keep a budget in place and don't want to dip into 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.
Filing a claim with your home warranty company is straightforward. You can use either an online portal or a direct phone number to file your claim with your home warranty company. After that, you will pay the service fee. Service fees for home warranties range from $60 to $150. Most home warranties also have a coverage limit, which is the maximum cost per appliance that the home warranty plan will cover for repairs and replacements.
A home warranty will cover home systems and appliances from normal wear and tear. The appliances include a refrigerator, clothes dryer, dishwasher, stove, clothes washer, microwave, cooktop, and more. The systems included are the electrical, water heater, plumbing, air conditioner, heating system, and more. Many plans also have add-on coverage options like locksmith, central vacuum, roof leaks, and even septic systems.
A Shelbyville home warranty will only cover repairs and replacements due to normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, natural disasters, and intentional breakages are not covered with a Shelbyville home warranty.
Shelbyville is known for its mild winters and hot summers, and if you live in Shelbyville, you know that the weather can be unpredictable. During the summer months, your air conditioner can be overloaded in its effort to combat the heat. If your air conditioner did give out, a home warranty can cover the repairs and help bring down your out-of-pocket expenses.
Another added benefit of having home warranty coverage is that it can raise your home's property 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 company you have your home warranty with.
One downside of buying a home warranty is that there are usually exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it's important to read through any contracts you're considering carefully to understand what is included and what isn't. Another consideration is that home warranties usually only cover repairs needed due to normal wear and tear. They commonly won't cover home systems or appliances that have stopped working due to natural disasters, improper maintenance, animal infestations, etc.
Although home warranties do have some exclusions to keep in mind, whether during winter, summer, or the months in between, a home warranty can help lower the inevitable expense of dealing with home appliances and system repairs, giving you some peace of mind.
Hopefully, you now feel confident that you can choose a home warranty provider in Shelbyville after reading our guide. All of these top companies have impressive histories and backgrounds and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. Its comprehensive coverage, affordable pricing, and easy to understand policies make it a great home warranty for Shelbyville homeowners.
The top home warranty company in Shelbyville is Choice Home Warranty. Choice Home Warranty has an expansive network of professional contractors and a great reputation in the Shelbyville area.
A home warranty is a type of service contract designed to give homeowners extra coverage for their household systems and appliances. These include refrigerators, dishwashers, dryers, washing machines, garbage disposals, electrical systems, heating and cooling systems, plumbing, sump pumps, and water heaters, among others. Some plans also offer coverage for garage door openers, pools, roofs, and ceiling fans. A home warranty can help you save money if these items break down unexpectedly.
A home warranty covers the normal wear and tear of systems and appliances in a home. A homeowners insurance plan protects a home in case of something like a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim if you need a new refrigerator or dishwasher, unless the damage is due to a natural disaster.
Most home warranty plans 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.
A service fee is an expense that must be paid before a service technician or contractor comes to your home to repair your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty in place except for the policy's premium.
Owning a home 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 plan, you will not have any large hits to your bank account .
