A home warranty is a way to protect your budget from unexpected large expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
With the extreme weather common in Hammond, homes can experience quite a bit of wear and tear over time. There's nothing worse than having your air conditioning go out in the middle of a hot summer.
Choosing the best home warranties on the market can be difficult because of the many options out there. If you are tired of trying to compare the different options, keep reading for our guide to the best home warranty companies in Hammond.
The first step in protecting your home with a home warranty is determining which provider's plan is the best for you. Think about the appliances and systems in your home you'd like coverage for and compare the policies. Here are some factors to consider when purchasing a home warranty in Hammond:
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 Hammond, Choice Home Warranty offers the best overall home warranty. Choice has about 14 years of experience in the home warranty industry and in that time has built a an network of service technicians in the country. If you're looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for you to decide between.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Hammond area.
For more information, read our Choice Home Warranty Review. To receive a free quote from Choice Home Warranty, you can 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
Select Home Warranty is the most cost-effective home warranty for Hammond residents. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 plans for homeowners to choose from.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our detailed review of Select Home Warranty to learn more.
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 Hammond. When you purchase 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 offers 3 plans for homeowners to choose from.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read our thorough review of American Home Shield. 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
In Hammond, The Home Service Club offers the best home warranty with the quickest service. HSC has 2 plans for homeowners to decide between. 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.
There are 2 home warranty plans from The Home Service Club: 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 Hammond area.
For a more detailed breakdown, read our review of The Home Service Club. To get a free quote from The Home Service Club, you can 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
Liberty Home Guard offers the most trustworthy home warranty in Hammond. Liberty has been in the home warranty industry for over 5 years. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
Liberty Home Guard has 3 plans that provide a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000 at the maximum.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our Liberty Home Guard 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 Hammond, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has over 43 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. 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 plans from Cinch are easy to understand and offer both system and appliance coverage.
Cinch Home Services has 3 plans that offer a combination of appliance and system coverage. Cinch has coverage caps of around $1,000-$2,000 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 customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our Cinch Home Services full 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 Hammond
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they have issues 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 big out-of-pocket costs. Most home warranty plans start about 30 days after paying for the home warranty plan.
Filing a claim with your home warranty company is simple. You can use either an online portal system or a direct phone number to file your claim with your home warranty company. After that, you will pay your service fee. Service fees for home warranties range in price from $60 to $150. Most home warranty plans also have a coverage cap, which is the maximum cost per year or appliance that the home warranty company will cover for repairs and replacements.
A home warranty will cover home systems and appliances from normal wear . The appliances covered include a clothes dryer, dishwasher, clothes washer, stove, cooktop, microwave, refrigerator, and more. The systems included are the water heater, air conditioner, electrical, plumbing, heating system, and more. Add-on coverage options can vary by plan but typically include things such as a central vacuum, septic system, sprinkler system, second refrigerator, and plumbing stoppages.
A Hammond home warranty will only protect against 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, intentional breakages, natural disasters, and pre-existing conditions are not covered with a Hammond home warranty.
A home warranty can also have value in other ways. For example, some policies can be transferred to another owner when you sell your home.
As for the downsides of home warranties, coverage varies by provider so it's important to review what each policy covers and excludes in the contract. Also, if you don't maintain your home systems or appliances properly, or if they need repairs 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 ease some of a homeowner's maintenance worries, but ultimately, it's up to you to decide whether or not investing in one is a good choice for you and your family. Make sure you do your research and read over any home warranty contracts that you're considering getting to get a sense of what repairs will and will not be covered under your contract.
Hopefully, this review of Hammond's best home warranty options has helped you narrow down your choices and ultimately decide on a plan. All of these top home warranty providers have impressive experience in the industry and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. It offers great coverage at an affordable monthly or annual cost. However, other providers mentioned above are also great choices for Hammond residents.
The best overall home warranty provider in Hammond is Choice Home Warranty but the best company for you will vary based on factors like what appliances and systems you need to have covered.
A home warranty plan helps protect against the normal wear of systems and appliances in a home. A homeowners insurance plan protects the entire home in a situation like a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim if you need a new refrigerator or oven, unless the damage is a result of a natural disaster.
Most home warranty providers have a 30-day waiting period before you can make service requests, but some may offer coverage sooner so make sure you check with the company about this.
The systems and appliances in a home are covered under a home warranty plan in Hammond. Everything from a oven to a swimming pool can be covered under a home warranty.
A service fee is an expense that you must pay before a service technician or contractor comes to your home to fix your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes called 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.