A home warranty is a way to protect your savings account from unexpected large expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.
Owning a home in Ruston has a lot of great advantages, but there are, of course, some downsides too. The hot, humid weather can cause problems in a home and destroy some systems and appliances.
Even though a home warranty can help with your expenses as a homeowner, one issue is narrowing down the perfect choice for your Ruston home. That's why we've done the research and have made a guide of the top home warranty companies in Ruston.
Finding the right provider for your home warranty is the first step toward protecting your home. Below are some factors to consider when looking for a home warranty in Ruston:
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 Ruston, Choice Home Warranty offers 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. Choice has 2 simple plans, making the selection process quick and easy.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice's plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information on this provider, read our detailed 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
Select Home Warranty offers the most cost-effective home warranty for Ruston residents. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the home warranty 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 with various options for appliance and system coverage.
The 3 plans from Select Home Warranty 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 be sure to check with the provider. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For more information on this provider, read our Select Home Warranty full review.
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 is the most customizable home warranty in Ruston. AHS is a home warranty provider with 25 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 plans from AHS are easy to understand and have a mix of both system and appliance coverage. 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.
American Home Shield has 3 plans that offer a mix of appliance and system coverage. 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, you can fill out this online form or call 888-365-2839. For a more detailed breakdown, read our 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
The Home Service Club offers the best home warranty with the quickest service in Ruston. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the home warranty for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage.
The Home Service Club has 2 plans that provide 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.
Read more by visiting our full review of The Home Service Club. To receive a free quote from The Home Service Club, 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 is the most trustworthy home warranty for Ruston residents. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the plan for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are comprehensive and offer both system and appliance coverage.
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 with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are an affordable $75.
Read more by visiting our 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.
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 Ruston. The 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a plan 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.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. 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 provider. Service fees are customizable and range from $75 to $150.
Read our comprehensive review of Cinch Home Services to learn more. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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 Ruston
A home warranty is a protection plan that helps homeowners get a handle on the high costs of appliance and systems repairs. Home warranties will cover a number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty can make budgeting and managing your finances easier. Home warranty plans generally have a thirty-day waiting period from the time you purchase to the time you can file your first claim.
For Ruston homeowners, when a problem happens with a covered appliance or system, it is very easy to file a claim. Most home warranty companies have an online portal where a claim can be filed. At this point, you will pay the service fee, which is generally between $60 and $150 depending on what plan you have. After the service fee is paid, a repair person will come to your home, assess the issue, and repair it. If the repair is covered under the warranty and it's within the coverage cap, most homeowners will not have to pay any other out-of-pocket costs apart from the service fee.
A home warranty in Ruston typically covers the main systems and appliances in your home. The appliances typically covered under a home warranty plan include clothes washer, refrigerator, dishwasher, garbage disposal, clothes dryer, microwave, and more. The systems usually included are plumbing systems, air conditioners, hot water heaters, ductwork, and electrical systems. The add-on coverage options can include spa, pool, septic system, roof leak, and sometimes even things like locksmith or pest control.
An important thing to consider is that home warranties only cover normal wear and tear on your home systems and appliances. Things such as pre-existing conditions, cosmetic damages, lack of maintenance, and misuse are not included in the home warranty policy.
Since temperatures in Ruston can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Getting a home warranty can help homeowners save money if one of these systems or appliances breaks suddenly.
Another good thing about having a home warranty while selling your home is that you can probably transfer your home warranty plan to the new owners. It can make your home more attractive to potential home buyers and help your home sell faster.
One downside of buying a home warranty is that there are often exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it's important to read over the contracts you're considering thoroughly to understand what is included and what isn't. Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They commonly won't cover home systems or appliances that have stopped working due to improper maintenance, natural disasters, animal infestations, etc.
A home warranty can help ease some of a homeowner's maintenance troubles, but ultimately, it's up to you to determine if investing in one is the right choice for you and your family. Make sure you do your research and read over any home warranty plans that you're considering getting to get a handle on what repairs will and will not be covered under your contract.
Hopefully, you now feel confident that you can choose a home warranty company in Ruston after going through our reviews. Choice Home Warranty is the best overall home warranty company in Ruston. Choice Home Warranty offers great coverage at an affordable price.
The top home warranty company in Ruston is Choice Home Warranty. Choice Home Warranty has a large network of professional technicians and a respected reputation in the Ruston area.
A home warranty is a contract that covers the repairs and replacements of your major home system components and appliances.
A home warranty covers repair and replacement costs for home systems and appliances. Home warranties only cover damage due to normal wear and tear and often don't cover something that happened as a result of a pre-existing condition.
Home warranties cover the cost of repairs and replacements if it is within the coverage limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay the rest out of pocket.
Homeownership can be expensive. When a system or appliance breaks down, it can leave homeowners unexpectedly having to come up with the money to fix it. With a home warranty plan, you will not have any large hits to your savings account .
