A home warranty in Ellicott City can help cut your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop functioning due to normal wear and tear.
Ellicott City gives homeowners some beautiful housing options. However, sudden repair and replacement costs on your home's systems and appliances can get quite pricey.
Even though a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the right choice for your Ellicott City home. That's why we've done the research and have compiled a guide of the top home warranty options in Ellicott City.
Once you're ready to buy a home warranty policy, the first step is considering what appliances and systems you need coverage for. From there, you can compare plans and contact different home warranty providers for a free quote. Policies can vary, so consider the following factors when choosing a home warranty plan:
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 Ellicott City. Choice has 2 plans for homeowners to decide between. If you're looking for very high coverage caps and simple-to-understand service contracts, you'll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice's plans are close to 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, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, 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
Select Home Warranty offers the most cost-effective home warranty in Ellicott City. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process easy.
Select Home Warranty has 3 plans that provide a mix of system and appliance coverage. Select 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 a reasonable $60.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting 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 for Ellicott City residents. AHS has more than 25 years of experience in the home warranty market and in that time has built a a skilled network of service technicians nationwide. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process quick and easy.
American Home Shield offers 3 plans for Ellicott City homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. 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 company. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or call 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
In Ellicott City, The Home Service Club is the best home warranty with the quickest service. HSC has about 14 years of experience in the industry and in that time has built a an expansive network of service technicians nationwide. HSC has 2 simple plans, making the selection process easy. 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, HSC is the perfect provider 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 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 per covered system or appliance.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read more by visiting our review of The Home Service Club.
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 Ellicott City. The 3 home warranty plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you'll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Ellicott City homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is lower than other providers in the Ellicott City area.
Read our thorough review of Liberty Home Guard to learn more. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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
First American Home Warranty offers the best home warranty for appliance coverage for Ellicott City residents. First American offers very affordable and comprehensive appliance coverage. Plus, it 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. First American has 2 simple plans, making the selection process quick and easy.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage limits come out to about $1,500 for each covered appliance or system.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. For a more detailed breakdown, read our detailed 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 in Ellicott City. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
Cinch Home Services has 3 plans that provide a combination of appliance and system coverage. Cinch's service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 per covered appliance or system.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read our comprehensive 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 Ellicott City
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they break down over time due to normal wear and tear. Having one in place can give you some peace of mind and guard your bank account from large out-of-pocket costs. Most home warranty plans start about 30 days after paying for the home warranty.
When you have a system or appliance that has an issue, you file a claim with your home warranty provider. You can do so online or by calling them, and then a repair technician will come and fix the problem. Once you submit the claim, it will be assigned to a local repair person that will come to your home and assess the problem. At this point, you pay the service fee. Service fees usually range in price from about $60 to $150 and this is the only out-of-pocket expense you will have to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty in Ellicott City typically covers the main systems and appliances in the house. The appliances typically covered under a home warranty plan include microwave, clothes dryer, dishwasher, refrigerator, clothes washer, garbage disposal, and more. The systems usually included are air conditioners, electrical systems, hot water heaters, ductwork, and plumbing systems. The add-on coverage options can include spa, pool, septic system, roof leak, and sometimes even things like locksmith or pest control.
A Ellicott City home warranty will only protect against normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, intentional breakages, and natural disasters are not covered with a Ellicott City home warranty.
Home warranty plans are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Ellicott City reaching upward of 62 degrees in the summer, you may find that some appliances, like your air conditioning system, get a lot of use. A home warranty can significantly lower your out-of-pocket expenses should your HVAC system stop working.
Plus, having a Ellicott City home warranty can make your house more appealing to potential home buyers if you ever decide to sell in the future. Many home warranty providers will allow you to transfer your policy to a new owner and give them the same protection you've been benefiting from.
One main drawback of home warranties is not everything may be covered. It's important to weigh the different plans and sign up for one that covers all the appliances, systems, and add-ons you need. Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They most likely won't cover systems or appliances that have need repairs or replacements due to improper maintenance, animal infestations, natural disasters, etc.
Although home warranties do have some downsides, whether during winter, summer, or the months in between, a home warranty can help cut back on the inevitable cost of dealing with home appliances and system repairs, giving you a little peace of mind.
Hopefully, this review of Ellicott City's best home warranty companies has helped you narrow down your choices and ultimately find the best plan for you. Choice Home Warranty is the best overall home warranty provider in Ellicott City. It offers great coverage at an affordable premium. However, other home warranties mentioned above are also great choices for Ellicott City residents.
Our pick for the best overall home warranty provider in Ellicott City is Choice Home Warranty but the perfect company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty is a service contract that covers repairing and replacing major home systems and appliances.
The systems and appliances in a home are covered under a home warranty in Ellicott City. Everything from a fridge to a pool can be covered under a home warranty.
Most home warranties will cover replacement costs as well as repair costs. The coverage cap varies from one plan to the next. Your home warranty will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A home warranty can cost on average about $300 to $800 a year in Ellicott City. 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. Additionally, it's usually less expensive to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best price is.
