A home warranty can bring you the peace of mind you need about your home and shield your savings account from large expenses by covering your home's major systems and appliances.
Homeownership in Birmingham has many perks, but it also does not come without its difficulties. Your home's appliances and systems will eventually need repair and this could mean a burdensome expense hitting your bank account suddenly.
Finding the best home warranties on the market can be challenging because of the many options out there. If you are frustrated with trying to compare the different options, keep reading for our guide to the top home warranty companies in Birmingham.
Selecting the best home warranty in Birmingham for you and your family depends on the kind of coverage you want, the home warranty provider you go with, and where you live, among other factors. Before deciding which home warranty to purchase, here are a few other factors to consider:
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 Birmingham. Choice has 2 plans for homeowners to choose from. 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 Birmingham homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Birmingham area.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information, read our full 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 Birmingham, Select Home Warranty is the most cost-effective home warranty. When you purchase a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also 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 system and appliance coverage options.
Select Home Warranty offers 3 plans for Birmingham homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have 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 be sure to check with the company. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information on this provider, read our 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 Birmingham residents. AHS has more than 25 years of experience in the home warranty market and in that time has built a an expansive network of service professionals nationwide. The 3 policies that AHS offers include options for appliance and system coverage. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, this is the provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500.
Read our American Home Shield full review to learn more. 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 in Birmingham. HSC has been in the home warranty industry for over 14 years. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners 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.
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 is the most trustworthy home warranty for Birmingham residents. The 3 plans that Liberty has include options for appliance and system coverage. When you purchase a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard 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. 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 provider. Service fees are an affordable $75.
For more information on this provider, read our Liberty Home Guard Review. To get a free quote from Liberty Home Guard, you can fill out this online form or call 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
In Birmingham, First American Home Warranty is the best home warranty for appliance coverage. If you're looking for very affordable and comprehensive appliance coverage, you'll want to have this plan on your side. Plus, 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. First American offers 2 plans for you to choose from.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American has coverage caps of around $1,500 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 a reasonable $85.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. To read more, visit our First American Home Warranty full 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 offers the home warranty with the best workmanship guarantee in Birmingham. 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. Cinch has 3 plans for you to decide between.
Cinch Home Services has 3 plans that offer a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 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 $150.
To read more, visit our detailed review of Cinch Home Services. To receive a free quote from Cinch Home Services, 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 Birmingham
A home warranty is a protection plan that makes it more affordable when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to stick to their budget and don't want to use 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.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty provider. Most companies have an online portal where you can do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. At this point, you will pay your service fee, which is typically between $60 and $150 depending on what plan you choose. Once the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. As long as the repair is covered by the warranty and the coverage cap is not reached, most homeowners will not have to pay any other out-of-pocket costs apart from the service fee.
A home warranty plan will cover systems and appliances that have stopped working from normal wear and tear. For example, if your A.C. suddenly stops working under normal use conditions, your home warranty provider can help. Appliances covered under a home warranty plan are typically the microwave, dishwasher, dryer, garbage disposal, refrigerator, and more. Systems that are covered usually include heating systems, electrical systems, plumbing systems, air conditioners, and water heaters. Add-on coverage will vary from plan to plan, but you can expect to see things like electronics, spas, sump pumps, central vacuums, pools, and roof leaks.
A home warranty will only cover normal wear and tear that occurs on your home systems and appliances. Things such as cosmetic damages, misuse, pre-existing conditions, and lack of maintenance are not included in the home warranty policy.
Home warranties are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Birmingham hitting upward of 55 degrees in the summer, you may find that certain appliances, such as your air conditioner, get a lot of use. A home warranty can significantly lower your out-of-pocket expenses should your HVAC system break down.
Another benefit of having a home warranty when you're selling your home is that some providers let you transfer your home warranty policy to the new owners. It can make your home more attractive to potential home buyers and help your home sell faster.
As for the drawbacks of home warranties, home system and appliance coverage varies by company so it's important to review what each plan covers and doesn't include in the contract. Another drawback is that home warranties may not include some repairs, such as those that are needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the systems and appliances that were affected most likely won't be covered by the home warranty.
It can be difficult to budget for the unexpected expenses that can come with homeownership, but a home warranty can help with that. Similar to 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.
We hope you now feel confident that you can choose a home warranty in Birmingham after reading our reviews. Choice Home Warranty is the best overall home warranty company in Birmingham. With its comprehensive coverage, fair pricing, and a good reputation in the industry, Choice Home Warranty has a lot to offer.
The best home warranty company in Birmingham is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced repair technicians and a great reputation in the Birmingham area.
Home warranty policies cover issues related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a larger insurance that protects your entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system breakage.
Most home warranty plans have a 30-day waiting period before you can file claims, but some may let you file sooner so make sure you check with the company about this.
The systems and appliances in a home are covered under a home warranty policy in Birmingham. Everything from a oven to a garage door can be covered under a home warranty.
A home warranty can cost on average about $300 to $800 a year in Birmingham. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's often 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, opting for the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best value is.
Homeownership can be pricey. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty policy, you will not have any large hits to your savings account for home maintenance.