A home warranty can bring you the peace of mind you need about your home and guard your savings account from large expenses by covering your home's major systems and appliances.
Homeownership in Columbia has lots of perks, but it also does not come without its challenges. Your home's appliances and systems will inevitably need repair and this could mean a huge expense hitting your bank account suddenly.
Finding the best home warranty on the market can be quite time-consuming as there are lots of companies to choose from. That's why the House Method team did the research and made a list of the best home warranty companies in Columbia for you.
Picking the best home warranty in Columbia for you depends on the type of coverage you're looking for, the home warranty company you opt for, and your location, among other factors. Below is a list of some tips on buying a home warranty in Columbia:
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 Columbia, Choice Home Warranty is the best overall home warranty. Choice has 2 simple plans, making the selection process easy. When you buy a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that offer a mix of system and appliance coverage. Choice's service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered system or appliance.
Read our review of Choice Home Warranty to learn more. 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
Select Home Warranty is the most cost-effective home warranty in Columbia. The 3 plans from Select are easy to understand and have a mix of both system and appliance coverage. With a home warranty from Select, you can benefit from 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 Home Warranty has 3 plans that offer a combination of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000 at the maximum.
Read more by visiting our Select Home Warranty full review. To get 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
American Home Shield offers the most customizable home warranty in Columbia. When you buy 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 has 3 plans for you to choose from.
American Home Shield has 3 plans that offer a combination 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 provider. 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. 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 Columbia. HSC has been in the home warranty business for around 14 years. 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 HSC are easy to comprehend and have a mix of both system and appliance coverage.
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 around $2,000 for each covered system or appliance.
To read more, visit 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 is the most trustworthy home warranty for Columbia residents. Liberty offers 3 plans for you to choose from. 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read more by visiting 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 Columbia, First American Home Warranty offers the best home warranty for appliance coverage. First American has established itself as a company with very affordable and comprehensive appliance coverage. 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. The 2 plans from First American are comprehensive and offer a mix of both system and appliance coverage.
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 some plans may have different coverage caps, so make sure to check with the company. 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. 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 in Columbia. Cinch has 3 plans for homeowners to decide between. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Columbia area.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read our review of Cinch Home Services to learn more.
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 Columbia
A home warranty is a protection plan that brings down the cost of repairs when one of your home systems or appliances has a problem. 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 very easy. You can utilize either an online portal system or a direct phone number to file your claim with your home warranty company. At this point, you will pay your service fee. Service fees for home warranty customers range from $60 to $150. Most home warranties also have a coverage limit, which is the maximum amount per year or appliance that the home warranty will cover for repairs and replacements.
Home warranties help protect both home systems and appliances. A home warranty can cover repair and replacement-related costs that are a result of normal wear and tear. The appliances covered are a microwave, cooktop, refrigerator, clothes washer, stove, dishwasher, clothes dryer, and more. The systems included are the plumbing, water heater, air conditioner, electrical, heating system, and more. Many home warranty plans also provide add-on coverage options like central vacuum, septic systems, roof leaks, and even locksmith.
Columbia homeowners should be aware that a home warranty policy will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like cosmetic issues, pre-existing conditions, misuse of a system or appliance, or natural disasters. You have to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related complication will be covered by the policy.
Columbia's cold winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty is designed to cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the necessary repairs, saving you from spending unexpected money out of pocket.
Additionally, having a Columbia home warranty can make your house more appealing to potential home buyers should you ever decide to sell in the future. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you've been getting.
There are also some drawbacks to buying a home warranty plan, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that already have a manufacturer's warranty. Another drawback is that home warranties may exclude some repairs, like those that are needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the systems and appliances that were affected most likely won't be covered by the home warranty.
A home warranty can help with some of a homeowner's maintenance headaches, but in the end, it's up to you to decide if investing in one is the right choice for you and your family. Be sure to do your research and read over any home warranty plans that you're considering buying to understand what repairs will and will not be covered under your contract.
Hopefully, this review of Columbia's best home warranty providers has helped you narrow down your choices and find the right plan for you. Choice Home Warranty is the best overall home warranty company in Columbia. With its comprehensive coverage, affordable cost, and a good reputation in the industry, Choice Home Warranty has a lot to offer.
The best overall home warranty in Columbia is Choice Home Warranty but the best company for you will vary based on factors such as what appliances and systems you need to have covered.
A home warranty is a service contract that covers the repairs and replacements of your major home systems and appliances.
First-time home buyers, real estate agents, homeowners, home sellers, and landlords are all eligible for home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save homeowners money in the long run.
Home warranties will cover the cost of repairs and replacements if it is within the coverage cap of the plan. If the replacement will cost more than the home warranty covers, you will have to pay for the rest out of pocket.
The service fee is the price homeowner pay every time there is an issue with a home system or appliance. The service fees are usually between $60 and $150.
