When one of your systems or appliances stops working, a home warranty will help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less stressed by homeownership.
Homeownership in Dearborn can be an exciting stage in many people's lives, but it also comes with its fair share of headaches. Updating your home's systems and appliances can be an unanticipated financial burden for many homeowners.
Even though a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the best choice for your Dearborn home. That's why we've done the research and have compiled a guide of the best home warranty options in Dearborn.
After reviewing the basics of home warranties in Dearborn, the next step is to determine which company you're interested in receiving a free quote from. Below are some tips on looking for a home warranty in Dearborn:
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 Dearborn. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. 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 Home Warranty has 2 plans that offer a mix of system and appliance coverage. Choice 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 $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read our review of Choice Home Warranty to learn more.
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 Dearborn residents. 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 plans for you to decide between.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are around the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
Read more by visiting our review of Select Home Warranty. To get a free quote from Select Home Warranty, you can fill out this online form or call 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 for Dearborn residents. AHS has around 25 years of experience in the industry and in that time has built a an expansive network of service professionals 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. The 3 plans from AHS are easy to understand and offer both system and appliance coverage.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Dearborn area.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read our American Home Shield full review 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
The Home Service Club offers the best home warranty with the quickest service for Dearborn residents. HSC is a home warranty provider with 14 years of experience in the industry, and it has proved to be one of the best providers in the business. 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. HSC has 2 simple plans, making the selection process easy.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC 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 company. Service fees are customizable and range from $65 to $90.
Read our detailed review of The Home Service Club to learn more. 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 is the most trustworthy home warranty for Dearborn residents. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000 at the maximum.
Read our detailed review of Liberty Home Guard to learn more. 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
First American Home Warranty offers the best home warranty for appliance coverage in Dearborn. The 2 home warranty plans that First American has include options for appliance and system 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.
First American Home Warranty has 2 plans that offer a mix of system and appliance coverage. First American's service fees are a reasonable $85, and the coverage caps come out to around $1,500 for each covered appliance or system.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. For more information on this provider, read 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
In Dearborn, Cinch Home Services offers the home warranty with the best workmanship guarantee. 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 home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are close to the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our Cinch Home Services 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 Dearborn
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 one in place can offer you some peace of mind and guard your savings account from large out-of-pocket costs. Most home warranty plans start about 30 days after paying for the home warranty policy.
Filing a claim with your home warranty company is easy. There will be 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 the service fee, which is usually between $60 and $150 depending on what plan you select. 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 any other out-of-pocket costs .
A home warranty in Dearborn usually covers the main systems and appliances in the home. The appliances usually covered under a home warranty include microwave, refrigerator, dishwasher, clothes dryer, garbage disposal, clothes washer, and more. The systems usually included are plumbing systems, ductwork, electrical systems, air conditioners, and hot water heaters. Add-on coverage will vary from plan to plan, but you can expect to see things like central vacuums, roof leaks, pools, spas, electronics, and sump pumps.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and follow preventative maintenance guidelines, the home warranty will not cover it. Things such as pre-existing conditions, cosmetic damages, misuse, and lack of maintenance are not included in a home warranty policy.
Since temperatures in Dearborn can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Buying a home warranty plan can help homeowners save money if one of these systems or appliances breaks suddenly.
Another added benefit of having home warranty coverage is that it can increase your home's real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new home buyers depending on the provider you have your home warranty with.
As for the drawbacks of home warranties, coverage varies by provider so it's important to review what each plan covers and doesn't include in the contract. Another potential pain point of home warranties is that they don't cover items that haven't been properly maintained. This can lead to your claims being rejected, so it's important to be sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Although home warranties do have some exclusions to keep in mind, no matter the season, a home warranty can help lower the inevitable cost of home appliances and system repairs, giving you a little peace of mind.
A home warranty can save you a lot of money on home repairs and give you peace of mind as a homeowner. The best provider in Dearborn is Choice Home Warranty. 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 provider in Dearborn is Choice Home Warranty. Choice Home Warranty has a large network of professional service technicians and a great reputation in the Dearborn area.
A home warranty is a contract that covers repairing and replacing your major home systems and appliances.
Home warranty policies cover problems 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 different kind of insurance that protects one's entire home from natural disasters and fires. It doesn't cover typical appliance or system repairs.
The systems and appliances in a home are covered under a home warranty plan in Dearborn. Everything from a oven to a washer can be covered under a home warranty.
Home warranties will cover the cost of repairs and replacements if it is within the policy limits of the plan. If the replacement costs more than the home warranty covers, you will have to pay for the rest out of pocket.
A home warranty plan can cost on average about $300 to $800 a year in Dearborn. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by opting for a higher service fee. In addition, it's typically 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. The key is to compare plans to determine what you're really getting for the price.
