When one of your systems or appliances stops working, a home warranty will step in to help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less anxious about homeownership.
Homeownership in Flat Rock comes with quite a few positives, but it also does not come without its difficulties. Your home's appliances and systems will eventually need repair and this could mean a huge expense hitting your bank account suddenly.
Even though a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the best choice for your Flat Rock home. That's why we've done the research and have compiled a guide of the best home warranty plans in Flat Rock.
Deciding on the right home warranty in Flat Rock for you and your family comes down to the type of coverage you're looking for, the home warranty provider you go with, and where you live, among other factors. Below is a list of factors that you'll want to take into account when picking a home warranty provider:
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 Flat Rock, Choice Home Warranty is the best overall home warranty. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it 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 and policy coverage easily comprehensible.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are an affordable $85.
Read more by visiting our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 Flat Rock. The 3 policies that Select has include options for appliance and system coverage. When you buy a home warranty 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.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with Select's plans are close to the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information, read our Select Home Warranty 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 offers the most customizable home warranty for Flat Rock residents. AHS has been in the home warranty industry for about 25 years. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easily comprehensible and offer a mix of both system and appliance coverage.
The plans that AHS offers to homeowners 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 lower than other providers in the Flat Rock area.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our American Home Shield Review.
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 Flat Rock, The Home Service Club offers the best home warranty with the quickest service. HSC has been operating for about 14 years, making it a highly regarded company in the industry. The 2 policies that HSC has include options for appliance and system coverage. 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 has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read 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
In Flat Rock, Liberty Home Guard is the most trustworthy home warranty. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. When you purchase a policy 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. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Flat Rock area.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For a more detailed breakdown, read our Liberty Home Guard Review.
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 Flat Rock, First American Home Warranty offers the best home warranty for appliance coverage. First American has 2 simple plans, making the selection process and policy coverage easily understandable. If you're looking for very affordable and comprehensive appliance coverage, this is the plan for you. 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 Home Warranty offers 2 plans for Flat Rock homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with First American's plans are close to the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read our comprehensive review of First American Home Warranty to learn more.
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 Flat Rock, Cinch Home Services offers the home warranty with the best workmanship guarantee. The 3 policies that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a policy 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. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Flat Rock area.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information on this provider, read our 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 Flat Rock
A home warranty is a protection plan that makes it more affordable when one of your home systems or appliances experiences a complication. A home warranty can help homeowners who need to keep a budget in place 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.
Filing a claim with your home warranty company is easy. You can utilize either an online portal or a direct phone number to file your claim with your home warranty company. Once you file the claim, it will be assigned to a local service technician that will come to your home and repair the issue. At this point, you pay your service fee. Service fees typically range in price from about $60 to $150 and this is the only out-of-pocket cost you will need to pay unless the repair cost is higher than your home warranty's coverage cap.
A home warranty will cover systems and appliances from normal wear . The appliances typically covered under a home warranty plan are the washing machine, dishwasher, dryer, refrigerator, oven, microwave, and more. System coverage typically includes air conditioning, heating systems, electrical systems, water heaters, plumbing, and more. You can also optionally decide to pay a bit extra for add-on coverage for items such as septic systems, spas, roof warranty, and swimming pools.
A home warranty will only cover 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, your home warranty will not cover it. Things such as misuse, lack of maintenance, pre-existing conditions, and cosmetic damages are excluded from a home warranty policy.
Temperatures in Flat Rock can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a lot of use. As a homeowner in Flat Rock, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
A home warranty can also give value in other ways. For example, some policies can be transferred between owners during a home sale.
One of the major drawbacks of home warranties is not every home system and appliance you care about may be covered. It's important to weigh the different policies and choose one that covers all the appliances, systems, and add-ons you need. Another drawback is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the systems and appliances that were impacted probably won't be covered by the home warranty.
Whether or not a home warranty is worth it comes down to your personal preference. Similar to any other type of insurance policy or warranty, it's there to give you a sense of protection, so you will have to decide how much that is worth to you.
Hopefully, this review of Flat Rock's top home warranty providers has helped you narrow down your choices and ultimately decide on a plan. The best provider in Flat Rock is Choice Home Warranty. Choice Home Warranty offers great coverage at an affordable price.
The best overall home warranty company in Flat Rock is Choice Home Warranty but the best company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty is a contract that covers repairing and replacing major home systems and appliances.
Most home warranty providers have a 30-day waiting period before you can file claims, but some may let you file sooner so be sure to check with the company about this.
A home warranty policy will cover 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.
A service fee is an expense that must be paid before a service technician or contractor comes to your home to fix your home warranty-related issue. Prices typically range between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty apart from the policy's premium.
Many homeowners feel like a home warranty is a good investment since it helps protect against unforeseen expenses. If you're worried about your finances and home maintenance, getting a home warranty can help. One of the big pluses of a home warranty is that it can give you some financial peace of mind.
