A home warranty in Raisin can help bring down 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.
As much as you may love owning a home in Raisin, there is always that concern about whether or not your systems and appliances are going to need repairs over the next few years.
Even though a home warranty can help with your homeowner concerns, one pain point is narrowing down the perfect choice for your Raisin home. That's why we've done the research and have put together a guide of the best home warranty companies in Raisin.
The first step in protecting your home with a home warranty is determining which provider's plan is right for you. Consider the appliances and systems in your home you need coverage for and compare the policies. Below is a list of factors that you'll want to keep in mind when selecting 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
Choice Home Warranty is the best overall home warranty in Raisin. Choice has over 14 years of experience in the home warranty market and in that time has built a an expansive network of service professionals nationwide. 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 has 2 simple plans, making the selection process easy.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. Choice's service fees are an affordable $85, and the coverage limits come out to around $3,000 per covered system or appliance.
For a more detailed breakdown, read our review of Choice Home Warranty. 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 Raisin. 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. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
Select Home Warranty has 3 plans that provide a combination of appliance and system 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 provider. 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. To read more, visit 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
In Raisin, American Home Shield is the most customizable home warranty. The home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage. 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 American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 for each covered system or appliance.
For more information on this provider, read our American Home Shield full review. 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
In Raisin, The Home Service Club offers the best home warranty with the quickest service. The 2 plans from HSC are easy to understand and have a mix of both system and appliance 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, you'll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 per covered appliance or system.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For a more detailed breakdown, read our comprehensive 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 Raisin, Liberty Home Guard is the most trustworthy home warranty. Liberty has about 5 years of experience in the home warranty market and in that time has built a impressive network of service technicians in the country. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable.
Liberty Home Guard offers 3 plans for Raisin homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or call 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
First American Home Warranty offers the best home warranty for appliance coverage for Raisin residents. First American has about 38 years of industry experience and in that time has built a a skilled network of service technicians nationwide. 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 caps come out to around $1,500 for each covered system or appliance.
Read more by visiting our First American Home Warranty Review. To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
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 Raisin. Cinch offers 3 plans for you to decide between. With a home warranty from Cinch, you can enjoy 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.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. 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.
For a more detailed breakdown, read our review of Cinch Home Services. To receive a free quote from Cinch Home Services, you can 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 Raisin
A home warranty is a service contract that helps homeowners cut back on the high costs of appliance and systems repairs. Home warranties will cover a number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty can make budgeting and managing your finances easier. Home warranty plans generally have a thirty-day waiting period from the time you purchase to the time they start.
Filing a claim with your home warranty company is straightforward. 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 your service fee, which is typically between $60 and $150 depending on what plan you opt for. After the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. If the repair is covered under the warranty and it's within the coverage cap, most homeowners will not have to pay any other out-of-pocket costs .
A home warranty in Raisin usually covers the main systems and appliances in your home. Appliances covered under a home warranty plan are usually the dryer, microwave, refrigerator, dishwasher, garbage disposal, and more. Systems that are covered usually include air conditioners, plumbing systems, electrical systems, water heaters, and heating systems. You can also optionally decide to pay a bit extra for add-on coverage for items like swimming pools, septic systems, spas, and roof warranty.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things such as lack of maintenance, pre-existing conditions, misuse, and cosmetic damages are not included in the home warranty policy.
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Another added benefit of having home warranty coverage is that it can increase your home's property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new home buyers depending on the provider you purchased your home warranty through.
Home warranties also have some cons. Although it can save you time when the home warranty sends out a contractor who handles the repair for you, some people may not like this, and they may want to choose a contractor themselves. If that's the case for you, some home warranty providers let you choose a contractor. Another drawback is that home warranties may not include some repairs, like those due to natural disasters. For example, if a tree falls onto your house and damages the roof, the systems and appliances that were impacted probably won't be covered by the home warranty.
Although home warranties do have some drawbacks, whether during winter, summer, or the months in between, a home warranty can help mitigate the inevitable expense of home appliances and system repairs, giving you a little peace of mind.
Hopefully, you now feel confident that you can choose a home warranty in Raisin after going through our reviews. When it comes to home warranties in Raisin, the best overall is Choice Home Warranty. It offers comprehensive coverage of all the essential home systems and appliances at an affordable cost with several add-on options.
Our pick for the best overall home warranty company in Raisin 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 the repairs and replacements of your major home systems and appliances.
The systems and appliances in a home are covered under a home warranty policy in Raisin. Everything from a oven to a garage door can be covered under a home warranty.
Home warranties will cover the cost of repairs and replacements if it is within the coverage cap of the plan. If the replacement costs more than the home warranty plan covers, you will have to pay for the rest out of pocket.
A home warranty policy can cost on average about $300 to $800 a year in Raisin. Our top-rated home warranty providers' 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. In addition, 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, choosing the annual plan over monthly payments saves you $80. It's important to compare plans to determine what you're really getting for the price.
