When one of your systems or appliances malfunctions, 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 overwhelmed by homeownership.
There are many perks of homeownership in Shelby. But, major home systems and appliances, like your electrical systems and washer and dryer, can stop working due to normal wear and tear, leaving you with expensive repairs.
Finding the best home protection plan for your Shelby home can be challenging, so our team at House Method did the research for you to help you find the best home warranty in Shelby. Keep reading for our home warranty recommendations and find out which plan works best for your home.
The first step in protecting your house with a home warranty is determining which provider's plan is the best for you. Consider the appliances and systems in your home you want coverage for and compare the plans. Before making your final decision, 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 is the best overall home warranty in Shelby. 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. The 2 plans from Choice are easy to comprehend and offer both system and appliance coverage.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered system or appliance.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting our Choice Home Warranty Review.
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 Shelby, Select Home Warranty offers the most cost-effective home warranty. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are comprehensive and offer both system and appliance coverage.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select 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 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. 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 Shelby, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty industry for about 25 years. The 3 plans from AHS are easy to understand and have a mix of both system and appliance 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 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 about $2,500 at the maximum.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 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 Shelby, The Home Service Club is the best home warranty with the quickest service. HSC has more than 14 years of experience in the home warranty market and in that time has built a impressive network of service technicians in the country. 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 that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
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 typically around $2,000.
To get 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 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
Liberty Home Guard is the most trustworthy home warranty for Shelby residents. The 3 plans from Liberty are easy to understand and have a mix of both system and appliance coverage. 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 plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty's service fees are an affordable $75, and the coverage caps come out to about $3,000 per covered appliance or system.
To read more, visit 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 Shelby, First American Home Warranty offers the best home warranty for appliance coverage. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, 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. The 2 plans from First American are comprehensive and offer a mix of both system and appliance coverage.
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 about $1,500 for each covered system or appliance.
To receive a free quote from First American Home Warranty, 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 for Shelby residents. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. Cinch offers 3 plans for you to decide between.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are around 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 receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit 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 Shelby
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they stop working over time due to normal wear and tear. Having a home warranty in place can give you some peace of mind and protect your savings account from exorbitant out-of-pocket costs. Most home warranty plans take effect about 30 days after paying for the home warranty policy.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty company. Most companies have an online portal system 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. The claim is then processed, and a homeowner will pay the service fee to schedule the repair . This repair will usually occur within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees are between $60 and $150.
A home warranty will cover systems and appliances that have broken down due to normal wear and tear. For instance, if your washing machine suddenly needs repairs under normal use conditions, you can call your home warranty provider. The appliances covered are a refrigerator, clothes washer, microwave, dishwasher, clothes dryer, cooktop, stove, and more. The systems included are the heating system, electrical, air conditioner, water heater, plumbing, and more. Add-on options can vary by company but often include things like a septic system, sprinkler system, central vacuum, plumbing stoppages, and second refrigerator.
An important thing to note is that home warranties only cover normal wear and tear on your home systems and appliances. Things such as cosmetic damages, misuse, pre-existing conditions, and lack of maintenance are excluded from the home warranty policy.
Since temperatures in Shelby can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Getting a home warranty can help homeowners save money if one of these systems or appliances breaks down 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 purchased your home warranty through.
One major drawback of a home warranty is not everything may be covered. It's important to weigh the different plans and select one that covers all the appliances, systems, and add-ons you need. Another possible pain point of home warranties is that they don't cover items that have been improperly maintained. This can lead to your repair requests being denied, so it's important to make sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
It can be hard to budget for the unexpected expenses that can come with owning a home, but a home warranty can help with that. Similar to any other warranty or insurance policy, there will always be advantages and disadvantages of getting one but its main purpose is to offer you protection and peace of mind.
A home warranty can save you several thousands of dollars on home repairs and offer you peace of mind as a homeowner. The best provider in Shelby is Choice Home Warranty. Choice Home Warranty offers home warranties with comprehensive coverage at an affordable cost.
The best home warranty company in Shelby is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced contractors and a respected reputation in the Shelby area.
A home warranty is a kind of contract that covers the repairs and replacements of major home system components and appliances.
Home warranty plans cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a larger plan that protects the entire home from natural disasters and fires. It doesn't cover typical appliance or system breakage.
Most home warranty companies have a 30-day waiting period before you can file claims, but some may offer coverage sooner so make sure you check with the company about this.
Home warranties cover the cost of repairs and replacements as long as it is within the policy limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay the rest out of pocket.
A service fee is a cost that a homeowner pays before a service technician or contractor comes to your home to fix your home warranty-related issue. The pricing is typically 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 monthly premium/annual cost.