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 anxious about homeownership.
Many living in Otsego have fulfilled their dream of homeownership. However, as great as Otsego can be, there are always downsides that come with owning a home, like keeping your home's systems and appliances maintained.
Finding the right home warranty plan for your Otsego home can be challenging, so our team at House Method did the research for you to help you find the top home warranty in Otsego. Read on for our home warranty recommendations and find out which plan works best for your home.
Finding the best company for your home warranty is the first step toward protecting your home. Policies can vary, so consider the following factors when deciding on a home warranty policy:
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 for Otsego residents. The 2 plans from Choice are easy to comprehend and offer both system and appliance coverage. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000 at the maximum.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read more by visiting our full review of Choice Home Warranty.
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 offers the most cost-effective home warranty in Otsego. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select's service fees are a reasonable $60, and the coverage limits come out to around $2,000 for each covered appliance or system.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting 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
American Home Shield offers the most customizable home warranty in Otsego. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options. 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 American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 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 customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our review of American Home Shield 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 in Otsego. 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. HSC has 2 plans for you to choose from.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, 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, fill out this online form or call 800-750-9443. Read our review of The Home Service Club to learn more.
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 Otsego, Liberty Home Guard offers the most trustworthy home warranty. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty 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 $75.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. To read more, visit our thorough review of Liberty Home Guard.
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 Otsego, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for about 43 years. 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 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from Cinch Home Services are 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 less than other providers in the Otsego area.
Read more by visiting our Cinch Home Services full review. To get 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 Otsego
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 provide some peace of mind and guard your bank account from large out-of-pocket costs. Most home warranty plans take effect about 30 days after paying for the home warranty policy.
When you notice a problem with one of your appliances or systems, you can file a claim with your home warranty company. Then, a customer service representative will reach out to you about a repair technician coming over to look at the issue. The claim is then processed, and a homeowner will pay the service fee to schedule the repair . This repair will typically 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 plan will cover systems and appliances that have broken down due to normal wear and tear. For instance, if your washing machine suddenly stops working under normal use conditions, this is a perfect time to call your home warranty provider. Typical appliances covered under a home warranty plan include a microwave, dryer, refrigerator, garbage disposal, dishwasher, washer, and more. The systems that are most commonly covered will be electrical systems, plumbing systems, hot water heaters, heating systems, and air conditioners. Add-on coverage options can vary by provider but often include things such as a sprinkler system, septic system, plumbing stoppages, central vacuum, and second refrigerator.
Otsego homeowners should be aware that a home warranty plan will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like pre-existing conditions, natural disasters, misuse of a system or appliance, or cosmetic issues. You have to keep up with preventative maintenance on your home systems and appliances to make sure that your next repair or replacement-related issue will be covered by the policy.
Temperatures in Otsego can drop to the negatives in the winter, which means your heating system is likely to get a lot of use. As a homeowner in Otsego, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
Additionally, having a Otsego home warranty can help make your house more appealing to potential home buyers if 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 benefiting from.
One of the major drawbacks of a home warranty is not everything may be covered. It's important to research the different plans and get one that covers all the appliances, systems, and add-ons you need. Another thing to take into consideration is that some companies don't cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty provider for clarification about this if you aren't sure or if this is a problem for you.
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 be the judge of how much that is worth to you.
Hopefully, you now feel confident that you can choose a home warranty provider in Otsego after going through our guide. Choice Home Warranty is the best overall home warranty provider in Otsego. With its comprehensive plans, affordable cost, and a good history in the industry, Choice Home Warranty has a lot to offer.
The best home warranty provider in Otsego is Choice Home Warranty. Choice Home Warranty has a large network of professional repair technicians and a respected reputation in the Otsego area.
Home warranty plans cover issues related to 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 normal appliance or system repairs.
First-time home buyers, homeowners, home sellers, real estate agents, and landlords can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save homeowners money in the long run.
The systems and appliances in a home are covered under a home warranty plan in Otsego. Everything from a oven to a garage door can be covered under a home warranty.
Most home warranties are going to cover replacement costs in addition to repair costs. How much the coverage cap is varies from one plan to the next. Home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
