A home warranty is a way to protect your budget from unexpected large expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Many people in Ramsey have made their dream of owning a home into a reality. However, as great as Ramsey can be, there are always downsides that come with owning a home, such as keeping your home's systems and appliances maintained.
Finding the best home warranties on the market can be challenging because of the many options out there. If you are tired of trying to compare the different options, keep reading for our guide to the top home warranty companies in Ramsey.
Selecting the best provider for your home warranty is a step you could take to protect your home. Below are some tips on purchasing a home warranty in Ramsey:
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 Ramsey, Choice Home Warranty offers the best overall home warranty. Choice has 2 plans for homeowners to decide between. 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.
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.
For a more detailed breakdown, read our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, you can 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 for Ramsey residents. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easy to comprehend and have a mix of both system and appliance coverage.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000 at the maximum.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read our Select Home Warranty full review to learn more.
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 Ramsey, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty industry for about 25 years. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 per covered system or appliance.
For more information, read our detailed review of American Home Shield. To get a free quote from American Home Shield, you can fill out this online form or call 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
The Home Service Club is the best home warranty with the quickest service for Ramsey residents. The 2 plans 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, 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. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Ramsey area.
To receive 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 thorough 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 offers the most trustworthy home warranty for Ramsey residents. Liberty has 3 simple plans, making the selection process quick and easy. When you buy a plan 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.
Liberty Home Guard has 3 plans that offer a combination of appliance and system coverage. Liberty's service fees are an affordable $75, and the coverage caps come out to about $3,000 for each covered system or appliance.
For more information, read our comprehensive review of Liberty Home Guard. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
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 Ramsey, Cinch Home Services is the home warranty with the best workmanship guarantee. The 3 home warranty plans that Cinch offers include options for appliance and system coverage. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also 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. The coverage caps associated with Cinch's plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
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 Cinch Home Services full 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 Ramsey
A home warranty is a plan that can help homeowners save money on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Ramsey home comfortable and convenient. When they start to break down, it can be pricey and a nuisance. Luckily, with a home warranty plan, an affordable repair is just a phone call away.
For Ramsey homeowners, when an issue arises with a covered appliance or system, it is very straightforward to file a claim. Most home warranty companies have an online portal system where a claim can be filed. At this point, you will pay the service fee, which is typically between $60 and $150 depending on what plan you opt for. After the service fee is paid, a repair person will come to your home, assess the issue, and repair it. If the repair is covered under the warranty and the coverage cap is not reached, most homeowners will not have any other out-of-pocket costs after the service fee is paid.
A home warranty plan will cover systems and appliances that have stopped working from normal wear and tear. For instance, if your washing machine suddenly needs repairs 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 dryer, refrigerator, garbage disposal, microwave, dishwasher, washer, and more. The systems that are most commonly covered will be heating systems, electrical systems, air conditioners, plumbing systems, and hot water heaters. You can also opt to pay extra for add-on coverage for items like spas, roof warranty, septic systems, and swimming pools.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things such as cosmetic damages, misuse, pre-existing conditions, and lack of maintenance are not included in the home warranty policy.
Ramsey's frigid winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the necessary repairs, saving you from spending a lot of money out of pocket.
Another added benefit of having home warranty coverage is that it can raise 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 company you have your home warranty with.
There are also some drawbacks to getting a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty. 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.
Although home warranties do have some things to bear in mind, no matter the season, a home warranty can help lower the inevitable hassle of home appliances and system repairs, giving you some peace of mind.
Hopefully, you now feel like you can choose the right home warranty for your Ramsey home. Choice Home Warranty is the best overall home warranty provider in Ramsey. It offers comprehensive coverage of all the essential home systems and appliances at an affordable cost with several add-on options.
The top home warranty company in Ramsey is Choice Home Warranty. Choice Home Warranty has an expansive network of professional repair technicians and a great reputation in the Ramsey area.
First-time home buyers, real estate agents, landlords, homeowners, and home sellers can all get home warranty plans. A home warranty can help make your property 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 policy in Ramsey. Everything from a oven to a garage door can be covered under a home warranty.
The service fee is the price homeowner pay every time there's an issue with a home system or appliance. The service fees are usually priced between $60 and $150.
Many homeowners feel like a home warranty is a good investment because it helps protect against unforeseen expenses. If you're worried about your budget and your ability to keep your home in good working order, a home warranty can help. One of the major positives of a home warranty is that it can offer you some financial peace of mind.
