7 Best Home Warranty Companies
in Clarksdale, MS

by House Method Local Advisors - Updated September 1, 2022

A home warranty in Clarksdale can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.

With hot summers, working home appliances and systems, especially HVAC, are very important for homeowners in the Clarksdale area of Mississippi.

Even though a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the perfect choice for your Clarksdale home. That's why we've done the research and have compiled a guide of the top home warranty options in Clarksdale.

Best Overall
Choice Home Warranty logo
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
4.85
GET QUOTE
Most Affordable
Select Home Warranty logo
  • Low service fees compared to other home warranty providers
  • Two months of free coverage
  • Has an appliance-only, systems-only, and combo plan option
4.8
GET QUOTE
Best Customizable Plans
American Home Shield logo
  • 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
4.75
GET QUOTE

Choosing a home warranty company in Clarksdale

Once you're ready to purchase a home warranty policy, the first step is deciding what items you want coverage for. After that, you can compare your options and contact different home warranty providers for a free quote. Here is a list of some factors to consider when buying a home warranty in Clarksdale:

Quick reference for home warranty companies in Clarksdale

Choice Home Warranty
$45.00 - $53.33/month
14 years in business
GET ESTIMATE
Select Home Warranty
$57.67 - $62.08/month
10 years in business
GET ESTIMATE
American Home Shield
$29.27 - $74.27/month
25 years in business
GET ESTIMATE
The Home Service Club
$50.40 - $62.90/month
14 years in business
GET ESTIMATE
Liberty Home Guard
$69.99 - $79.99/month
5 years in business
GET ESTIMATE
First American Home Warranty
$38.00 - $48.50/month
38 years in business
GET ESTIMATE
Cinch Home Services
$34.99 - $67.99/month
43 years in business
GET ESTIMATE

Home Warranty Company and Plan Details

If own a home in Clarksdale, you have access to some of the top home warranty companies in the nation. House Method has done hours of research to help you find the right home warranty for your home. Our decisions are based on several factors including workmanship guarantee, coverage limits, customer reviews, providers and their coverages, time in business, add-on options, policy plans, monthly costs, and more for accuracy. Here's how Clarksdale's top providers ranked:
  1. Choice Home Warranty - Best Overall
  2. Select Home Warranty - Most Affordable
  3. American Home Shield - Best Customizable Plans
  4. The Home Service Club - Quickest Service
  5. Liberty Home Guard - Most Trustworthy
  6. First American Home Warranty - Best Appliance Coverage
  7. Cinch Home Services - Best Workmanship Guarantee

Choice Home Warranty

4.85

Best Overall

Choice Home Warranty logo
MONTHLY COST $45.00 - $53.33
YEARS IN BUSINESS 14
GET ESTIMATE
929-400-6164

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 Clarksdale, Choice Home Warranty offers the best overall home warranty. Choice has over 14 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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 plans for you to choose from.

Choice Home Warranty has 2 plans that provide a mix of system and appliance 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 provider. Service fees are an affordable $85.

To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty Review.

Home Warranty Plans from Choice Home Warranty

Basic Plan
Service fee: $85.00 Monthly cost: $45.00 Items covered: Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater Add-on items: Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer
Total Plan
Service fee: $85.00 Monthly cost: $53.33 Items covered: Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater, AC, Washer, Dryer, Refrigerator Add-on items: Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer

Select Home Warranty

4.8

Most Affordable

Select Home Warranty logo
MONTHLY COST $57.67 - $62.08
YEARS IN BUSINESS 10
GET ESTIMATE
888-370-3953

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 for Clarksdale residents. Select has 3 simple plans, making the selection process and policy coverage easily comprehensible. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you'll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.

The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are around the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.

Read more by visiting our review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.

Home Warranty Plans from Select Home Warranty

Bronze Care Plan
Service fee: $60.00 Monthly cost: $57.67 Items covered: Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks
Gold Care Plan
Service fee: $60.00 Monthly cost: $57.67 Items covered: Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks
Platinum Care Plan
Service fee: $60.00 Monthly cost: $62.08 Items covered: Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater, Ceiling fan, Garage door, Plumbing stoppages Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks

American Home Shield

4.75

Best Customizable Plans

American Home Shield logo
MONTHLY COST $29.27 - $74.27
YEARS IN BUSINESS 25
GET ESTIMATE
888-365-2839

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 is the most customizable home warranty for Clarksdale residents. AHS has been in the home warranty industry for around 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 easy to comprehend and have a mix of both system and appliance coverage.

There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are around the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.

To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our detailed review of American Home Shield to learn more.

Home Warranty Plans from American Home Shield

ShieldSilver
Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27 Items covered: Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Locksmith, Plumbing, Plumbing stoppages, Toilet, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump
ShieldGold
Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Washer, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump
ShieldPlatinum
Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Locksmith, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Roof leaks, Toilet, Trash compactor, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump

The Home Service Club

4.7

Quickest Service

The Home Service Club logo
MONTHLY COST $50.40 - $62.90
YEARS IN BUSINESS 14
GET ESTIMATE
800-750-9443

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 Clarksdale residents. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. When you purchase a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.

The Home Service Club offers 2 plans for Clarksdale homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with HSC's plans are close to the $2,000 mark for many of the major systems and appliances, and 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. For a more detailed breakdown, read our detailed review of The Home Service Club.

Home Warranty Plans from The Home Service Club

Standard Coverage Plan
Service fee: $60.00 - $95.00 Monthly cost: $50.40 Items covered: Air conditioner, Ceiling fan, Dishwasher, Garbage disposal, Dryer, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Plumbing, Refrigerator, Trash compactor, Central vacuum, Washer, Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer
Comprehensive Coverage Plan
Service fee: $60.00 - $95.00 Monthly cost: $62.90 Items covered: Air conditioner, Alarm wiring, Attic fans, Ceiling fan, Dishwasher, Garbage disposal, Doorbell, Dryer, Ductwork, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Pest control, Phone, Plumbing, Plumbing stoppages, Refrigerator, Sump pump, Toilet, Trash compactor, Central vacuum, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer

Liberty Home Guard

4.65

Most Trustworthy

Liberty Home Guard logo
MONTHLY COST $69.99 - $79.99
YEARS IN BUSINESS 5
GET ESTIMATE
866-451-2281

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 Clarksdale residents. Liberty has been in the home warranty industry for over 5 years. 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. The 3 plans from Liberty are easy to understand and offer both system and appliance coverage.

The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are close to the $3,000 mark for most major systems and appliances, and 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. Read more by visiting our Liberty Home Guard Review.

Home Warranty Plans from Liberty Home Guard

Appliance Guard
Service fee: $75.00 Monthly cost: $69.99 Items covered: Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer Add-on items: Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser
Systems Guard
Service fee: $75.00 Monthly cost: $74.99 Items covered: Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater Add-on items: Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser
Total Home Guard
Service fee: $75.00 Monthly cost: $79.99 Items covered: Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer, Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater Add-on items: Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser

First American Home Warranty

4.5

Best Appliance Coverage

First American Home Warranty logo
MONTHLY COST $38.00 - $48.50
YEARS IN BUSINESS 38
GET ESTIMATE
833-204-7164

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 in Clarksdale. When you purchase a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage.

The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Clarksdale area.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read our review of First American Home Warranty to learn more.

Home Warranty Plans from First American Home Warranty

Basic Plan
Service fee: $85.00 Monthly cost: $38.00 Items covered: Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Microwave, Oven, Refrigerator, Trash compactor, Washer, Water dispenser Add-on items: Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade
Premier Plan
Service fee: $85.00 Monthly cost: $48.50 Items covered: Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Vacuum, Water heater, Washer, Water dispenser Add-on items: Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade

Cinch Home Services

4.35

Best Workmanship Guarantee

Cinch Home Services logo
MONTHLY COST $34.99 - $67.99
YEARS IN BUSINESS 43
GET ESTIMATE
877-589-0505

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 Clarksdale, Cinch Home Services offers the home warranty with the best workmanship guarantee. The 3 plans from Cinch are easy to understand and offer both system and appliance coverage. When you buy a plan 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 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000.

To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our thorough review of Cinch Home Services.

Home Warranty Plans from Cinch Home Services

Appliances Plan
Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99 Items covered: Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer Add-on items: Pool, Septic, Well pump
Built-in Systems Plan
Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99 Items covered: Air conditioner, Smoke alarm, Attic fans, Bath exhaust fans, Ceiling fans, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Plumbing, Plumbing stoppages, Septic tank pumping, Spa, Sump pump, Toilet, Vacuum, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Septic, Well pump
Complete Home Plan
Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Food center, Free-standing ice maker, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Septic tank pumping, Spa, Sump pump, Toilet, Trash compactor, Vacuum, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Septic, Well pump

Additional home warranty information

Cost to replace or repair common home appliances and repair damages in Clarksdale

AIR CONDITIONER
$5,513 HEATING
$3,676 ELECTRICAL
$551 TOILETS
$459 WASHER/DRYER
$735 PLUMBING
$551 OVEN/STOVE
$1,470 FRIDGE
$551

Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.

Looking to save big when things go wrong?

Get a free quote from our #1 recommended provider in Clarksdale

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What is a home warranty?

A home warranty is a protection plan that makes it more affordable when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to stick to their budget and don't want to dip into 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.

When one of your systems or appliances has a problem, you file a claim with your home warranty provider. You can do so in an online portal or by telephone, and then a contractor will come and fix the problem. At this point, you will pay the service fee. Service fees for home warranty customers range from $60 to $150. Most home warranty plans also have a coverage cap, which is the maximum cost per year that the home warranty plan will cover for repairs and replacements.

What does a home warranty cover?

Home warranty plans help protect both your home systems and appliances. A home warranty can cover repair and replacement-related expenses that are a result of normal wear and tear. The appliances include a clothes dryer, cooktop, dishwasher, stove, refrigerator, microwave, clothes washer, and more. The systems included are the water heater, plumbing, heating system, electrical, air conditioner, and more. Add-on coverage will vary from one plan to another, but you can expect to see add-ons like spas, electronics, central vacuums, sump pumps, roof leaks, and pools.

Clarksdale homeowners should know that a home warranty will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like misuse of a system or appliance, natural disasters, pre-existing conditions, or cosmetic issues. You must keep up with preventative maintenance on your home systems and appliances to be sure that your next repair or replacement-related problem will be covered by the policy.

Is a home warranty worth it in Clarksdale?

Benefits of a home warranty

Temperatures in Clarksdale can get quite high in the summer, which means your air conditioner is most likely going to get a good bit of use. As a homeowner in Clarksdale, one benefit of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.

A home warranty can also give value in other ways. For instance, some policies can be transferred between owners when you sell your home.

Downsides of a home warranty

One drawback of buying a home warranty is that there are often exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it's important to read through any contracts you're considering carefully to understand what is included and what isn't. 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 rejected, so it's important to carefully follow the manufacturer's guidelines for maintenance of your home systems and appliances.

Owning a home is a big responsibility that can be costly, but rewarding. A home warranty is one thing that can help with your home maintenance budget, but whether or not it's worth it for you is something you'll have to weigh before taking the leap and purchasing a policy.

Final Thoughts

Hopefully, you now feel like you can choose the best home warranty for your Clarksdale home. Choice Home Warranty is the best overall home warranty provider in Clarksdale. It offers comprehensive coverage at an affordable monthly cost. However, other options mentioned above also give great coverage choices for Clarksdale residents.

Best Overall
Choice Home Warranty logo
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
4.85
GET QUOTE
Most Affordable
Select Home Warranty logo
  • Low service fees compared to other home warranty providers
  • Two months of free coverage
  • Has an appliance-only, systems-only, and combo plan option
4.8
GET QUOTE
Best Customizable Plans
American Home Shield logo
  • 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
4.75
GET QUOTE

Home Warranty FAQs

What's the best home warranty company?

Our pick for the best overall home warranty company in Clarksdale is Choice Home Warranty but the perfect company for you will vary based on factors like what appliances and systems you need coverage for.

What's the purpose of a home warranty?

A home warranty is a kind of service contract that provides homeowners extra coverage for their household systems and appliances. These include refrigerators, garbage disposals, dishwashers, dryers, washing machines, plumbing, heating and cooling systems, electrical systems, water heaters, and sump pumps, among others. Some policies also offer coverage for ceiling fans, garage door openers, pools, and roofs. A home warranty can help you save money if these items fail unexpectedly.

How is a home warranty different from homeowners insurance?

Home warranty plans cover issues with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a larger plan that protects your entire home from natural disasters and fires. It doesn't cover typical appliance or system breakage.

Can you use a home warranty immediately after purchasing it?

Most home warranties 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.

Do home warranty policies cover all repair and replacement costs?

Home warranties cover the cost of repairs and replacements as long as 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 the rest out of pocket.

How do service fees work?

A service fee is a cost that you must pay before a repair technician or contractor comes to your home to fix your home warranty-related problem. The pricing is typically between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket cost that homeowners have with a home warranty except for the policy's premium.

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