When one of your systems or appliances breaks down, a home warranty will help you cover the costs. A home warranty plan can give homeowners the peace of mind they need to feel less anxious about homeownership.
Columbia gives homeowners some great housing options. However, unplanned repair and replacement costs on your home's systems and appliances can get quite costly.
Even though a home warranty can help with your homeowner expenses, one pain point is narrowing down the right choice for your Columbia home. That's why we've done the research and have compiled a list of the best home warranty options in Columbia.
When you're ready to buy a home warranty policy, the first step is considering what items you need coverage for. After that, you can compare your options and contact different home warranty providers for a free quote. Before making your final decision, here are a few additional factors to keep in mind:
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 Columbia residents. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the plan for you. Plus, it 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 and policy coverage easily understandable.
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 about $3,000.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty full 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
Select Home Warranty is the most cost-effective home warranty in Columbia. When you buy a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select offers 3 plans for you to decide between.
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 be sure to check with the provider. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our review of Select Home Warranty 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 Columbia, American Home Shield is the most customizable home warranty. AHS has been on the market for around 25 years, making it a well-regarded company in the industry. When you purchase a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield 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 offer a mix of both system and appliance coverage.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Columbia area.
To read more, visit our full 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
In Columbia, 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 industry, and has provided excellent customer service at an affordable cost to its customers. When you purchase a plan 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 2 plans from HSC are easily comprehensible and have a mix of both system and appliance coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $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 $65 to $90.
Read more by visiting our The Home Service Club full review. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
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 Columbia residents. Liberty has 3 simple plans, making the selection process quick and easy. 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.
There are 3 home warranty plans from Liberty Home Guard: 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 read more, visit our comprehensive review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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
First American Home Warranty offers the best home warranty for appliance coverage for Columbia residents. 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. First American offers 2 plans for you to choose from.
First American Home Warranty has 2 plans that provide a combination of system and appliance coverage. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is less than other providers in the Columbia area.
Read our review of First American Home Warranty to learn more. To get a free quote from First American Home Warranty, 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
In Columbia, Cinch Home Services is the home warranty with the best workmanship guarantee. The home warranty provider offers 3 plans to policyholders with various 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.
Cinch Home Services has 3 plans that offer a mix of appliance and system coverage. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Columbia area.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information, read our thorough 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 Columbia
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 have the 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.
For Columbia homeowners, when a problem happens with a covered appliance or system, it is very simple to file a claim. Most home warranty companies have an online portal system where a claim can be filed. Once you file the claim, it will be assigned to a local service technician that will come to your home and assess the problem. At this point, you pay the service fee. Service fees usually range in price from around $60 to $150 and this is the only out-of-pocket cost you will have to pay unless the repair cost is higher than your home warranty's coverage limit.
Home warranties help protect your home systems and appliances. A home warranty can cover repairs and replacements that are due to normal wear . The appliances include a refrigerator, clothes washer, stove, cooktop, clothes dryer, microwave, dishwasher, and more. The systems included are the electrical, plumbing, water heater, air conditioner, heating system, and more. The add-on coverage options can include spa, pool, roof leak, septic system, and sometimes even things like locksmith or pest control.
A Columbia home warranty will only protect against normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, intentional breakages, and natural disasters are not covered with a Columbia home warranty.
Columbia's mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty is designed to 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 repairs, saving you from spending unexpected money out of pocket.
Additionally, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your house more attractive to potential home buyers and maybe even make your home sell faster.
One major drawback of a home warranty is not everything may be covered. It's important to research the different policies and purchase one that covers all the appliances, systems, and add-ons you need. Another stipulation is that home warranties typically only cover damage from normal wear and tear. They most likely won't cover home systems or appliances that have need repairs or replacements due to animal infestations, natural disasters, improper maintenance, etc.
Whether or not a home warranty is worth it comes down to your personal situation. Like any other sort of insurance policy or warranty, its purpose is to offer you some peace of mind, so you will have to be the judge of how much that is worth to you.
We hope you now feel positive that you can choose a home warranty in Columbia after reading our reviews. Choice Home Warranty is the best overall home warranty company in Columbia. It offers great and comprehensive coverage of all the essential home appliances and systems at an affordable cost with several optional add-ons.
Our pick for the best overall home warranty provider in Columbia is Choice Home Warranty but the right company for you will vary based on factors like what appliances and systems you need coverage for.
A home warranty is a contract that covers the repairs and replacements of major home systems and appliances.
Usually coverage for a home warranty begins 30 days after payment. However, a few companies may allow you to file a claim before this, so check with customer service to find the exact waiting period for your case.
A home warranty policy covers repair and replacement costs for systems and appliances in a home. Home warranties will not cover the intentional breaking of an appliance or something that happened as a result of a pre-existing condition.
Most home warranties cover replacement costs as well as repair costs. How much the coverage cap is varies from one plan to the next. You can expect that home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
The service fee is the price you pay every time there's an issue with a system or appliance. The service fees are typically priced between $60 and $150.
