When one of your systems or appliances breaks down, 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.
Albemarle gives homeowners some great housing options. However, unanticipated repair and replacement costs on your home's systems and appliances can get quite expensive.
Even though a home warranty can help with your homeowner headaches, one issue is narrowing down the right choice for your Albemarle home. That's why we've done the research and have put together a list of the best home warranty options in Albemarle.
The first step in protecting your home with a home warranty is determining which provider's plan is the best for you. Consider the items in your home you'd like coverage for and compare the policies. 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 offers the best overall home warranty in Albemarle. With a home warranty from Choice, you can benefit from 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 are easy to comprehend and offer both system and appliance coverage.
Choice Home Warranty has 2 plans that provide a mix of appliance and system coverage. The coverage caps associated with Choice's plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To read more, visit our detailed review of Choice Home Warranty. To get a free quote from Choice Home Warranty, 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 in Albemarle. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it 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 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 read more, visit our review of Select Home Warranty. To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
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 Albemarle. AHS has been in the home warranty industry for over 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 home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
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. For a more detailed breakdown, read our review of American Home Shield.
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 in Albemarle. HSC has around 14 years of experience in the home warranty market and in that time has built a impressive network of service technicians nationwide. When you buy a home warranty 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 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. The coverage caps associated with HSC's plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To read more, visit our comprehensive review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 offers the most trustworthy home warranty in Albemarle. 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. Liberty has 3 simple plans, making the selection process and policy coverage easily comprehensible.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Albemarle area.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our Liberty Home Guard Review.
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 Albemarle, First American Home Warranty offers the best home warranty for appliance coverage. First American has established itself as a company with very affordable and comprehensive appliance coverage. It 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 2 home warranty plans that First American has include options for appliance and system coverage.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also typically around $1,500 at the maximum.
For a more detailed breakdown, read our detailed review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 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
Cinch Home Services is the home warranty with the best workmanship guarantee for Albemarle residents. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. With a home warranty from Cinch, you can benefit from 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 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 lower than other providers in the Albemarle area.
For more information on this provider, read our detailed review of Cinch Home Services. To receive 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 Albemarle
A home warranty is a service contract that cuts back on the cost of repairs when one of your home systems or appliances experiences a problem. 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.
For Albemarle homeowners, when a problem happens with a covered appliance or system, it is very straightforward to file a claim. Most home warranty providers have an online portal system where you can submit a claim. The claim is then processed, and a homeowner will pay a service fee to schedule the repair for their home. This repair will usually occur within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees are between $60 and $150.
Home warranties help protect your home systems and appliances. A home warranty can cover repair and replacement-related costs that are a result of normal wear and tear. The appliances a home warranty typically covers include a clothes washer, cooktop, dishwasher, clothes dryer, microwave, stove, refrigerator, and more. The systems included are the water heater, plumbing, air conditioner, electrical, heating system, and more. You can also optionally decide to pay a bit extra for add-on coverage for items like swimming pools, roof warranty, spas, and septic systems.
Albemarle homeowners should be aware that a home warranty policy will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like cosmetic issues, misuse of a system or appliance, pre-existing conditions, or natural disasters. You must keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related complication will be covered by the policy.
Home warranty plans are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Albemarle reaching upward of 70 degrees in the summer, you may find that certain appliances, like your air conditioning system, get a lot of use. A home warranty can remarkably decrease your out-of-pocket expenses should your HVAC system stop working.
Plus, having a Albemarle home warranty can make your house more appealing to potential home buyers should 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 same protection you've been benefiting from.
One drawback of signing up for a home warranty is that there are generally exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it's important to read through the contracts you're considering thoroughly to get a sense of what is included and what isn't. Another drawback is that home warranties may exclude some repairs, like those that are needed because of natural disasters. For example, if your house floods, the systems and appliances that were affected most likely won't be covered by the home warranty.
Although home warranties do have some downsides, whether during winter, summer, or the months in between, a home warranty can help reduce the inevitable cost of home appliances and system repairs, giving you some peace of mind.
Hopefully, this review of Albemarle's best home warranty companies has helped you narrow down your choices and ultimately decide on a plan. Choice Home Warranty stands out as the best overall home warranty. It offers comprehensive coverage of all the essential home systems and appliances at an affordable cost with several add-on options.
The best overall home warranty company in Albemarle is Choice Home Warranty but the right company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty is a contract that covers repairing and replacing major home system components and appliances.
Most home warranty policies have a 30-day waiting period before you can file claims, but some may offer coverage sooner so be sure to check with the company about this.
A home warranty will cover repair and replacement costs for home systems and appliances. Home warranties will not cover the intentional breaking of an appliance or pre-existing conditions.
Most home warranties are going to cover replacement costs in addition to repair costs. The coverage cap 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.
A service fee is a cost that must be paid 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 have with a home warranty except for the policy's premium.
