A home warranty can offer you the peace of mind you need about your home and safeguard your savings account from large expenses by covering your home's major systems and appliances.
Many living in Napoleon have fulfilled their dream of homeownership. However, as great as Napoleon can be, there are always downsides that come with owning a home, such as keeping your home's systems and appliances maintained.
Although a home warranty can help with your expenses as a homeowner, one issue is narrowing down the best choice for your Napoleon home. That's why we've done the research and have made a list of the best home warranty companies in Napoleon.
Now that you're ready to purchase a home warranty plan, the first step is figuring out what items you want coverage for. After that, you can compare plans and contact different home warranty providers for a free quote. Here is a list of factors that you'll want to take into consideration when choosing a home warranty provider:
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 Napoleon residents. Choice has over 14 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Napoleon homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice's service fees are an affordable $85, and the coverage limits come out to about $3,000 per covered system or appliance.
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 thorough 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 Napoleon. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. 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.
Select Home Warranty has 3 plans that provide a mix of system and appliance coverage. 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. For more information on this provider, read 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
In Napoleon, American Home Shield offers the most customizable home warranty. The 3 plans that AHS has include options for appliance and system coverage. When you buy 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.
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 most major systems and appliances, and 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 give them a call at 888-365-2839. For a more detailed breakdown, read our American Home Shield Review.
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 Napoleon. The 2 plans from HSC are comprehensive and offer a mix of both system and appliance coverage. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it 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 has 2 plans that offer a mix of appliance and system coverage. The coverage caps associated with HSC's plans are around the $2,000 mark for many 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 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 is the most trustworthy home warranty in Napoleon. Liberty has been operating for more than 5 years, making it a highly regarded company in the industry. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. 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. Service fees from Liberty are an affordable $75. The coverage caps are also typically around $3,000.
To read more, visit our detailed review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, you can fill out this online form or call 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 is the best home warranty for appliance coverage in Napoleon. First American has been in the home warranty business for over 38 years. 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 home warranty company offers 2 plans to policyholders that have various system and appliance coverage options.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are a reasonable $85.
Read more by visiting our full review of First American Home Warranty. 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Napoleon residents. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
Read more by visiting our Cinch Home Services Review. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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 Napoleon
A home warranty is a protection plan for home systems and appliances. When your washer or dryer breaks down and the repair will cost several hundred dollars, a home warranty will make sure that your only responsibility is a predetermined service fee. Home warranty coverage often starts without an inspection and you can generally start using it about thirty days after making your first payment.
For Napoleon homeowners, when a problem arises with a covered appliance or system, it is very easy to file a claim. Most home warranty companies have an online portal system where a claim can be submitted. The claim is then processed, and a homeowner will pay a service fee to schedule the repair for their home. This repair will generally happen 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.
A home warranty in Napoleon usually covers the main systems and appliances in your house. The appliances covered include a clothes washer, clothes dryer, refrigerator, stove, microwave, cooktop, dishwasher, and more. The systems included are the plumbing, heating system, electrical, air conditioner, water heater, and more. You can also decide to pay a bit extra for add-on coverage for items like roof warranty, spas, swimming pools, and septic systems.
Napoleon homeowners should understand 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 pre-existing conditions, misuse of a system or appliance, natural disasters, or cosmetic issues. You have to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related issue will be covered by the policy.
Napoleon is known for its cold winters, and if you live in Napoleon, you know that the weather can be unpredictable. During the winter months, your heating system can be overloaded in its effort to combat the cold. In the event that your heater did give out, a home warranty can cover the repairs and help bring down your out-of-pocket expenses.
Additionally, having a Napoleon home warranty can make your house more attractive to potential home buyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you've been benefiting from.
Home warranties also have some downsides. Although it can be convenient that the home warranty sends out a contractor who takes care of the repair for you, some people may not like this, and they would prefer to choose a contractor themselves. If that's the case for you, some home warranty companies let you choose a contractor. Another downside is that home warranties may exclude some repairs, such as those due to natural disasters. For example, if your house floods, the systems and appliances that were affected probably won't be covered by the home warranty.
It's not always easy to budget for the unexpected expenses that can come with homeownership, but a home warranty can help you with that. Like any other warranty or insurance policy, there will always be advantages and disadvantages of getting one but its main purpose is to provide protection and peace of mind.
Hopefully, you now feel like you can choose the right home warranty for your Napoleon home. Choice Home Warranty stands out as the best overall company. Its comprehensive coverage, fair pricing, and easy to understand policies make it a great home warranty for Napoleon homeowners.
The best home warranty provider in Napoleon is Choice Home Warranty. Choice Home Warranty has a large network of experienced service technicians and a great reputation in the Napoleon area.
Home warranty policies 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 different plan that protects your entire home from natural disasters and fires. It doesn't cover normal appliance or system breakage.
A home warranty will cover 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.
A service fee is an expense that you pay before a repair technician or contractor comes to your home to fix your home warranty-related problem. Prices typically range between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty apart from the policy's premium.
A home warranty can cost on average anywhere from about $300 to $800 a year in Napoleon. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. Additionally, it's typically less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best price is.
