A home warranty is a way to protect your bank account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be remarkably lower and give you some peace of mind.
There are many great things abouts owning a home in Melissa. But, major home systems and appliances, like your plumbing and refrigerator, can break down due to normal wear and tear, leaving you with pricey repairs.
Even though a home warranty can help with your homeowner concerns, one issue is narrowing down the right choice for your Melissa home. That's why we've done the research and have put together a guide of the best home warranty options in Melissa.
The first step in protecting your property with a home warranty is determining which provider's plan fits your needs. Figure out which items in your home you want coverage for and compare the plans. Here is a list of factors that you'll want to take into consideration when picking 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 Melissa residents. Choice has been in business for about 14 years, making it a respected company in the industry. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. When you buy a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Melissa area.
Read our review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 offers the most cost-effective home warranty for Melissa residents. Select has 3 plans for homeowners to decide between. When you purchase a policy 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 Home Warranty has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with Select's plans are around the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
For a more detailed breakdown, read our Select Home Warranty full review. To receive a free quote from Select Home Warranty, 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
In Melissa, American Home Shield is the most customizable home warranty. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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.
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 get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information on this provider, 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
In Melissa, The Home Service Club is the best home warranty with the quickest service. The 2 policies that HSC has include differing levels of system and appliance coverage, as well as add-on options. 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 system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting our comprehensive 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 for Melissa residents. Liberty has been in business for over 5 years, making it a highly regarded company in the industry. 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. Liberty offers 3 plans for homeowners to decide between.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000.
For more information, read our review of Liberty Home Guard. To get 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
In Melissa, First American Home Warranty offers the best home warranty for appliance coverage. First American has been on the market for more than 38 years, making it a well-regarded company in the industry. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, it 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 provider offers 2 plans to policyholders that have various system and appliance coverage options.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit our review of First American Home Warranty.
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 Melissa, Cinch Home Services is the home warranty with the best workmanship guarantee. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. When you purchase 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch's service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 for each covered appliance or system.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our review of Cinch Home Services to learn more.
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 Melissa
A home warranty is a protection plan that helps homeowners account for the high costs of appliance and systems repairs. Home warranties will cover a number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty is one thing that can make it easier to budget and manage your finances. Home warranty plans typically have a thirty-day waiting period from the time you purchase to the time you can file your first claim.
When you notice a problem with one of your appliances or systems, you can file a claim with your home warranty provider. Then, a customer service representative will contact you about a repair technician coming over to look at the issue. Once you submit the claim, it will be assigned to a local service technician that will come to your home and assess the issue. At this point, you pay the service fee. Service fees generally range in price from around $60 to $150 and this is the only out-of-pocket fee you will have to pay unless the repair cost is more than your home warranty's coverage limit.
Home warranties help protect both home systems and appliances. A home warranty can cover repairs and replacements that are a result of normal wear . The appliances typically covered under a home warranty include refrigerator, clothes dryer, garbage disposal, dishwasher, microwave, clothes washer, and more. The systems usually included are electrical systems, ductwork, plumbing systems, air conditioners, and hot water heaters. Many home warranty plans also have add-on coverage options like central vacuum, locksmith, roof leaks, and even septic systems.
A home warranty will only cover normal wear and tear that occurs on your home systems and appliances. Things like misuse, pre-existing conditions, lack of maintenance, and cosmetic damages are not included in the home warranty policy.
Since temperatures in Melissa can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Getting a home warranty plan can help homeowners save money if one of these systems or appliances breaks down suddenly.
Another added benefit of having home warranty coverage is that it can raise your home's property 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 provider you have your home warranty with.
As for the negatives of home warranties, home system and appliance coverage varies by company so it's important to understand what each plan covers and doesn't include in the contract. Another drawback is that home warranties may not include some repairs, like those due to natural disasters. For example, if your house floods, the systems and appliances that were impacted most likely won't be covered by the home warranty.
Homeownership is a big responsibility that can be costly, but fruitful. A home warranty is one thing that can help ease the costs of home maintenance, but its worth for you is something you'll have to consider before taking the leap and getting a policy.
A home warranty in Melissa can save you a lot of money and offer you peace of mind when it comes to pricey home repairs and replacements. Choice Home Warranty stands out as the best overall choice. Its comprehensive coverage, affordable pricing, and ease of use make it a great home warranty for Melissa homeowners.
The best overall home warranty provider in Melissa is Choice Home Warranty but the perfect company for you will depend on factors such as what appliances and systems you need coverage for.
Home warranties cover problems related to systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a different insurance that protects the entire home from situations like natural disasters and fires. It doesn't cover typical appliance or system breakage.
Usually coverage for a home warranty plan begins 30 days after the payment receipt. However, a few providers may let you make a service request before this, so verify with customer service to find the exact waiting period for your case.
The service fee is the price you pay every time there's an issue with a home system or appliance. The service fees are usually between $60 and $150.
A home warranty plan can cost on average anywhere from about $300 to $800 a year in Melissa. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. Additionally, it's usually 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.
