A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Prosper gives homeowners some great living options and the opportunity to enjoy the sun all year round. However, those extreme temperatures can put quite a strain on your home's systems.
Even though a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the perfect choice for your Prosper home. That's why we've done the research and have made a guide of the top home warranty options in Prosper.
Choosing the best provider for your home warranty is the first step toward protecting your property. Below are some factors to consider when looking for a home warranty in Prosper:
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 Prosper residents. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also 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 quick and easy.
Choice Home Warranty offers 2 plans for Prosper homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Prosper area.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our 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 is the most cost-effective home warranty for Prosper residents. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select offers 3 plans for homeowners to decide between.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Prosper area.
For a more detailed breakdown, read our detailed review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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 for Prosper residents. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, this is the plan for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our detailed 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 Prosper, The Home Service Club offers the best home warranty with the quickest service. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage 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 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 per covered system or appliance.
For more information, read our The Home Service Club Review. 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 Prosper. The 3 plans from Liberty are easily comprehensible and offer a mix of both system and appliance coverage. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
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.
Read our Liberty Home Guard Review to learn more. 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
First American Home Warranty offers the best home warranty for appliance coverage in Prosper. First American has been in the home warranty business for over 38 years. First American has 2 simple plans, making the selection process and policy coverage easily comprehensible. When you buy a policy 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 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 give them a call at 833-204-7164. For a more detailed breakdown, read our full 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
Cinch Home Services is the home warranty with the best workmanship guarantee for Prosper residents. With a home warranty from Cinch, you can enjoy 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 home warranty provider offers 3 plans to policyholders with various system and appliance coverage options.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$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 $75 to $150.
For a more detailed breakdown, read our Cinch Home Services full review. 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 Prosper
A home warranty is a protection plan that covers home systems and appliances. When your washer or dryer breaks down and the repair costs several hundred dollars, a home warranty will make sure that you're only responsible for a predetermined service fee. Home warranty coverage often starts without an inspection and you can generally start using it about thirty days after purchasing the policy.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty company. Most companies have an online portal system where you can do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. At this point, you will also have to pay your service fee. Once the contractor looks at the issue, they will take care of it at no cost to you. The only time a Prosper homeowner may have to pay out-of-pocket costs is if the repair or replacement is more than the item's coverage cap.
A home warranty will cover systems and appliances that have stopped working due to normal wear and tear. For instance, if your dishwasher suddenly needs repairs under normal use conditions, this is a perfect time to call your home warranty provider. The appliances usually covered under a home warranty plan are the dryer, dishwasher, washing machine, microwave, refrigerator, oven, and more. System coverage typically includes electrical systems, plumbing, air conditioning, water heaters, heating systems, and more. Many plans also provide add-on coverage options like central vacuum, locksmith, roof leaks, and even septic systems.
An important thing to consider is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things such as misuse, pre-existing conditions, cosmetic damages, and lack of maintenance are excluded from the home warranty policy.
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Not to mention, having a home warranty can save you time by getting rid of the need to research service technicians--most providers will send a trusted professional right to your door to do the repair or replacement.
Home warranties also have some cons. Though it can give you less to worry about since the home warranty sends out a contractor who does the repair for you, some homeowners may not like this, and they would prefer to select their own contractor. If that's important to you, some home warranty plans let you select a contractor. Another potential pain point of home warranties is that they don't cover systems or appliances that haven't been properly maintained. This can lead to your claims being denied, so it's important to carefully follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Whether or not a home warranty is worth it ultimately comes down to your personal situation. Like any other kind of insurance policy or warranty, its purpose is to give you some peace of mind, so you will have to decide how much that is worth to you.
A home warranty can save you a lot of money on home repairs and offer you peace of mind as a homeowner in Prosper. Choice Home Warranty stands out as the best overall company. With its comprehensive plans, affordable pricing, and a good history in the industry, Choice Home Warranty has a lot to offer.
The best home warranty provider in Prosper is Choice Home Warranty. Choice Home Warranty has a large network of professional service technicians and a great reputation in the Prosper area.
A home warranty is a contract that covers repairing and replacing major home system components and appliances.
A home warranty plan covers the normal wear of systems and appliances in a home. A homeowners insurance plan protects the entire home in case of something like a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim if you need a new dryer or oven, unless the damage is a result of a natural disaster.
Usually coverage for a home warranty plan begins 30 days after the payment receipt. However, a few companies may allow you to make a service request before this, so verify with customer service to find the exact waiting period for your situation.
Home warranties cover the cost of repairs and replacements as long as it is within the coverage limits of the plan. If the replacement costs more than the home warranty plan covers, you will have to pay the rest out of pocket.
