When one of your systems or appliances stops working, 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.
Mechanicsville gives homeowners some beautiful housing options. However, unexpected repair and replacement costs on your home's systems and appliances can get quite pricey.
Finding the best home warranty on the market can be quite time-consuming since there are dozens of companies to decide between. That's why the House Method team did the research and compiled a list of the best home warranty companies in Mechanicsville for you.
The first step in protecting your real estate investment with a home warranty is determining which company's plan fits your needs. Figure out which items in your home you want coverage for and compare the policies. Here is a list of factors that you'll want to consider 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 Mechanicsville residents. The 2 policies that Choice has include differing levels of system and appliance coverage, as well as add-on options. If you're looking for very high coverage caps and simple-to-understand service contracts, you'll want to have this plan on your side. Plus, it 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. Choice's service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered appliance or system.
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 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
In Mechanicsville, Select Home Warranty offers the most cost-effective home warranty. 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 has 3 simple plans, making the selection process quick and easy.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select's service fees are a reasonable $60, and the coverage caps come out to about $2,000 for each covered system or appliance.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our Select Home Warranty full review.
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 is the most customizable home warranty in Mechanicsville. 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 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 per covered system or appliance.
For a more detailed breakdown, read our full review of American Home Shield. To receive a free quote from American Home Shield, 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
The Home Service Club is the best home warranty with the quickest service in Mechanicsville. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Mechanicsville area.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit our The Home Service Club full review.
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 for Mechanicsville residents. 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. The 3 home warranty plans that Liberty offers include options for appliance and system coverage.
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 around $3,000 at the maximum.
For more information on this provider, read our 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 Mechanicsville residents. First American has been in the home warranty business for about 38 years. First American offers very affordable and comprehensive appliance coverage. Plus, 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 plans that First American offers include options for appliance and system coverage.
First American Home Warranty has 2 plans that provide a mix of appliance and system coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500.
For more information on this provider, read our review of First American Home Warranty. To get 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
In Mechanicsville, Cinch Home Services offers the home warranty with the best workmanship guarantee. 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. The 3 plans from Cinch are comprehensive and have a mix of both system and appliance coverage.
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 about $1,000-$2,000 for each covered system or appliance.
Read our Cinch Home Services full review to learn more. To get 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 Mechanicsville
A home warranty is a protection plan that covers home systems and appliances. When your HVAC breaks down and the repair will cost several hundred dollars, a home warranty will make sure that you're only responsible for a predetermined service fee. Home warranty coverage typically starts without an inspection and you can generally start using it about thirty days after making your first payment.
For Mechanicsville homeowners, when an issue arises with a covered appliance or system, it is very simple to file a claim. Most home warranty companies have an online portal where you can file a claim. The claim is then processed, and a homeowner will pay a service fee to schedule the repair . This repair will usually happen within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees are between $60 and $150.
A home warranty plan will cover your home's systems and appliances from normal wear and tear. The appliances covered are a clothes washer, dishwasher, cooktop, refrigerator, clothes dryer, stove, microwave, and more. The systems included are the water heater, air conditioner, electrical, heating system, plumbing, and more. The add-on coverages can include pool, septic system, roof leak, spa, and sometimes even things like locksmith or pest control.
A home warranty will only cover normal wear and tear that occurs on your home systems and appliances. Things like cosmetic damages, lack of maintenance, pre-existing conditions, and misuse are not included in the home warranty policy.
Mechanicsville is known for its hot summers, and if you live in Mechanicsville, you know that those summers can be brutal. During the summer months, your air conditioner can be overworked in its effort to combat the heat. If your air conditioner did break down, a home warranty can cover the repairs and prevent you from spending out-of-pocket expenses.
Another added benefit of having a home warranty policy 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.
Home warranties also have some drawbacks. Though it can save you time when the home warranty sends out a repair person who handles the repair for you, some people may not like this, and they may want to choose a contractor themselves. If that's the case for you, some home warranty plans let you choose a contractor. Another possible pain point of home warranties is that they don't cover items that have been improperly maintained. This can lead to your repair requests being denied, so it's important to make sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Whether or not a home warranty is worth it ultimately depends on your personal preference. Like any other kind of insurance policy or warranty, its purpose is to offer you a sense of protection, so you will have to decide how much that is worth to you.
Hopefully, you now feel confident that you can choose a home warranty in Mechanicsville after going through our guide. When it comes to home warranty company choices in Mechanicsville, the best overall is Choice Home Warranty. With its comprehensive coverage, affordable pricing, and a good reputation in the industry, Choice Home Warranty has a lot to offer.
Our pick for the best overall home warranty provider in Mechanicsville is Choice Home Warranty but the best company for you will depend on factors like what appliances and systems you need coverage for.
A home warranty is a of service contract designed to give homeowners extra coverage for their household systems and appliances. These include refrigerators, dryers, washing machines, garbage disposals, dishwashers, water heaters, heating and cooling systems, electrical systems, plumbing, and sump pumps, among others. Some policies also offer coverage for ceiling fans, garage door openers, pools, and roofs. A home warranty can help you save money if these items fail unexpectedly.
A home warranty policy can help real estate agents, investors, homebuyers, home sellers, and homeowners. It can provide peace of mind and savings to anyone that is involved with homeownership.
Most home warranty companies have a 30-day waiting period before you can make service requests, but some may offer coverage sooner so be sure to check with the company about this.
Home warranties will cover the cost of repairs and replacements if it is within the coverage cap of the plan. If the replacement costs more than the home warranty plan covers, you will have to pay for the rest out of pocket.
Many homeowners find a home warranty is a good investment because it can help protect against unforeseen expenses. If you're worried about your finances and your ability to keep your home in good working order, having a home warranty can help. One of the major positives of a home warranty is that it can offer you some financial peace of mind.
