A home warranty can give you the peace of mind you need about your home and protect your savings account from large expenses by covering your home's major systems and appliances.
With a relatively mild climate, Smithfield is a great place to own a home. However, homeownership doesn't always come easy, like maintaining your home's systems and appliances.
Since the home warranty market is saturated with a lot of providers — all with different price points — our team at House Method did the research for you to help you find the best home warranty in Smithfield.
After researching the basics of home warranties in Smithfield, the next step is to determine which company you want to receive a free quote from. Here is a list of some factors to consider when buying a home warranty in Smithfield:
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 is the best overall home warranty in Smithfield. Choice is a home warranty provider with 14 years of experience in the industry, and it has become one of the best providers in the business. 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 easily comprehensible and offer both system and appliance coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit 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 in Smithfield. Select has 3 plans for you to decide between. When you buy 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select 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 company. 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 a more detailed breakdown, read our Select Home Warranty 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 Smithfield. AHS offers 3 plans for homeowners to decide between. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 per covered system or appliance.
For a more detailed breakdown, read our American Home Shield full review. To receive a free quote from American Home Shield, you can 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 for Smithfield residents. The 2 plans from HSC are comprehensive and offer a mix of both system and appliance coverage. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. 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. The coverage caps associated with HSC's plans are around 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 The Home Service Club full review. To receive a free quote from The Home Service Club, you can fill out this online form or call 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 is the most trustworthy home warranty in Smithfield. Liberty has about 5 years of experience in the industry and in that time has built a a skilled network of service technicians nationwide. Liberty has 3 simple plans, making the selection process easy. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For a more detailed breakdown, read 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 Smithfield, First American Home Warranty offers the best home warranty for appliance coverage. First American has been operating for more than 38 years, making it a well-regarded company in the industry. First American has 2 simple plans, making the selection process easy. 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Smithfield area.
To read more, visit our First American Home Warranty Review. To get a free quote from First American Home Warranty, you can 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 is the home warranty with the best workmanship guarantee for Smithfield residents. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 plans for you to choose from.
Cinch Home Services has 3 plans that offer a mix of appliance and system coverage. 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 be sure to check with the provider. Service fees are customizable and range from $75 to $150.
For a more detailed breakdown, read our comprehensive review of Cinch Home Services. 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 Smithfield
A home warranty is a service contract that reduces the cost of repairs when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to stick to their budget and don't want to use 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 Smithfield homeowners, when an issue arises with a covered appliance or system, it is very easy to file a claim. Most home warranty providers have an online portal system where you can submit a claim. At this point, you will pay your service fee, which is typically between $60 and $150 depending on what plan you opt for. Once the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. As long as the repair is covered under the warranty and the coverage cap is not reached, most homeowners will not have to pay any other out-of-pocket costs apart from the service fee.
Home warranty plans help protect both your home systems and appliances. A home warranty can cover repairs and replacements that are a result of normal wear . The appliances covered include a refrigerator, clothes dryer, stove, cooktop, microwave, clothes washer, dishwasher, and more. The systems included are the electrical, heating system, water heater, plumbing, air conditioner, and more. You can also opt to pay extra for add-on coverage for items such as spas, roof warranty, swimming pools, and septic systems.
An important thing to consider is that home warranties only protect against normal wear and tear on your home systems and appliances. Things such as pre-existing conditions, lack of maintenance, cosmetic damages, and misuse are not included in the home warranty policy.
Smithfield's hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty will cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending unexpected money out of pocket.
Not only can a Smithfield home warranty save you money on repairs and replacements, it saves you time as well. Instead of needing to vet service technicians yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them.
One of the major drawbacks of home warranties is not everything may be covered. It's important to research the different plans and purchase one that covers all the appliances, systems, and add-ons you need. Another stipulation is that home warranties usually only cover malfunctions due to normal wear and tear. They often won't cover systems or appliances that have been damaged due to improper maintenance, animal infestations, natural disasters, etc.
Whether or not a home warranty is worth it ultimately comes down to your personal preference. Like any other kind of insurance policy or warranty, it's there to give you a sense of protection, so you will have to decide how much that is worth to you.
Hopefully, you now feel like you can choose the best home warranty for your Smithfield home. Choice Home Warranty stands out as the best overall provider. It offers great and comprehensive coverage of all the essential home appliances and systems at an affordable cost with several optional add-ons.
The best home warranty provider in Smithfield is Choice Home Warranty. Choice Home Warranty has an expansive network of professional technicians and a tremendous reputation in the Smithfield area.
A home warranty can help real estate agents, homebuyers, home sellers, investors, and homeowners. It can offer peace of mind and savings to anyone that is involved with homeownership.
Typically coverage for a home warranty plan begins 30 days on the day the sale closes. However, a few providers may let you file a claim before this, so verify with customer service to find the exact waiting period for your case.
A home warranty policy will cover repair and replacement costs for home systems and appliances. Home warranties will not cover the intentional breaking of an appliance or something that happened as a result of a pre-existing condition.
Many homeowners feel like a home warranty is worth the money since it helps protect against unforeseen expenses. If you're worried about your budget and your ability to keep your home in good working order, getting a home warranty can help. One of the major advantages of a home warranty is that it can provide you some financial peace of mind.
