When one of your systems or appliances malfunctions, a home warranty will step in to help you cover the costs. A home warranty plan can give homeowners the peace of mind they need to feel less anxious about homeownership.
Although homeownership in Germantown has many perks, such as being surrounded by nature, there are also downfalls, similar to owning a house anywhere else. One major issue many homeowners have to deal with at some point is replacing or repairing their appliances and home systems.
Finding the best home warranty plan for your Germantown home can be time-consuming, so our team at House Method did the research for you to help you find the top home warranty in Germantown. Read on for our home warranty recommendations and learn which plan works best for your home.
The first step in protecting your house with a home warranty is determining which company's plan is the best for you. Think about the items in your home you need coverage for and compare the policies. When trying to figure out which home warranty provider is the best fit for you, here are some important factors to bear in mind:
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
In Germantown, Choice Home Warranty offers the best overall home warranty. The 2 plans from Choice are comprehensive and have a mix of both system and appliance coverage. 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 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 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 an affordable $85.
Read more by visiting our Choice Home Warranty Review. To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
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 for Germantown residents. The 3 plans that AHS has include options for appliance and system coverage. When you buy a home warranty 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.
American Home Shield offers 3 plans for Germantown homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500.
For more information on this provider, read our thorough 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 for Germantown residents. 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 home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps 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 Germantown area.
For a more detailed breakdown, read our comprehensive review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
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 in Germantown. Cinch is a home warranty company with 43 years of experience in the industry, and it has become one of the best providers in the business. The 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. 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.
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 limits come out to about $1,000-$2,000 per covered appliance or system.
For a more detailed breakdown, read our review of Cinch Home Services. To get a free quote from Cinch Home Services, 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 Germantown
A home warranty is a service contract that brings down the cost of repairs when one of your home systems or appliances has a complication. A home warranty can help homeowners who need to stick to their budget and don't have the 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.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty company. Most companies have an online portal where you can do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. The claim is then processed, and a homeowner will pay the service fee to schedule the repair for their home. This repair will generally occur 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 in Germantown usually covers the main systems and appliances in your house. Typical appliances covered by a home warranty include a dryer, garbage disposal, refrigerator, washer, dishwasher, microwave, and more. The systems that are most commonly covered will be air conditioners, hot water heaters, plumbing systems, heating systems, and electrical systems. The add-on coverage options can include pool, roof leak, septic system, spa, and sometimes even things like locksmith or pest control.
An important thing to note is that home warranties only protect against normal wear and tear that occurs on your home systems and appliances. Things like cosmetic damages, pre-existing conditions, lack of maintenance, and misuse are excluded from the home warranty policy.
Germantown's frigid winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the needed repairs, saving you from spending unexpected money out of pocket.
Another good thing about having a home warranty if you want to sell your home is that you can probably transfer your home warranty plan to the new owners. This can make your house more attractive to potential home buyers and may help your house sell faster.
There are also some negatives to purchasing a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty. Another consideration is that home warranties typically only cover damage from normal wear and tear. They most likely won't cover home systems or appliances that have been damaged due to animal infestations, improper maintenance, natural disasters, etc.
Although home warranties do have some downsides, whether during winter, summer, or the months in between, a home warranty can help reduce the inevitable expense of dealing with home appliances and system repairs, giving you a little peace of mind.
A home warranty in Germantown can save you a lot of money and offer you peace of mind when it comes to pricey home repairs and replacements. The best provider in Germantown is Choice Home Warranty. Its comprehensive coverage, fair pricing, and easy to understand policies make it a great home warranty for Germantown homeowners.
The best overall home warranty company in Germantown is Choice Home Warranty but the best company for you will vary based on factors such as what appliances and systems you need coverage for.
A home warranty is a type of service contract that provides homeowners extra coverage for their household systems and appliances. These include refrigerators, dryers, dishwashers, garbage disposals, washing machines, water heaters, plumbing, sump pumps, electrical systems, and heating and cooling systems, among others. Some plans also offer coverage for garage door openers, roofs, pools, and ceiling fans. A home warranty can help you save money if these appliances and systems fail unexpectedly.
Home warranties cover problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different insurance that protects one's entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system repairs.
Home buyers, homeowners, home sellers, real estate agents, and landlords can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save homeowners money in the long run.
The service fee is the price homeowner pay every time there's a problem with a home system or appliance. The service fees are usually between $60 and $150.
