A home warranty can offer you the peace of mind you need about your home and shield your savings account from large expenses by covering your home's major systems and appliances.
Although homeownership in Lisbon has a great number of advantages, such as being surrounded by nature, there are also downsides, similar to owning a house anywhere else. One major issue many homeowners have to deal with eventually is replacing or repairing their appliances and home systems.
Because the home warranty market has many providers — all with different coverage — the House Method team decided to do the research for you to help you find the best home warranty in Lisbon.
Determining the best company for your home warranty is a step you could take to protect your property. Here is a list of factors that you'll want to consider 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
In Lisbon, Choice Home Warranty is the best overall home warranty. The 2 plans that Choice has include differing levels of system and appliance coverage, as well as add-on options. 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 Home Warranty has 2 plans that provide a mix of system and appliance coverage. Choice has coverage caps of around $3,000 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 an affordable $85.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For a more detailed breakdown, read our review of Choice Home Warranty.
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 Lisbon. AHS has 3 plans for homeowners to choose from. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Lisbon homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Lisbon area.
For more information on this provider, read our American Home Shield Review. 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
In Lisbon, The Home Service Club offers the best home warranty with the quickest service. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, HSC is the perfect provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process quick and easy.
The Home Service Club has 2 plans that provide a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read our review of The Home Service Club.
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 Lisbon residents. Cinch has about 43 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the provider for you. Plus, 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. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Lisbon area.
Read more by visiting our Cinch Home Services full review. 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 Lisbon
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they have issues over time due to normal wear and tear. Having one in place can provide some peace of mind and prevent you from paying unexpected out-of-pocket costs. Most home warranty plans start about 30 days after buying the home warranty plan.
For Lisbon homeowners, when an issue comes up with a covered appliance or system, it is very straightforward to file a claim. Most home warranty companies have an online portal system where a claim can be filed. Once you file the claim, it will be assigned to a local service technician that will come to your home and assess the problem. 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 higher than your home warranty's coverage limit.
A home warranty offers coverage on your home's major appliances and systems and it can help reduce your home maintenance expenses. Typical appliances covered under a home warranty include a refrigerator, garbage disposal, dishwasher, washer, dryer, microwave, and more. The systems that are most commonly covered will be hot water heaters, electrical systems, heating systems, plumbing systems, and air conditioners. The add-on coverage options can include septic system, pool, spa, roof leak, and sometimes even things like locksmith or pest control.
A Lisbon home warranty will only protect against normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, natural disasters, and intentional breakages are not covered with a Lisbon home warranty.
Lisbon's frigid winters 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 fails in the middle of July, a home warranty can cover the repairs, saving you from spending unexpected money out of pocket.
Another added benefit of having a home warranty plan 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 company you purchased your home warranty through.
There are also some negatives to buying a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty. Another thing to consider is that some companies don't cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty provider for clarification about these things if you aren't sure or if this is an issue for you.
Whether or not a home warranty is worth it depends on your personal situation. Like any other type of insurance policy or warranty, it's there to provide 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 Lisbon after reading our guide. When it comes to home warranty companies in Lisbon, the best overall is Choice Home Warranty. It offers comprehensive coverage at an affordable monthly cost. However, other companies mentioned above are also great choices for Lisbon residents.
Our pick for the best overall home warranty provider in Lisbon is Choice Home Warranty but the perfect company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty is a of service contract that gives homeowners extra coverage for their household systems and appliances. These include refrigerators, garbage disposals, washing machines, dishwashers, dryers, sump pumps, electrical systems, heating and cooling systems, plumbing, and water heaters, among others. Some plans also provide coverage for ceiling fans, roofs, pools, and garage door openers. A home warranty can help you save money if these items fail unexpectedly.
Home warranty policies cover problems with home systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a different kind of insurance that protects your entire home from natural disasters and fires. It doesn't cover typical appliance or system repairs.
A home warranty plan covers repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and often don't cover something that happened as a result of a pre-existing condition.
A home warranty policy can cost on average about $300 to $800 a year in Lisbon. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. In addition, it's often cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.