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Key Features to Consider When Choosing a Home Warranty

1. Coverage Details

• Covered Systems: Review the plan to know which appliances and systems are covered (e.g., HVAC, water heaters).
• Coverage Limits: Maximum coverage often ranges from $500 to $1,500 for specific items.
• Optional Add-Ons: Items like pool equipment or septic systems may require extra coverage.

2. Denied Claims

• Improper Maintenance: Warranties won't cover appliances with installation or maintenance issues.
• Unusual Wear and Tear: Coverage excludes improperly used items.
• Code Violations: Systems not meeting local building codes may be excluded.

3. Service Providers

• Companies select the service providers; most don't allow customers to hire their own.
• Ensure contractors are licensed, bonded, and insured.
• Check if the company addresses customer complaints or provides alternative service providers.

4. Cost

• Annual Premiums: Typical costs range from $350 to $500 per year.
• Service Fees: Each service call usually costs $60 to $100.
• Choose coverage levels based on your needs to avoid unnecessary premiums.

5. Company Reputation

• Verify licensing in your state.
• Read customer reviews to check for transparency and service quality.
• Examine sample contracts to ensure clear terms and conditions.

6. Customer Service

• Look for 24/7 claims support.
• Confirm repair guarantees and response time for service calls.

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Types of Home Warranties

1. Homeowner Warranty

• For existing homeowners, often with a 30-day waiting period.

2. Seller Warranty

• Covers homes during the listing period; transferable to buyers at closing.

3. Buyer Conversion Warranty

• Purchased by sellers but transfers to buyers on the closing date.

4. Buyer Direct Warranty

• Buyers or agents purchase this warranty, effective immediately after closing.

5. Renewal Warranty

• An extension of an expiring home warranty contract.

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Who Benefits Most from Home Warranties?

• First-Time Homebuyers: Reduce anxiety over unexpected repairs with affordable coverage.
• Sellers: Offer warranties to attract buyers and cover repair costs during listing.
• Owners of Older Homes: Protect aging systems and appliances (10 - 15 years old).
• Real Estate Agents: Provide warranties as incentives to clients.
• Rental Property Owners: Include warranty costs in rental pricing for protection against repair expenses.

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Top Home Warranty Companies

1. American Home Shield (AHS)

• Covers a wide range of systems and appliances with customizable plans.
• Offers transparent pricing and extensive contractor networks.
• Best For: Homeowners seeking broad, flexible coverage.

2. Choice Home Warranty

• Offers affordable premiums and fast service response.
• Covers major systems and appliances with optional add-ons.
• Best For: Budget-conscious homeowners and landlords.

3. TotalProtect Home Warranty

• Includes work guarantees and large coverage limits.
• Transparent about claims processes and repair timelines.
• Best For: Those looking for strong guarantees and comprehensive service.

4. First American Home Warranty

• Focuses on covering major home systems with optional appliance coverage.
• Transparent contracts with affordable pricing.
• Best For: Buyers and sellers involved in real estate transactions.

5. Select Home Warranty

• Competitive premiums and plans tailored for budget-conscious homeowners.
• Covers unique items like garage door openers.
• Best For: Cost-conscious buyers seeking specific add-ons.

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Specialized Warranty Providers

Secure Home Warranty

• Offers: Flexible plans, 30-day money-back guarantee.
• Best For: Home sellers and landlords managing multiple properties.

2-10 Home Buyers Warranty

• Unique Feature: 10-year structural warranties for new builds.
• Best For: Builders and real estate professionals.

Home Warranty of America (HWA)

• GreenPlus Option: Replaces appliances with energy-efficient models.
• Best For: Environmentally conscious consumers.

America's 1st Choice Home Club (AFC)

• Perks: Discounts on retail, restaurant gift cards, and tiered pricing.
• Best For: Builders, homeowners, and sellers.

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Tips for Choosing the Best Home Warranty

• Assess Needs: Choose plans that cover essential systems or appliances relevant to your home's age and use.
• Compare Costs: Balance premiums, service fees, and potential repair expenses.
• Verify Licensing: Confirm the company complies with local regulations.
• Read Reviews: Look for positive feedback on response times and quality of service providers.
• Understand Terms: Check for hidden fees, cancellation policies, and coverage limits.

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By selecting the right home warranty, you can protect your budget, avoid repair hassles, and enjoy peace of mind in your homeownership journey!

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