Comprehensive Home Protection: How To Combine Home Warranty And Homeowners Insurance

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A home warranty is a service contract between you and your supplier that covers the cost of repairs and replacements for major appliances and systems such as dishwashers and air conditioners. Home warranties usually cover breakdowns due to normal wear and tear.

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We researched a number of home warranty companies and ranked them based on a variety of factors, including coverage plans and pricing. We've rounded up our top picks below to help you find the best home warranty for your home.

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Consider your coverage needs and budget before choosing one of the best providers. Also, read their model contracts to understand the terms, exclusions and limitations of their coverage.

The table below summarizes how our top providers compare. We've highlighted each provider's monthly fees and device and system coverage limits to help you decide which one is right for you. Consider a provider with higher coverage limits if you have older home systems or appliances. If you need basic and affordable coverage, a provider with a lower monthly premium may be the right choice for you.

Note: The monthly spending figures in this table are based on a national average calculated by our team for six of our top picks. Your monthly payment may vary based on the size and type of your home, location and layout, and choice of extras. We recommend that you submit a quote directly from the service providers you are considering. We compiled prices for a 2,000-square-foot single-family home in Raleigh, North Carolina to determine the provider prices listed in this article.

American Home Shield (AHS) offers comprehensive major systems and appliance coverage along with flexible service call rates. In addition, AHS covers unique cases that other providers typically do not, such as rust, corrosion or sediment damage.

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We rated AHS 4.4 out of 5 stars in Review Standards. With three coverage plans, multiple service fees, and a solid industry reputation, we consider AHS "the best all-around coverage." We carefully read the American Home Shield sample contract and found that the ShieldGold plan has a limit of $2,000 per appliance. It doubles the coverage cap to $4,000 per covered item on the ShieldPlatinum plan.

AHS plans offer extensive coverage, and even the basic ShieldSilver plan covers your HVAC system. Multiple service call charges allow you to tailor your monthly payment to fit your budget.

Pros Offers a flexible service call fee model, allowing customers to adjust monthly fees to fit their budget. Provides high coverage limits (up to $5,000 for embedded systems and $4,000 for appliances with a ShieldPlatinum plan) Covers unknown conditions, items damaged by rust and corrosion, and items that have been improperly installed or modified Cons Charges higher monthly premiums, compared to other providers Offers less flexibility in coverage than most providers with only a few additional options

American Home Shield offers three plans: ShieldSilver, ShieldGold and ShieldPlatinum. We called an AHS representative and found out that ShieldSilver covers embedded systems. The spokesperson noted that AHS caps coverage at $5,000 per covered system. ShieldGold has a $2,000 coverage limit for appliances and excludes HVAC tuning. ShieldPlatinum adds roof leak protection, up to $1,000 in code upgrades, HVAC tuning and air filter discounts.

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When we used the AHS quote tool, it gave us a choice between a $100 or $125 service call fee. AHS says a higher service call fee will result in a lower monthly payment and vice versa. All AHS plans come with a 30-day labor guarantee.

Upon our proposal, we learned that AHS only offers monthly premiums. It doesn't come with an annual fee like the other providers on this list. AHS allows you to get a quote by calling a representative or using their tool.

It was easy for us to get a quote from American Home Shield's quote tool. You must enter your postcode, home address and email. It then generates your personalized quote. This allows you to choose a service call fee option that adjusts your premium based on a higher or lower service call fee.

AHS stands out from other suppliers with its rust, corrosion and sediment damage coverage. It also covers improperly installed or maintained items, as well as items whose condition has already been determined. Most service providers do not include items subject to these terms.

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Like most of the service providers mentioned in this article, AHS requires you to use a network service provider when requesting service. One of our team members has an AHS plan and tested its claims process. When he filed a claim for a leaky bathtub pipe, AHS found a local plumber within an hour. He made an appointment for the next day, and the plumber fixed his problem during that visit. He only paid the service call fee for the repair.

AHS has solid customer reviews, although customer service is mixed. Based on the many BBB customer reviews we've read, some reviewers have experienced less than expected compensation for their claims. Other requests were dealt with quickly and satisfactorily.

Liberty Home Guard (LHG) offers three coverage plans, a 60-day labor warranty and more than 30 accessories. LHG also provides accessible customer support through a live chat feature on its website.

Liberty Home Guard scores 4.5 out of 5 stars in our rating system. It is the highest customer-rated home warranty provider on this list, thanks in part to an A+ rating* from the Better Business Bureau (BBB) ​​and a 4.7 out of 5 star rating from Google Reviews. Our team spoke with several customer representatives to find out how well LHG handles customer inquiries. Based on our experience, we think it lives up to its star ratings, as every representative is quick to answer the phone and answer all of our questions in detail.

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Pros Extends 60-day labor warranty Offers 38 unique optional extras, including pest control and gutter cleaning Provides live chat customer support Disadvantages Does not allow customization of plan price or service call fee Includes high-end appliances only with accessories -Lacks of transparency about services at time of purchase fees during the bidding process

Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard and Total Home Guard. Unlike service providers who charge a flexible service call charge, LHG assigns a service call charge to your account based on your plan, add-on choices and location. Service fees range from $65 to $125, according to a representative we spoke with. All LHG items come with a $2,000 coverage limit and a 60-day labor warranty.

Below are the monthly LHG plan prices. Expect to pay between $600 and $720 per year. According to our research, LHG offers two extra months if you sign up for an annual plan. LHG allows you to get a quote over the phone or online.

Pulling a citation from Liberty Home Guard is easy. First you need to fill in basic personal information such as name, phone number and email. Then you enter your home's address, type, and whether it's under or over 5,000 square feet. LHG will then show you your home's individual monthly payment.

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We believe Liberty Home Guard offers solid coverage at this price. Its $2,000 coverage cap applies to all covered items except electrical and plumbing. It also offers the most additional coverage options compared to other providers. This makes LHG a great choice if you have unique items that need coverage.

Please note that LHG does not allow you to choose a service provider as it works with its own network of technicians. However, if LHG cannot get a technician from its network near you, it allows you to purchase your own.

While reading customer reviews, we found that the user experience matched our experience when contacting LHG customer service. Many reviewers noted the helpfulness of the representatives and how quickly they resolved issues. We felt this responsiveness every time we called or used the live chat feature.

Select Home Warranty offers affordable coverage plans for those who need basic protection. It offers appliance-only, system-only, and combo plans. In addition, Select offers a service call fee of less than $80 per claim.

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Select Home Warranty is rated 4.3 out of 5 stars based on our review standards. It's a great choice if you're looking for affordable home warranty, as all of its plans are under $50 per month and every standard plan includes roof leak protection (up to $400 per year). Roof leak coverage is usually not offered by home warranty companies at no extra cost.

Pros Offers annual premium discounts on multi-year coverage plans Includes a generous $3,000 coverage limit for HVAC systems Includes supplemental refrigeration and separate freezers Cons Does not cover tankless water heaters Offers lower coverage limits than many competitors Charges multiple service fees for multiple claims at once

Select Home Warranty offers three plan options: Bronze Care, Gold Care and Platinum Care. Select charges a service call fee of $60-$75. Our team discovered through mystery shopping that Select offers a lower phone-only call rate. After reviewing Select's sample contract, we found that it covers HVAC systems up to $3,000.

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