{"id":10071,"date":"2024-03-15T07:50:55","date_gmt":"2024-03-15T07:50:55","guid":{"rendered":"https:\/\/topat10.com\/?p=10071"},"modified":"2024-03-15T07:50:55","modified_gmt":"2024-03-15T07:50:55","slug":"top-5-best-home-warranty-companies-in-kentucky","status":"publish","type":"post","link":"https:\/\/topat10.com\/?p=10071","title":{"rendered":"Top 5 Best Home Warranty Companies in Kentucky"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div itemprop=\"text\">\n<p>The moment you experience an appliance breakdown or <a href=\"https:\/\/todayshomeowner.com\/hvac\/cost\/ac-repair-cost\/\">AC compressor<\/a> failing on the hottest day in summer, you\u2019ll discover all the exceptions in your homeowners insurance.\u00a0 Major appliance and system damage and malfunction are typically only covered if they result from a qualifying event.\u00a0<\/p>\n<p>When you\u2019ve stocked up before a Bengals game, it\u2019s a bad time for your refrigerator to stop running. If your home warranty covers your refrigerator, you can file a claim and have the problem fixed within a few days.<\/p>\n<p>Once you start shopping for home warranties, you\u2019ll find a plethora of options. It\u2019s hard to figure out which is the best home warranty available to Kentucky homeowners.<\/p>\n<p>If you\u2019re new to home warranty contracts, they can be confusing, especially when it comes to what they <em>don\u2019t <\/em>cover. Filing a claim and receiving service isn\u2019t always simple. To find the <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/best-home-warranty\/.\">best home warranty company<\/a> in Kentucky, I applied for quotes online, called and requested quotes and information, read customer reviews, and compared what each home warranty covers.<\/p>\n<p>We also use Today\u2019s Homeowner\u2019s specific review criteria to determine rankings and call and apply for quotes ourselves. Actual factors analyzed include plan options, affordability, coverage limits,\u00a0 and more. Our goal is to help you choose the best home warranty coverage in Kentucky that gives you the coverage you need for peace of mind.<\/p>\n<div class=\"gb-container gb-container-1ec44ac5\">\n<div class=\"gb-container gb-container-6b5605fa\">\n<p>Why Trust Us?<\/p>\n<p class=\"gb-headline gb-headline-833a84ce gb-headline-text\">Here\u2019s how we ranked and reviewed the nation\u2019s top home warranty companies to bring you the most accurate information.<\/p>\n<\/div>\n<div class=\"gb-grid-wrapper gb-grid-wrapper-0fc132e8\">\n<div class=\"gb-grid-column gb-grid-column-51155eae\">\n<div class=\"gb-container gb-container-51155eae\">\n<p>76<\/p>\n<div class=\"gb-container gb-container-c2f490be gb-accordion\">\n<div class=\"gb-container gb-container-661fa18a gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-a399d06c gb-accordion__toggle\"><span class=\"gb-button-text\">companies reviewed<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke=\"#ffffff\" fill=\"#ffffff\" version=\"1.1\" viewbox=\"-2.4 -2.4 28.80 28.80\"><g stroke-width=\"0\" id=\"SVGRepo_bgCarrier\"\/><g stroke-linejoin=\"round\" stroke-linecap=\"round\" id=\"SVGRepo_tracerCarrier\"\/><g id=\"SVGRepo_iconCarrier\"> <title>information_fill<\/title> <g fill-rule=\"evenodd\" fill=\"none\" stroke-width=\"1\" stroke=\"none\" id=\"\u9875\u9762-1\"> <g fill-rule=\"nonzero\" transform=\"translate(-672.000000, -48.000000)\" id=\"System\"> <g transform=\"translate(672.000000, 48.000000)\" id=\"information_fill\"> <path fill-rule=\"nonzero\" id=\"MingCute\" d=\"M24,0 L24,24 L0,24 L0,0 L24,0 Z M12.5934901,23.257841 L12.5819402,23.2595131 L12.5108777,23.2950439 L12.4918791,23.2987469 L12.4918791,23.2987469 L12.4767152,23.2950439 L12.4056548,23.2595131 C12.3958229,23.2563662 12.3870493,23.2590235 12.3821421,23.2649074 L12.3780323,23.275831 L12.360941,23.7031097 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class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-855135ce\">\n<p class=\"gb-headline gb-headline-c774fe11 gb-headline-text\">Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-8c16dcf2\">\n<div class=\"gb-container gb-container-8c16dcf2\">\n<p>152<\/p>\n<div class=\"gb-container gb-container-addedde8 gb-accordion\">\n<div class=\"gb-container gb-container-80c16dcd gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-eefbc2e8 gb-accordion__toggle\"><span class=\"gb-button-text\">quotes collected<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke=\"#ffffff\" fill=\"#ffffff\" version=\"1.1\" viewbox=\"-2.4 -2.4 28.80 28.80\"><g stroke-width=\"0\" 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L12.1430473,23.1473072 Z\"> <\/path> <path fill=\"#9e9e9e\" id=\"\u5f62\u72b6\" d=\"M12,2 C17.5228,2 22,6.47715 22,12 C22,17.5228 17.5228,22 12,22 C6.47715,22 2,17.5228 2,12 C2,6.47715 6.47715,2 12,2 Z M11.99,10 L11,10 C10.4477,10 10,10.4477 10,11 C10,11.51285 10.386027,11.9355092 10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-9b418bbf\">\n<p class=\"gb-headline gb-headline-e4fc7235 gb-headline-text\">We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-e928fcce\">\n<div class=\"gb-container gb-container-e928fcce\">\n<p>6<\/p>\n<div class=\"gb-container gb-container-065b1b7a gb-accordion\">\n<div class=\"gb-container gb-container-70fc3e42 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-9d4e4cfe gb-accordion__toggle\"><span class=\"gb-button-text\">rating factors<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke=\"#ffffff\" fill=\"#ffffff\" version=\"1.1\" viewbox=\"-2.4 -2.4 28.80 28.80\"><g stroke-width=\"0\" id=\"SVGRepo_bgCarrier\"\/><g stroke-linejoin=\"round\" stroke-linecap=\"round\" id=\"SVGRepo_tracerCarrier\"\/><g id=\"SVGRepo_iconCarrier\"> <title>information_fill<\/title> <g fill-rule=\"evenodd\" fill=\"none\" stroke-width=\"1\" stroke=\"none\" id=\"\u9875\u9762-1\"> <g fill-rule=\"nonzero\" transform=\"translate(-672.000000, -48.000000)\" id=\"System\"> <g transform=\"translate(672.000000, 48.000000)\" id=\"information_fill\"> <path fill-rule=\"nonzero\" id=\"MingCute\" d=\"M24,0 L24,24 L0,24 L0,0 L24,0 Z M12.5934901,23.257841 L12.5819402,23.2595131 L12.5108777,23.2950439 L12.4918791,23.2987469 L12.4918791,23.2987469 L12.4767152,23.2950439 L12.4056548,23.2595131 C12.3958229,23.2563662 12.3870493,23.2590235 12.3821421,23.2649074 L12.3780323,23.275831 L12.360941,23.7031097 L12.3658947,23.7234994 L12.3769048,23.7357139 L12.4804777,23.8096931 L12.4953491,23.8136134 L12.4953491,23.8136134 L12.5071152,23.8096931 L12.6106902,23.7357139 L12.6232938,23.7196733 L12.6232938,23.7196733 L12.6266527,23.7031097 L12.609561,23.275831 C12.6075724,23.2657013 12.6010112,23.2592993 12.5934901,23.257841 L12.5934901,23.257841 Z M12.8583906,23.1452862 L12.8445485,23.1473072 L12.6598443,23.2396597 L12.6498822,23.2499052 L12.6498822,23.2499052 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C10,11.51285 10.386027,11.9355092 10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-3e6b7d8f\">\n<p class=\"gb-headline gb-headline-0a32b967 gb-headline-text\">Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p class=\"has-text-align-right\">Read our full <a href=\"https:\/\/todayshomeowner.com\/home-warranty-methodology\/\">Home Warranty Review Methodology<\/a> for more details.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Top 5 Kentucky Home Warranty Companies<\/h2>\n<section id=\"th-subscribe-block_0e88090ececfd58066dd96708babd726\" class=\"th-block th-subscribe\">\n<div class=\"d-flex flex-column my-4 p-4 highlightsBlock\">\n<p>Highlights<\/p>\n<ul>\n<li>Liberty Home Guard comes out on top with the most add-ons of any service provider, great customer service, and fast turnaround times for service requests in Kentucky. <\/li>\n<li>Read a home warranty\u2019s exclusions before buying to avoid unpleasant surprises when you file a claim.  Many complaints about home warranties stem from a misunderstanding of what the policy includes and excludes. Look for exclusions regarding misuse, maintenance records, or preexisting problems. AFC Home Club, for example, requires past maintenance and repair records to approve claims.<\/li>\n<li>If you live in eastern Kentucky and have lived through recent significant flooding, buy a policy from a company that has add-on coverage for sump pumps \u2014 like Liberty Home Guard or Choice Home Warranty. Just remember that repairs necessitated by weather and disaster events themselves are generally not covered by home warranties.<\/li>\n<\/ul><\/div>\n<\/section>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-my-expert-recommendation\">My Expert Recommendation<\/h2>\n<section id=\"th-tips-block_ef9ce3febaaf74cbe025d0275c300815\" class=\"th-block th-tips\" style=\"color: ; background-color: ;\">\n<div class=\"thTipsContainer\">\n<p>Today\u2019s Homeowner Tips<\/p>\n<p>            I recommend Liberty Home Guard (LHG) because the company charges reasonable premiums and service fees for technician visits, has a great technician network, and responds to claims within 24 hours.        <\/p><\/div>\n<\/section>\n<p>No one wants to come home from work to an inch of water on their kitchen floor and spend their evening calling plumbers. A home warranty saves you time \u2014 instead of tracking down qualified technicians, you file a claim with your warranty provider, and it does the rest. I recommend Liberty Home Guard (LHG) because the company charges reasonable premiums and service fees for technician visits, has a great technician network, and responds to claims within 24 hours.<\/p>\n<p>The assistance I got from the LHG phone representative was head and shoulders above that of the competition. LHG has some of the best customer reviews of its competitors, and its website makes almost everything you need to know easy to find.\u00a0 You can get a free quote online or by phone.\u00a0<\/p>\n<p>LHG\u2019s pricing is within the range of the other companies. While the company\u2019s service fees (the fee charged when a service technician visits your home) are on the high side, when I spoke with a customer service representative on the phone, they agreed to a lower fee. If I needed a lot of additional coverage for items like a sump pump, generator, or water softener, wanted great customer service, and could bargain for a lower service fee, Liberty Home Guard would be my choice.<\/p>\n<section id=\"th-tips-block_cf8f3c53e61c86abb046fe3fa9417cd9\" class=\"th-block th-tips\" style=\"color: ; background-color: ;\">\n<div class=\"thTipsContainer\">\n<p>Today\u2019s Homeowner Tips<\/p>\n<p>Make a list of all the appliances in your house. Ask yourself which of your appliances are the oldest and might break down soon. Pick a plan that covers the oldest appliances, at a minimum, and as many of the other appliances as possible. <\/p>\n<\/p><\/div>\n<\/section>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\">Kentucky Home Warranty Companies I Didn\u2019t Include<\/h3>\n<p>Unfortunately, there are reasons the home warranty industry has a bad reputation in some circles. Not all home warranty providers have clear contracts or fair and transparent sales processes, or make filing a claim easy. For exactly these reasons, there are two home warranty companies in Kentucky that I can\u2019t recommend.<\/p>\n<p>With its spotty reputation, think twice before contacting ServicePlus Home Warranty. The company had to pay a settlement of $400,000 to the Pennsylvania Office of the Attorney General in 2021 for deceptive marketing. I didn\u2019t select the box to allow the company to contact me by phone or text when I applied for a quote online, but the company did so anyway.\u00a0<\/p>\n<p>The Better Business Bureau (BBB) issued an alert cautioning consumers about doing business with <a href=\"https:\/\/www.bbb.org\/article\/warnings\/27418-bbb-warning-mailers-sent-by-us-home-guard-create-confusion-sense-of-urgency-consumers-tell-bbb\">US Home Guard in 2022<\/a>. The company is known for confusing and deceptive marketing. Its fraudulent marketing uses scare tactics \u2014 Your home warranty is about to expire! \u2014 through mailers sent to homeowners that had never been customers.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-compare-the-highest-rated-home-warranties-in-kentucky\" data-toc-text=\"Compare Best Home Warranty Companies\">Compare The Highest Rated Home Warranties In Kentucky<\/h2>\n<p class=\"has-small-font-size\"><em>Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.<\/em><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-our-reviews-of-the-best-home-warranties-in-kentucky\">Our Reviews of the Best Home Warranties in Kentucky<\/h2>\n<div class=\"gb-container gb-container-9ecbcd85\">\n<div class=\"gb-container gb-container-ae7310e8\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-a1c5dcba\">\n<div class=\"gb-grid-column gb-grid-column-68e5d0eb\">\n<div class=\"gb-container gb-container-68e5d0eb\">\n<p>Best for Customization<\/p>\n<h3 class=\"gb-headline gb-headline-1e790e41 gb-headline-text\">Liberty Home Guard<\/h3>\n<p class=\"gb-headline gb-headline-8a6fa0e3 gb-headline-text\">4.6<\/p>\n<p class=\"gb-headline gb-headline-22b15352 gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-3fdd3eb9 border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$200 Off + 2 Months free + Free Roof Leak Coverage<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-b6a19f5b gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-adabc3a7 gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-c2e411d6 gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-2e4faabe gb-tabs__items\">\n<div class=\"gb-container gb-container-d249a59c gb-tabs__item gb-tabs__item-open\">\n<p>Despite being a newer company, Liberty Home Guard has a strong reputation. Its Trustpilot and Google reviews are overwhelmingly positive, with exceptions often relating to misunderstandings about coverage. Homeowners can customize their coverage from an extensive list of add-ons \u2014the most out of all LHG\u2019s competitors.\u00a0<\/p>\n<p>I really like that LHG doesn\u2019t auto-renew contracts. No one likes those surprise auto-renewal charges. Customers can also cancel coverage for any reason at any time during the contract period and receive a partial refund if they paid for a year in advance.\u00a0<\/p>\n<p>Friendly LHG salespeople answered questions and gave me time to think about the free quote without complaint or pushiness. When I asked about additional discounts, the two representatives I spoke with both offered me better deals than the online quote. And the quote appeared in my inbox within minutes.\u00a0<\/p>\n<\/div>\n<div class=\"gb-container gb-container-212c2d09 gb-tabs__item\">\n<p>While LHG has a comprehensive list of add-on coverages, some homeowners may not need them. Choosing which add-ons you want can be overwhelming, and monthly or annual charges for them can add up quickly. Also, LHG\u2019s pricing for additional coverage options can be higher than those of competitors.\u00a0<\/p>\n<p>Liberty\u2019s service fee of $125 is also high for the industry. However, the representative offered me a lower price of just $85.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-8a7035e5 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-d611f17e gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-da53a45d gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 9.3\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-8bcf5a13\">\n<p>I\u2019d recommend Liberty Home Guard for Kentucky homeowners. Its large network of service technicians means you won\u2019t wait long for a service provider to show up at your door. LHG\u2019s app makes it easy to file and track claims. You won\u2019t be stuck at home with no heat, wondering when your technician is going to show up. Whether you\u2019re looking at its friendly service or its large list of customization options, Liberty Home Guard is a winner.<\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\">\n<noscript><\/p>\n<div class=\"jlvid_container\"><iframe title=\"Best Home Warranty Plans | Liberty Home Guard\" width=\"1170\" height=\"658\" src=\"https:\/\/www.youtube.com\/embed\/SyhB6cIhll8?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe><\/div>\n<p><\/noscript>\n<\/div>\n<\/figure>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-8a74e626 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-929af486 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-6d46f2de\">\n<p>The coverage plans Liberty Home Guard offers cover either appliances, home systems, or both. If you purchased an extended warranty on your appliances or coverage through your energy provider, it\u2019s great to have the option to just cover systems. All plans start providing coverage 30 days after purchase.\u00a0<\/p>\n<p>The Systems Guard plan protects ductwork, air conditioner, plumbing systems, heating systems, electrical systems, and water heaters. The Appliance Guard plan covers all major appliances \u2014 refrigerator, stove\/oven, range or cooktop, dishwasher, and washer\/dryer. It even includes garage door openers, ceiling fans, exhaust fans, and garbage disposal.\u00a0<\/p>\n<p>The Total Home Guard plan combines the coverage of the Systems Guard and Appliance Guard plans.\u00a0 It\u2019s your best and most comprehensive coverage plan \u2014 a great pick if you don\u2019t have warranties or other service agreements covering your systems and appliances.<\/p>\n<p>All plans offer two months free if you pay for the entire year in advance and additional months free if you prepay for additional years. And as I mentioned above, when I spoke to a customer service representative, they offered to reduce the service fee to $85 a call. According to him, in general better offers are available when you talk to a company rep.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Appliance Guard<\/em><\/td>\n<td><em>$55.00<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td><em>One year paid in advance $499.99 (2 months free) online<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Systems Guard<\/em><\/td>\n<td><em>$55.00<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td><em>One year paid in advance $549.99 (2 months free) online<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Total Home Guard<\/em><\/td>\n<td><em>$65.00<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td><em>One year paid in advance $599.99 (2 months free) online\u00a0<\/em><em>$575 (2 months free) over the phone<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in <\/em><em>Louisville, KY<\/em><em>. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>Liberty has a comprehensive list of available add-ons \u2014 more than any other competitor. Customers can select from these 42 add-ons:\u00a0\u00a0<\/p>\n<ul>\n<li>Pool and spa: $19.99\/month<\/li>\n<li>Additional spa: $9.99\/month<\/li>\n<li>Lawn sprinkler system: $9.99\/month<\/li>\n<li>Saltwater pool: $23.99\/month<\/li>\n<li>Generator: $19.99\/month<\/li>\n<li>Casita guest unit: $35.99\/month<\/li>\n<li>Sump pump: $8.99\/month<\/li>\n<li>Well pump: $12.99\/month<\/li>\n<li>Septic system pumping: $12.99\/month<\/li>\n<li>Ejector pump: $14.99\/month<\/li>\n<li>Grinder pump: $14.99\/month<\/li>\n<li>Limited roof leak: $11.99\/month<\/li>\n<li>Re-key: $9.99\/month<\/li>\n<li>Gutter cleaning: $14.99\/month<\/li>\n<li>Pest control: $14.99\/month<\/li>\n<li>Carpet cleaning: $19.99\/month<\/li>\n<li>Window washing\/cleaning: $19.99\/month<\/li>\n<li>Power washing (exterior flooring): $19.99\/month<\/li>\n<li>Central vacuum: $8.99\/month<\/li>\n<li>Standalone freezer: $5.99\/month<\/li>\n<li>Water softener: $13.99\/month<\/li>\n<li>Swamp cooler: $14.99\/month<\/li>\n<li>Second refrigerator: $7.99\/month<\/li>\n<li>Trash compactor: $7.49\/month<\/li>\n<li>Ice maker (in-fridge): $3.99\/month<\/li>\n<li>Freestanding ice maker: $14.99\/month<\/li>\n<li>Wine cooler\/fridge: $11,99\/month<\/li>\n<li>Water dispenser water line: $4.99\/month<\/li>\n<li>Instant hot water dispenser: $9.99\/month<\/li>\n<li>Reverse osmosis water filter system: $14.99\/month<\/li>\n<li>Lighting fixtures: $7.99\/month<\/li>\n<li>Plumbing fixtures: $7.99\/month<\/li>\n<li>Electronics protection: $19.99\/month<\/li>\n<li>TV mounting (up to 65-inch TVs): $14.99\/month<\/li>\n<li>TV mounting (up to 85-inch TVs): $19.99\/month<\/li>\n<li>Pro-series refrigerator: $14.99\/month<\/li>\n<li>Pro-series standalone freezer: $14.99\/month<\/li>\n<li>Pro-series range\/oven\/cooktop: $12.99\/month<\/li>\n<li>Pro-series dishwasher: $7.99\/month<\/li>\n<li>Pro-series microwave: $4.99\/month<\/li>\n<li>Pro-series washing machine: $4.99\/month<\/li>\n<li>Pro-series clothes dryer: $4.99\/month<\/li>\n<\/ul>\n<p>Liberty Home Guard wants to offer every needed customization. If something you need covered isn\u2019t on the list, LHG suggests reaching out to them. After you provide the make and model of your system or appliance, its website says the company <a href=\"https:\/\/www.libertyhomeguard.com\/plans\/optional-addons\/\">\u201cwill make every effort to determine if we can provide you with specialized coverage for those items<\/a>.\u201d<\/p>\n<p>If you\u2019re struggling with which add-ons to pick, the website will show you the most popular options in your area. It\u2019s helpful to see what other Louisville, Kentucky, homeowners have chosen.\u00a0<\/p>\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"data:image\/svg+xml,%3Csvg%20xmlns=\" http:=\"\" alt=\"\" class=\"lazyload\" data-lazy-src=\"https:\/\/lh7-us.googleusercontent.com\/5v1YQRZHWKbYDBKGamdYuJWEamxbwWBlzuQT2oDoWIiubBSWz8qrrq8EzYjgip_M_2uzOyKcgW33tH9rDAkhkOxWffmWXXlrsPQZiqijuNxB0LwkkfEaJnkTEvgHbpJ2AqJPof_3JOE01oQx4cNpTBE\"\/><noscript><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/lh7-us.googleusercontent.com\/5v1YQRZHWKbYDBKGamdYuJWEamxbwWBlzuQT2oDoWIiubBSWz8qrrq8EzYjgip_M_2uzOyKcgW33tH9rDAkhkOxWffmWXXlrsPQZiqijuNxB0LwkkfEaJnkTEvgHbpJ2AqJPof_3JOE01oQx4cNpTBE\" class=\"lazyload\" alt=\"\"\/><\/noscript><\/figure>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>All of Liberty Home Guard\u2019s plans exclude the following:\u00a0<\/p>\n<ul>\n<li>Flues, vents, chimneys, and exhaust lines<\/li>\n<li>Electronics, computerized, \u201csmart,\u201d or Internet\/enabled components and parts<\/li>\n<li>Filters associated with any covered items<\/li>\n<li>Remote receiving and transmitting devices<\/li>\n<li>Radon and other leak detection monitoring systems<\/li>\n<li>Fire sprinkler systems<\/li>\n<li>Lighting\u00a0<\/li>\n<li>Solar systems and applications<\/li>\n<li>Cosmetic defects<\/li>\n<li>Disposal of appliances, systems, or components<\/li>\n<li>Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems<\/li>\n<li>Glass parts<\/li>\n<li>Noise<\/li>\n<li>Acts of God<\/li>\n<\/ul>\n<p>Most of these are standard industry exclusions.<\/p>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-8960402a gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-5eaa64fe gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 8.9\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-24c42fed\">\n<p>The pricing for Liberty Home Guard\u2019s three coverage plans is reasonable. Some add-ons cost slightly more than competitors charge \u2014 for example, a standalone freezer costs $7.99 a month versus $3.33 from Select Home Warranty. To get the best deals, pick up the phone or answer when a representative calls.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-d30e334c gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-b05aae64 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 7.8\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-f421c039\">\n<p>When secret shopping, I applied for a quote online and spoke to two representatives on the phone. The online form was quick and easy \u2014 pick your plan and any add-ons. Neither representative reacted poorly when I said I needed time to think about which plan to buy, and when I asked for a quote via email, it showed up in my inbox within minutes.<\/p>\n<p>The agents volunteered helpful information \u2014 for example, contracts don\u2019t auto-renew, so there are no surprise credit card charges a year after you sign up. The renewal department will call you 60 days prior to your contract\u2019s expiration date to check on renewing \u2014which also gives you the chance to make changes to your policy.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-09a9c322 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-3e0cffbc gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 9.1\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-45a42b72\">\n<p>While Liberty Home Guard has only been in business for seven years, it\u2019s built a strong reputation. It receives 4.7 out of 5 stars on\u00a0 Trustpilot \u2014 the highest rating among its competitors. Reviewers praise great customer service and quick claim resolution.\u00a0<\/p>\n<p>It\u2019s not uncommon for home warranty companies to receive negative customer reviews \u2014 unfortunately, most negative reviews reveal that many consumers fail to understand exclusions and coverage limits. Liberty Home Guard\u2019s negative reviews fall into this bucket.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>Not Rated*<\/em><\/td>\n<td><em>Customer reviews are not used in the calculation of BBB rating<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>4.7\/5 stars<\/em><\/td>\n<td><em>2,298<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Google<\/em><\/td>\n<td><em>4.7\/5 stars<\/em><\/td>\n<td><em>9,693<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.5\/5 stars<\/em><\/td>\n<td><em>60<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/p>\n<p><em>*Note (as of 3\/13\/24): The Better Business Bureau recently shifted LHG\u2019s A+ rating to \u201cNR.\u201d We reached out to a representative from the Better Business Bureau, and they told us, \u201cThis business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.\u201d When asked about whether they revoke ratings after an increase in complaints, the rep said, \u201cYes, if they feel they need to review the complaints first before issuing an accurate rating.\u201d This scenario has happened to LHG twice in the last two years, but each time, the BBB has restored its A+ rating after a thorough review.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-e3caf4f4 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-c0fd1c6d gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-1da4ef6c\">\n<p>After purchasing a Liberty Home Guard policy, you\u2019ll receive a link to set up your customer portal on LHG\u2019s app, where you can file claims and track your service technician\u2019s progress and arrival times.\u00a0<\/p>\n<p>According to LHG\u2019s representatives, most service requests receive a response within 24 hours. Service technicians will come out at night, on weekends, and on holidays without extra charges. A <a href=\"https:\/\/www.digitaljournal.com\/pr\/news\/liberty-home-guard-to-support-consumers-with-access-to-progressive-home-insurance-quotes\">recent partnership with Progressive Insurance<\/a> has expanded the company\u2019s network of technicians, allowing them to promise a quick turnaround.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-95fc2321 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-b496c87e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-36784289\">\n<p>Liberty Home Guard sells policies nationwide (50 out of 50 states), which is a good sign for the company\u2019s trustworthiness. It means that it has worked to comply with regulations across multiple state jurisdictions.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-0f870676 gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/liberty-home-guard\/\">Read our full Liberty Home Guard review<\/a><\/div>\n<\/div>\n<div class=\"gb-container gb-container-9e8ea5ad\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-0d67a5b1\">\n<div class=\"gb-grid-column gb-grid-column-b0e55190\">\n<div class=\"gb-container gb-container-b0e55190\">\n<p>Best Coverage Limits<\/p>\n<h3 class=\"gb-headline gb-headline-47104804 gb-headline-text\">American Home Shield<\/h3>\n<p class=\"gb-headline gb-headline-3980dabd gb-headline-text\">4.3<\/p>\n<p class=\"gb-headline gb-headline-c334c0db gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-406a82bb border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>40% Off Our Most Popular Plan<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-680755e4 gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-33285d81 gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-d9d8211b gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-e145cb47 gb-tabs__items\">\n<div class=\"gb-container gb-container-40fcd9cb gb-tabs__item gb-tabs__item-open\">\n<p>My research shows that American Home Shield (AHS) has the best coverage limits \u2014 it\u2019s an excellent choice if you\u2019ve invested in high-end, luxury appliances or a heavily used HVAC system. Other companies set coverage maximums at $2,000 or $3,000 for HVAC work, but AHS gives you up to $5,000 in coverage. AHS\u2019s ShieldPlatinum plan even includes a free HVAC tune-up.<\/p>\n<p>The ShieldPlatinum plan provides $4,000 in appliance coverage. If you didn\u2019t purchase a warranty with your top-of-the-line refrigerator, American Home Shield\u2019s higher coverage limits give it a clear advantage over its competitors. Shield Platinum also covers roof leaks up to $1,000 in repairs. The company\u2019s policies include up to a $50,000 limit for the whole year\u2019s coverage under every plan.<\/p>\n<p>American Home Shield\u2019s waiting period before coverage starts (30 days) is shorter than that of most competitors \u2014\u00a0 and it doesn\u2019t charge your credit card until coverage kicks in.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-5fca56db gb-tabs__item\">\n<p>Customers who\u2019ve left reviews don\u2019t have positive things to say about American Home Shield\u2019s customer service. They complain that it\u2019s hard to reach anyone to help with a claim and that there aren\u2019t many service technicians in their area.\u00a0 When I spoke with a customer service representative, I asked about response times in Lexington, KY. The representative said that within 24 to 48 hours of placing a service call, the company would send out a technician.<\/p>\n<p>Service fees also come in at the higher end of the range, $100-$125 per service call.\u00a0 If you have an older home and appliances and have to make several service calls, the fees will add up fast.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-f8d05ba3 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-75d1fd5c gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-e675d8c3 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 8.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-0cd5db2a\">\n<p>You probably won\u2019t need AHS\u2019s higher coverage limits unless you have luxury appliances and complex systems. If you do, you\u2019d maximize your protection from an American Home Shield home warranty. If it\u2019s affordable, select a higher service fee, which lowers your monthly premium.\u00a0<\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\">\n<noscript><\/p>\n<div class=\"jlvid_container\"><iframe title=\"American Home Shield: Protecting Homeowners&#039; Budgets\" width=\"1170\" height=\"658\" src=\"https:\/\/www.youtube.com\/embed\/5lCm1SqzwDc?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe><\/div>\n<p><\/noscript>\n<\/div>\n<\/figure>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-5dbad8e0 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-4178a732 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 9\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-78c6f3e9\">\n<p>American Home Shield sells three service plans. The most basic, ShieldSilver, covers your heating and air conditioning systems, electrical systems, and plumbing systems. The next-level plan, ShieldGold, includes everything in the ShieldSilver plan plus kitchen and laundry appliances such as your clothes washer.\u00a0<\/p>\n<p>With ShieldPlatinum, the highest-level plan, you get everything else plus roof coverage \u2014 a rarity in the home warranty industry. Heavy rainfall has meant roof leaks in parts of Kentucky over the past few years. Roof coverage might be just what the weather forecaster ordered.<\/p>\n<p>American Home Shield stands head and shoulders above competitors when you look at its coverage limits. The HVAC limit is $5,000 per system for each plan. The appliance limit is $2,000 per appliance under the ShieldGold plan and $4,000 per appliance under ShieldPlatinum. ShieldPlatinum even covers $250 of repairs needed due to code violations, or pulling permits, and code modifications if your repair requires a fix, modification, or permit to conform to code.\u00a0<\/p>\n<p>AHS\u2019s website currently offers 40% off ShieldGold, but none off its other plans. If you pick a higher monthly premium, it will lower your monthly premium. For example, with the ShieldGold plan and a $125 deductible, the monthly fee is only $30.00. If you pick a $100 deductible, the fee rises to $36.00.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>ShieldSilver<\/em><\/td>\n<td><em>$35.83 or $25.83<\/em><\/td>\n<td><em>$100 \u2013 $125<\/em><\/td>\n<td><em>No current discount<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>ShieldGold<\/em><\/td>\n<td><em>$36.00 or $30.00<\/em><\/td>\n<td><em>$100 \u2013$125<\/em><\/td>\n<td><em>40% off on the website<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>ShieldPlatinum<\/em><\/td>\n<td><em>$85.83 or $75.83<\/em><\/td>\n<td><em>$100 \u2013 $125<\/em><\/td>\n<td><em>No current discount<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in <\/em><em>Louisville, KY<\/em><em>. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>If you have a home with a lot of extras, American Home Shield\u2019s smaller number of available add-ons, as listed below, could strike it from your list of potential home warranty providers. However, not all home warranty plans offer roof leak protection, which is a great add-on.\u00a0<\/p>\n<ul>\n<li>Roof leak repair: $10\/month<\/li>\n<li>Electronics protection plan: $14\/month\u00a0<\/li>\n<li>Pool &amp; built-in-spa equipment: $18\/month<\/li>\n<li>Guest unit: $15.99\/month<\/li>\n<li>Septic pump: $5\/month<\/li>\n<li>Well pump: $8\/month<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>There\u2019s nothing outside the norm on American Home Shield\u2019s exclusions list. Exclusions include:\u00a0<\/p>\n<ul>\n<li>Construction or carpentry costs<\/li>\n<li>Restoration of walls<\/li>\n<li>Flues, chimneys, venting, and exhaust lines<\/li>\n<li>Repairs or replacements due to cosmetic defects<\/li>\n<li>Repairs due to mold<\/li>\n<li>Appliances not covered under the ShieldSilver plan<\/li>\n<li>Natural disasters<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-ef3112ab gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-22ea78df gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 8.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-9ba47ba0\">\n<p>While you get amazing coverage with AHS, its higher service fees knock a few points off affordability. Coverage limits are per contract term \u2014 if your HVAC needs a $5,000 repair in the first year of a three-months of your plan, you won\u2019t have coverage for future repairs.\u00a0<\/p>\n<p>Monthly fees fall within the industry range, but it\u2019s slightly confusing to have the option to adjust them based on the service fee.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-78737044 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-30a06fce gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 8.4\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-a1fe1104\">\n<p>It was easy to obtain an online quote, but service over the phone the two times I called American Home Shield varied. The first time I called the representative rushed through answers to questions and pushed to close the deal. The second time the representative asked me more questions about coverage needs and took more time.\u00a0\u00a0<\/p>\n<p>However, the second time I called, the representative did not offer the discounted pricing until I asked why his quote was different from the online quote. Only then did he offer me the 40% off.\u00a0<\/p>\n<section id=\"th-tips-block_25ac57ca106b6f7882251021118b9fc0\" class=\"th-block th-tips\" style=\"color: ; background-color: ;\">\n<div class=\"thTipsContainer\">\n<p>Today\u2019s Homeowner Tips<\/p>\n<p>            It might be worth it to have an online quote ready when you talk to any warranty provider to make sure you\u2019re getting every available deal.         <\/p><\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-4a99afdc gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-27f42385 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 7.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-bfc6df63\">\n<p>American Home Shield has a BBB score of B. Complaints mention poor customer service, a lack of qualified service technicians in the customer\u2019s area, and difficulty canceling contracts.\u00a0<\/p>\n<p>From reviews, it\u2019s obvious that positive or negative experiences depend heavily on the local service technicians. Positive reviews do state that American Home Shield replaced several major appliances and paid significant portions of large repairs.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><strong><em>B\/2.1<\/em><\/strong><\/td>\n<td><em>11,181 reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>2.2\u00a0 \/ 5 stars<\/em><\/td>\n<td><em>5,197<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Google<\/em><\/td>\n<td><em>2.8<\/em><\/td>\n<td><em>2,379<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.1 \/ 5 stars<\/em><\/td>\n<td><em>1,256 reviews<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-fbf42599 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-17c6f98e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 8.4\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-294863a2\">\n<p>File claims online or call the company for service. Expect a turnaround time of 24 to 48 hours for it to set up a\u00a0 service appointment. It responds to emergencies within 24 hours. If there\u2019s an issue with a repair within 30 days, the company sends out another service technician for free.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-59c50086 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-89505ba3 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-ec80bafa\">\n<p>American Home Shield has a large network of 17,500 contractors and 45,000 service technicians and sells policies nationwide.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-3a706d11 gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/american-home-shield\/\">Read our full American Home Shield review<\/a><\/div>\n<\/div>\n<div class=\"gb-container gb-container-3ba9ccfa\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-2403195b\">\n<div class=\"gb-grid-column gb-grid-column-82127dd9\">\n<div class=\"gb-container gb-container-82127dd9\">\n<p>Best Value<\/p>\n<h3 class=\"gb-headline gb-headline-00b25a51 gb-headline-text\">Select Home Warranty<\/h3>\n<p class=\"gb-headline gb-headline-c7f050fb gb-headline-text\">4.2<\/p>\n<p class=\"gb-headline gb-headline-a0788e0d gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-dc315818 border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$150 Off (Code HOUSE25)<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-7d518d3a gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-1a588591 gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-868a02fe gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-5e6f7a85 gb-tabs__items\">\n<div class=\"gb-container gb-container-f0e3a69e gb-tabs__item gb-tabs__item-open\">\n<p>A great option for homeowners on a budget, Select Home Warranty (SHW) has reasonably priced plans and one of the lowest service fees in the business. Competitor\u2019s service fees start at $100 and go up, but every plan under Select Home Warranty charges an $85 service fee.<\/p>\n<p>The company dispatches service technicians within 24 to 48 hours and guarantees service technicians\u2019 workmanship for up to 90 days. Since Kentucky is what SHW calls a \u201ctriple green\u201d area, one with its highest coverage, you have access to an emergency response team. Emergency response teams stand ready to provide service for emergencies such as a heat failure on a cold day within four hours. Select rates the areas it covers by the number of available service technicians \u2014 triple green means that they have the best network there. If your AC, heat, or water heater goes out, or your plumbing needs repairs, it promises same-day service at no extra charge.\u00a0<\/p>\n<\/div>\n<div class=\"gb-container gb-container-3031a35c gb-tabs__item\">\n<p>Select Home Warranty has some of the cheapest premiums in the business, but the trade-off could be less-than-satisfactory customer service. Customers complain about denied claims or repairs that took too long. Policies also have limited add-ons, which wouldn\u2019t work for luxury homeowners.<\/p>\n<p>SHW\u2019s deals are slightly confusing, with discounts and the availability of free months of coverage depending on whether you pay monthly or annually.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-bccb9526 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-2a463211 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-982125dc gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 8.4\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-fc5bc53a\">\n<p>Select Home Warranty has a large service technician network in Kentucky and a 24- to 48-hour response time for reasonable premiums and a service fee that\u2019s lower than that of most competitors. It\u2019s great that it doesn\u2019t charge for emergency, same-day service, especially if your AC fails on a 85\u00b0F June day.\u00a0<\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\">\n<noscript><\/p>\n<div class=\"jlvid_container\"><iframe title=\"Select Home Warranty Testimonials\" width=\"1170\" height=\"658\" src=\"https:\/\/www.youtube.com\/embed\/dnsi4jgp48c?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe><\/div>\n<p><\/noscript>\n<\/div>\n<\/figure>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-aa543c6a gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-d750dfe5 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 8.3\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-4db15aea\">\n<p>Select Home Warranty sells three plans. The Gold Care plan is perfect for homeowners who only want to protect their systems \u2014 for example, if warranties already cover your appliances. The Bronze Care plan serves those who need appliance coverage, and Platinum Care includes both systems and appliances.\u00a0<\/p>\n<p>The Gold Care plan covers air conditioning, heating, plumbing, and electric systems, along with ductwork and water heater. Under the Bronze Care plan, your refrigerator and also the washer\/dryer, stove\/oven, garbage disposal, dishwasher, built-in microwave, and cooktop receive coverage.\u00a0<\/p>\n<p>The Platinum Care plan combines the Bronze and Gold Care plans and adds on a garage door opener, ceiling fan, and plumbing stoppages. Discounts are available online. If you prepay one year, you\u2019ll get two months free (added on to the total contract term, making it 14 months) and $150 off.\u00a0<\/p>\n<p>You can cancel your policy and receive a pro-rata refund or a pro-rata portion of any reimbursed claim. That means your reimbursement will depend upon the number of months you\u2019ve already paid for your policy.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Bronze Care<\/em><\/td>\n<td><em>$60.42<\/em><\/td>\n<td><em>$85<\/em><\/td>\n<td><em>25% discount off the monthly premium on the website.<\/em><em>Also two months free if you pay the annual fee up front.<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Gold Care<\/em><\/td>\n<td><em>$60.42<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>25% discount off the monthly premium on the website.<\/em><em>Also two months free if you pay the annual fee up front.<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Platinum Care<\/em><\/td>\n<td><em>$63.75<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>25% discount off the monthly premium on the website.<\/em><em>Also two months free if you pay the annual fee up front.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in <\/em><em>Louisville, KY<\/em><em>. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>Select Home Warranty has standard add-ons with affordable pricing. With fewer options than Liberty Home Guard but more than American Home Shield, its offerings are middle of the road.\u00a0<\/p>\n<ul>\n<li>Central vacuum: $3.33\/mo<\/li>\n<li>Lawn sprinkler system: $5.83\/mo<\/li>\n<li>Pool: $8.33\/mo<\/li>\n<li>Roof leak: $0\/mo<\/li>\n<li>Septic system: $5.83\/mo<\/li>\n<li>Spa: $5.83\/mo<\/li>\n<li>Standalone freezer: $3.33\/mo<\/li>\n<li>Sump pump: $3.33\/mo<\/li>\n<li>Well pump: $3.33\/mo<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>Other exclusions are:\u00a0<\/p>\n<ul>\n<li>Preexisting conditions<\/li>\n<li>Secondary damage (i.e., your home warranty may cover roof damage but won\u2019t cover water damage caused by the leak)<\/li>\n<li>Incorrect installation or malfunctions due to construction damage or improper wiring<\/li>\n<li>Issues with systems or appliances related to hazardous or toxic materials (for example mold, asbestos, and gas leaks)\u00a0<\/li>\n<li>Common areas in condominiums or family homes<\/li>\n<li>Solar heating systems<\/li>\n<li>Damage caused by natural disasters and rust<\/li>\n<li>Defects or damages caused by the foundation and structure of the home<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-ac05390d gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-6a1ef566 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 9.1\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-52bce54e\">\n<p>Select Home Warranty charges $75 for a service call, versus the $100 to $125 charged by some competitors, making it a bargain. It charges a comparable, or cheaper, rate for monthly premiums than competitors and offers discounts.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-72dc9b65 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-7e753ee4 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 8.1\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-3106d4b8\">\n<p>You can request a quote and purchase online, though you might get better deals if you call. Within a few screens of starting your quote, various plans appear in an easy chart format. The representative I spoke with was friendly and volunteered information \u2014 such as the availability of an emergency response team of dedicated technicians who stand ready due to the large service technician network in Kentucky \u2014 that I hadn\u2019t thought to ask about.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-add4cbc8 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-add30fc3 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 8.0\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-ce02ec60\">\n<p>Select Home Warranty\u2019s customers report mixed experiences. The company has a B rating with the Better Business Bureau, but customers rate it 1.43 out of 5 stars on the BBB website. Customers claim that the company refused to pay for 100% of repairs, denied every claim they submitted under their plans, or took a long time to send out a service technician.\u00a0\u00a0<\/p>\n<p>The company fares better on Trustpilot, with a customer rating of 3.8 out of 5 stars. Positive reviews only address the sales experience while buying a policy, while negative reviews address actual service and coverage. The sharp division in the reviews between before and after purchasing a policy leads me to wonder if the company puts its effort into getting your business rather than keeping it.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>B\/1.3<\/em><\/td>\n<td><em>2,002<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>3.8\/5 stars<\/em><\/td>\n<td><em>4,620<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Google<\/em><\/td>\n<td><em>1.6<\/em><\/td>\n<td><em>27<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-221dc5ee gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-0f5ea509 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 7.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-aef9d827\">\n<p>It\u2019s easy to submit a claim with Select Home Warranty \u2014 there\u2019s a button on the home page of its website that takes you to its customer portal to submit claims. The company promises to contact a licensed technician within 48 hours of claim submission for normal claims. It\u2019s a longer response time than most of SHW\u2019s competition, which is disappointing. Select Home Warranty also doesn\u2019t guarantee when it\u2019ll schedule the repair.\u00a0\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-6ecea68e gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-1f272123 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-a132b31c\">\n<p>Homeowners nationwide can purchase coverage through Select Home Warranty. Its large network increases confidence that you\u2019ll receive service if you need repairs.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-a8855787 gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/select-home-warranty\/\">Read our full Select Home Warranty review<\/a><\/div>\n<\/div>\n<div class=\"gb-container gb-container-3ac2d001\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-12769c97\">\n<div class=\"gb-grid-column gb-grid-column-684ffa0e\">\n<div class=\"gb-container gb-container-684ffa0e\">\n<p>Best Customer Ratings<\/p>\n<h3 class=\"gb-headline gb-headline-fdb201a8 gb-headline-text\">Elite Home Warranty<\/h3>\n<p class=\"gb-headline gb-headline-d9279fb5 gb-headline-text\">4.3<\/p>\n<p class=\"gb-headline gb-headline-1a2b7e41 gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-80127500 border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$150 Off + 1 Month Free<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-553a17e0 gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-2db3478f gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-3084f7c8 gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-7c56575d gb-tabs__items\">\n<div class=\"gb-container gb-container-0713fd08 gb-tabs__item gb-tabs__item-open\">\n<p>Elite Home Warranty (EHW) only opened its doors in 2020, but it\u2019s already built a strong reputation. Customers rate it highly on review sites, it doesn\u2019t nag you incessantly after you apply for a quote, and it\u2019s accessible through multiple service channels if you need to file a claim. Elite appears to have learned from the problems other companies have faced and is trying to do better.\u00a0<\/p>\n<p>Work comes with a 90-day parts, labor, and installation warranty. Higher coverage limits work well for homeowners who\u2019ve invested in luxury appliances. Not only are these appliances more expensive to buy, they cost more to repair.\u00a0<\/p>\n<\/div>\n<div class=\"gb-container gb-container-f1aca5f0 gb-tabs__item\">\n<p>In my secret shopping, I found that some of EHW\u2019s add-ons cost more per month than those of competitors \u2014such as $8.33 for a sump pump as compared to Select Home Warranty\u2019s pricing of $3.33, but still less than Liberty Home Guard\u2019s $8.99. There are extra charges for luxury appliances, which somewhat undermines the benefit of the higher coverage limits.\u00a0<\/p>\n<p>The company also charges extra if you have a weekend emergency \u2014 the service fee jumps from $70 to $150.\u00a0 Since appliances never break at convenient times, if anything goes out at night that requires a specialized technician, the service fee is also $150.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-b1635862 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-f1a175fc gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-12c25c6f gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 8.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-0e8842fb\">\n<p>Elite Home Warranty has been carving out its niche in a crowded industry through great customer service, high coverage limits, and a parts and labor warranty. It\u2019s an excellent pick if you have high-end appliances or want assurance that any repairs will, well, stay repaired.\u00a0<\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\">\n<noscript><\/p>\n<div class=\"jlvid_container\"><iframe title=\"Why Elite Home Warranty? Transparent Home Warranties for Homeowners.\" width=\"1170\" height=\"658\" src=\"https:\/\/www.youtube.com\/embed\/E6cK4x8WcxM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe><\/div>\n<p><\/noscript>\n<\/div>\n<\/figure>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-7d9386f8 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-dfb3b61e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-74518814\">\n<p>When shopping Elite\u2019s warranty plans, you can pick either a systems-only or appliance-only plan or opt for the most comprehensive plan with amazing coverage \u2014 Elite Complete. Repairs and replacements have a 30-day workmanship guarantee.<\/p>\n<p>Elite, like its competitor American Home Shield, has higher coverage limits than industry standards, which typically max out at around $3,000. It covers appliances up to $6,000, and system payouts are as much as $10,000 \u2014 both outstanding sums that I haven\u2019t seen any other home warranty company match. Even American Home Shield only offers up to $5,000 on HVAC.\u00a0<\/p>\n<p>While I was secret shopping, the customer service representative offered a special 30-day free trial for the policy and $150 off to get started. As with many home warranty companies, phone representatives incentivize callers with the best deals.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Elite Appliance<\/em><\/td>\n<td><em>$34.99<\/em><\/td>\n<td><em>$70<\/em><\/td>\n<td><em>$150 upon sign-up, 30-day free trial<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Elite Systems<\/em><\/td>\n<td><em>$49.99<\/em><\/td>\n<td><em>$70<\/em><\/td>\n<td><em>$150 upon sign-up, 30-day free trial<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Elite Complete<\/em><\/td>\n<td><em>$59.99<\/em><\/td>\n<td><em>$70<\/em><\/td>\n<td><em>$150 upon sign-up, 30-day free trial<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in <\/em><em>Louisville, KY<\/em><em>. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>Elite Home Warranty gives homeowners almost as many options for add-ons as Liberty Home Guard, allowing homeowners to customize their plan to meet their needs. Pick from the following list (prices are per year):<\/p>\n<ul>\n<li>Annual HVAC maintenance: $299.99<\/li>\n<li>Attic exhaust fan: $69.99<\/li>\n<li>Central vacuum: $49.00<\/li>\n<li>Drainage, sewer, and water service lines: $349.99<\/li>\n<li>Effluent pump: $99.99<\/li>\n<li>Ejector pump: $99.99<\/li>\n<li>Freestanding freezer: $59.99<\/li>\n<li>Freestanding ice makers: $59.99<\/li>\n<li>Freestanding spa equipment: $119.99<\/li>\n<li>Generator: $99.99<\/li>\n<li>Geothermal heating and cooling systems: $299.99<\/li>\n<li>Grinder pump: $99.99\u00a0<\/li>\n<li>Guest house: $299.99<\/li>\n<li>Jetted hot tubs: $99.99<\/li>\n<li>Lawn sprinkler system: $99.99<\/li>\n<li>Lift pump: $99.99<\/li>\n<li>Limited patching repair: $99.99\u00a0<\/li>\n<li>Pool and spa equipment: $199.99<\/li>\n<li>Pool equipment: $149.99<\/li>\n<li>Premium appliances: $249.99<\/li>\n<li>Premium benefits: $199.99<\/li>\n<li>Premium systems: $299.99<\/li>\n<li>Premium systems plus: $499.99<\/li>\n<li>Septic system: $129.99<\/li>\n<li>Sump pump: $99.99<\/li>\n<li>Swamp cooler: $149.99<\/li>\n<li>Water softeners: $99.99<\/li>\n<li>Water filtration system: $99.99<\/li>\n<li>Well pump: $99.99<\/li>\n<li>Wine cooler: $69.99<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>Like all home warranty providers, Elite\u2019s service contracts have normal exclusions.\u00a0<\/p>\n<ul>\n<li>Natural disaster-related damages<\/li>\n<li>Acts of God<\/li>\n<li>Commercial-grade appliances\u00a0<\/li>\n<li>Units in a rental property<\/li>\n<li>Cosmetic damage<\/li>\n<li>A lack of maintenance<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<p>The \u201clack of maintenance\u201d exclusion concerns me. It\u2019s a convenient excuse to deny claims. If you choose Elite as your warranty provider, make sure that you keep good maintenance records.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-dba9b377 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-fbb0cf26 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 8.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-ea2257a6\">\n<p>Monthly plan pricing is within competitors\u2019 ranges or cheaper. The Elite Complete plan, for example, costs less than American Home Shield\u2019s Platinum Plan. However, while Elite\u2019s monthly pricing is competitive, using its services could incur additional fees beyond the standard service charges.\u00a0<\/p>\n<p>Pay attention to the extra fees of $150 for servicing professional-grade appliances or for service calls during weekends or after hours. This isn\u2019t common with other providers \u2014 Liberty Home Guard charges no extra fees for nights and weekends.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-d2c24bd4 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-2836b661 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 7.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-521ad2bb\">\n<p>Elite\u2019s website has plan information, discloses its BBB reviews as compared to competitors, and discusses its claims process on the main page. Its \u201chomeowner hub\u201d publishes great articles on home maintenance, improving property values, and home warranties, which could be very helpful to first-time homebuyers.<\/p>\n<p>The customer representative gave me a clear explanation of the plans \u2014 though he did jump right to selling me the most expensive plan. Polite and friendly, he explained that Kentucky is a well-covered area and Elite guarantees a 24- to 48 hour arrival window for any service calls.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-659497ec gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-e451ec09 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 8.3\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-725842e6\">\n<p>While Elite Home Warranty has great reviews, it doesn\u2019t have many of them. Home warranty companies spark strong feelings from customers, so it\u2019s odd to have so few reviews.\u00a0<\/p>\n<p>Customers praise EHW\u2019s customer service representatives and frequently mention how they go above and beyond. They say it\u2019s easy to sign up, the company handles claims quickly and efficiently, and service technicians are professional.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>A+\/4.97<\/em><\/td>\n<td><em>367<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>4.7\/5 stars<\/em><\/td>\n<td><em>54<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Google<\/em><\/td>\n<td><em>4.7\/5 stars<\/em><\/td>\n<td><em>106<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>5\/5 stars<\/em><\/td>\n<td><em>4<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-5a4a43ba gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-9e3472b4 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 6.8\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-3f1dc91a\">\n<p>Elite has a lower rating for its claims process. You can file a claim online or over the phone 24\/7\/365, but it charges a higher service fee for after-hours emergency services. If your sump pump breaks and your basement fills with water, or a dishwasher hose springs a leak, you\u2019ll be waiting for help to arrive unless Elite can find a technician (emergency service isn\u2019t guaranteed). If it can find someone to provide service outside normal business hours, you\u2019ll also pay a higher service fee of $150 versus $70 for the call.<\/p>\n<p>However, once it\u2019s during business hours, response time is between 24 and 48 hours.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-d9945faa gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-bf4a9cb0 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-baa70636\">\n<p>Elite Home Warranty answers calls 24\/7\/365, though weekend service costs extra. File claims online or by calling. Elite sells plans in 46 states and Washington, D.C. \u2014 California, Texas, Wisconsin, and Washington aren\u2019t covered.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-92617821\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-8e3c4080\">\n<div class=\"gb-grid-column gb-grid-column-c51f9f73\">\n<div class=\"gb-container gb-container-c51f9f73\">\n<p>Best for Additional Benefits<\/p>\n<h3 class=\"gb-headline gb-headline-91c6ed53 gb-headline-text\">AFC Home Warranty<\/h3>\n<p class=\"gb-headline gb-headline-2a9cb81a gb-headline-text\">4.3<\/p>\n<p class=\"gb-headline gb-headline-29f86551 gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-40b76a1c border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$200 off + free roof leak coverage<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-5d5c06cf gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-14076367 gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-d084394d gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-d182e32e gb-tabs__items\">\n<div class=\"gb-container gb-container-61f86a5c gb-tabs__item gb-tabs__item-open\">\n<p>With AFC Home Club\u2019s four plans, homeowners are sure to find one that works for them. The flexibility offered by multiple plans extends into its pricing. Homeowners can lower their monthly premiums by selecting a higher service fee.\u00a0<\/p>\n<p>Serving customer needs is high on AFC\u2019s priority list, and it shows on the company\u2019s website, which makes everything you need to know easy to find. There\u2019s a comprehensive overview of plans, the FAQs section answers most questions, and it\u2019s easy to apply for quotes and submit claims. I like the high level of transparency in the company\u2019s operations.<\/p>\n<p>While the company doesn\u2019t offer emergency or same-day services, it will allow homeowners to use their own technicians. If you can find a plumber to come out at 3 a.m. to fix a leak, just call AFC\u2019s claims department and verify that the plumber is licensed and insured. AFC will either pay the technician directly, or you can pay the technician and submit for reimbursement.\u00a0<\/p>\n<\/div>\n<div class=\"gb-container gb-container-045d9dbc gb-tabs__item\">\n<p>If you know you\u2019ll want add-ons with your plan, you might want to shop elsewhere. Monthly pricing for AFC\u2019s add-ons is the highest in the business. Coverage for a sump pump costs $35 a month, as compared to $3.33 a month from Choice Home Warranty or $8.99 a month with Liberty Home Guard.\u00a0<\/p>\n<p>I also find AFC\u2019s reviews concerning, as many customers had poor claims experiences. Complaints often mention confusion about coverage limits and replacement policies. It\u2019s always a good idea to familiarize yourself with the sample contracts <a href=\"https:\/\/afchomeclub.com\/whatscovered\">available online<\/a> to avoid surprises.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-2f63ce4c gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-ced3090b gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-a35f524b gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 8.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-f35fe21f\">\n<p>For homeowners who don\u2019t want add-on coverage, the options included in AFC Home Club\u2019s four plans are extensive. It\u2019s unusual in the industry for a plan to include electronics, but AFC covers them in itsDiamond Plan \u2014 great for homeowners who\u2019ve invested in expensive electronics.<\/p>\n<p>You\u2019ll find much of what you need to know on AFC\u2019s great website \u2014 a good reference if you want to double-check something the representative told you on the phone. And free roof leak protection with every plan gives AFC the best additional benefits (many competitors either exclude roof coverage or charge extra for it).<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-c3be52b9 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-693b1297 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 9\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-ca374396\">\n<p>AFC Home Club gives homeowners four plan options \u2014 the most out of all the companies on this list. Choosing a higher service fee lowers your monthly premiums \u2014 similar to how picking a high deductible under homeowners insurance typically lowers your premiums.<\/p>\n<p>For homeowners concerned about appliance coverage, the Silver plan works best. It protects nine common household appliances \u2014 everything in the kitchen from the refrigerator to the garbage disposal, your washer\/dryer, and a garage door opener.\u00a0<\/p>\n<p>Adding onto the Silver Plan, the Gold Plan includes your air conditioning and heating system, electrical systems, plumbing, water heater, and ductwork in its coverage. On the Platinum plan, you receive all of the benefits of the Silver and Gold plans plus plumbing stoppages, faucets, an ice maker,\u00a0 a built-in microwave, and exhaust, attic, and ceiling fans.\u00a0<\/p>\n<p>It might not be worth it to pay an additional $35 per month, approximately, for the Diamond plan. In addition to all the coverage of the cheaper plans, AFC\u2019s most comprehensive plan also covers electronics and exterior water and sewer lines. Someone with a ten-year-old television probably doesn\u2019t need extra electronics coverage. And while exterior sewer line repairs are quite costly, if you know that your line is in good condition, why pay the additional amount?<\/p>\n<p>While AFC doesn\u2019t currently have discounts or promotions running, in the past it\u2019s offered up to $250 off annual costs and free roof leak protection. In the below table, the first monthly cost is if you select the $75 service fee, the second monthly cost is if you select the higher $125 service fee.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee*<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Silver<\/em><\/td>\n<td>$39.08 or $34.33<\/td>\n<td>$75 \u2013125<\/td>\n<td>None at the time of writing<\/td>\n<\/tr>\n<tr>\n<td><em>Gold<\/em><\/td>\n<td>$53.17 or $48.50<\/td>\n<td>$75 \u2013 125<\/td>\n<td>None at the time of writing<\/td>\n<\/tr>\n<tr>\n<td><em>Platinum\u00a0<\/em><\/td>\n<td>$57.92 or $53.17<\/td>\n<td>$75 \u2013 125<\/td>\n<td>None at the time of writing<\/td>\n<\/tr>\n<tr>\n<td><em>Diamond<\/em><\/td>\n<td>$92.50 or $87.75<\/td>\n<td>$75 \u2013 125<\/td>\n<td>None at the time of writing<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>*If you choose the lower service fee, of $75, you pay the higher monthly premium. For example, the f $92.50 rate for the Diamond Plan pairs with the $75 service fee.<\/em><\/p>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in <\/em><em>Louisville, KY<\/em><em>. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>AFC Home Club has a decent-sized list of add-on options, but most go for higher prices than those of competitors. It charges the most for a sump pump \u2014 something to keep in mind if you live in a flood area and anticipate possible sump pump repairs.\u00a0<\/p>\n<ul>\n<li>In-ground pool: $100\/month<\/li>\n<li>Sump pump: $35\/month<\/li>\n<li>Ice maker: $25\/month<\/li>\n<li>Well pump: $50\/month<\/li>\n<li>Electronics coverage (price depends on your specific electronics)\u00a0<\/li>\n<li>In-ground pool and spa: $150\/month<\/li>\n<li>Double oven: $25\/month<\/li>\n<li>Hot water dispenser: $25\/month<\/li>\n<li>Built-in microwave: $50\/month<\/li>\n<li>Stand-alone freezer: $25\/month<\/li>\n<li>Central vacuum: $25\/month<\/li>\n<li>Septic system: $50\/month<\/li>\n<li>Roof leak (free, worth $25\/month)\u00a0<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>All of AFC Home Club\u2019s plans exclude the following from coverage:<\/p>\n<ul>\n<li>Crane rentals needed to move appliances or systems<\/li>\n<li>Geothermal heating systems<\/li>\n<li>Haul-away services<\/li>\n<li>Light fixtures<\/li>\n<li>Code violations<\/li>\n<li>Appliances and systems not properly maintained<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<p>The company requires maintenance records and proof that you properly maintained some items before it will cover repair claims on them. For example, before accepting service requests on HVAC systems, an annual maintenance log from licensed technicians is required. If a technician made a recommendation for a repair on a prior visit and you decided not to have the work done, you forfeit coverage.<\/p>\n<p>This company isn\u2019t ideal for homeowners who struggle to keep track of receipts and records. Lacking records could be an annoyance and a barrier to receiving service.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-ed279f00 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-582c8d9e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 8.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-9e5a3919\">\n<p>The Diamond Plan carries a steep price tag \u2014 the most expensive of any competitor. However, it includes items such as exterior water and sewer lines that no other plan or company covers. Pricing for its other plans is comparable to that of competitors.<\/p>\n<p>If you plan on staying in your home for awhile and want to keep your rates low,\u00a0 you can lock in pricing for five years.\u00a0 It\u2019s a great option that gives you long-term protection at affordable rates.\u00a0\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-76f0f4c5 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-a2b30c92 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 8.4\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-4d40fa43\">\n<p>I appreciated AFC Home Club\u2019s comprehensive website. I could find everything online and in writing, which allowed me to verify what I was told over the phone. Online information included sample contracts, the coverage under each plan, and pricing, making it clear that even though customers may claim that contracts are confusing, the company attempts to educate them about what is and isn\u2019t included.<\/p>\n<p>When I spoke with the customer service representative, they were patient when answering all my questions. I asked for time to think about my purchase, and he didn\u2019t pressure me to make a decision.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-f0dbcdcd gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-d9be7150 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 7.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-79573a57\">\n<p>AFC Home Club\u2019s B rating from the Better Business Bureau inspires confidence. On Trustpilot, customers give it 3 out of 5 stars and Google reviews show 3.7\u00a0 out of 5 stars.\u00a0<\/p>\n<p>Most negative reviews mention that the company denied claims the homeowner thought their policy covered, that the service technician lacked necessary skills, or misleading fine print in the contract. AFC Home Club wants its customers to understand, so it offers <a href=\"https:\/\/afchomeclub.com\/whatscovered\">sample contracts online<\/a>, as well as pop-ups for each major appliance that explain what is and isn\u2019t covered.\u00a0<\/p>\n<p>Limits are per membership term, up to $3,000 per item. If you buy a three-year policy, that is your term. If your HVAC broke in year one and the repair cost $3,000, then it broke again in year three, you\u2019d be on your own for the year three repair. Limits on other items range from $150 to $300.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>B\/2.6<\/em><\/td>\n<td><em>172<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>3<\/em><\/td>\n<td><em>24<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Google<\/em><\/td>\n<td><em>3.7<\/em><\/td>\n<td><em>1,594<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.9<\/em><\/td>\n<td><em>334<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-1fc43e3b gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-7f2d6993 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 8.4\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-6cee7ad0\">\n<p>Online reviewers state that when the company approves claims, the process is positive. Reviewers liked that AFC Home Club regularly updated the claimant on the technician\u2019s progress and the claim\u2019s status.\u00a0 Other reviewers mentioned knowledgeable and professional repair technicians.\u00a0<\/p>\n<p>File service requests by either filling out a quick form on the website or calling directly. A technician will contact you and make an appointment within 24 to 48 hours. Payment flows directly from AFC Home Club to the service provider.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-3ccf690b gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-5df6e1dc gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-6ffc53fc\">\n<p>AFC Home Club doesn\u2019t offer coverage in California and Hawaii but operates in the remaining 48 states, giving near-nationwide coverage and indicating strong contractor networks.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-aa90f819 gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/afc-home-club\/\">Read our AFC Home Warranty review<\/a><\/div>\n<\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Calculate the Cost of a Kentucky Home Warranty<\/h2>\n<p>Many home warranty providers have flat rate pricing for homes under 2,000 square feet. But if you\u2019re curious what the cost of a home warranty could be for your home, answer a few questions in the Today\u2019s Homeowner Warranty Cost Calculator to receive an estimate.<\/p>\n<div class=\"hw-calc\">\n<div class=\"hw-calculator-tho\">\n<div class=\"container\">\n<table>\n<tr>\n<th>Appliance<\/th>\n<th>Average Repair Cost<\/th>\n<th>Average Replacement Cost<\/th>\n<\/tr>\n<tr>\n<td>Dehumidifier<\/td>\n<td>$50\u2013$200<\/td>\n<td>$1,300\u2013$2,800<\/td>\n<\/tr>\n<tr>\n<td>Microwave<\/td>\n<td>$50\u2013$400<\/td>\n<td>$60\u2013$2,000<\/td>\n<\/tr>\n<tr>\n<td>Dishwasher<\/td>\n<td>$50\u2013$500<\/td>\n<td>$400\u2013$3,000<\/td>\n<\/tr>\n<tr>\n<td>Exhaust Fans<\/td>\n<td>$16\u2013$300<\/td>\n<td>$250\u2013$950<\/td>\n<\/tr>\n<tr>\n<td>Electric Range<\/td>\n<td>$100\u2013$500<\/td>\n<td>$230\u2013$3,000<\/td>\n<\/tr>\n<tr>\n<td>Gas Range<\/td>\n<td>$100\u2013$500<\/td>\n<td>$230\u2013$3,000<\/td>\n<\/tr>\n<tr>\n<td>Dryer<\/td>\n<td>$100\u2013$400<\/td>\n<td>$450\u2013$2,300<\/td>\n<\/tr>\n<tr>\n<td>Oven<\/td>\n<td>$100\u2013$430<\/td>\n<td>$400\u2013$3,000<\/td>\n<\/tr>\n<tr>\n<td>Washer<\/td>\n<td>$50\u2013$450<\/td>\n<td>$400\u2013$2,300<\/td>\n<\/tr>\n<tr>\n<td>Freezer<\/td>\n<td>$90\u2013$500<\/td>\n<td>$160\u2013$2,900<\/td>\n<\/tr>\n<tr>\n<td>Refrigerator<\/td>\n<td>$40\u2013$350<\/td>\n<td>$200\u2013$5,000<\/td>\n<\/tr>\n<\/table><\/div>\n<\/div>\n<\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Kentucky Home Warranty Regulations<\/h2>\n<p>Departments of insurance or offices of the attorney general in each state often oversee home warranty operations and regulations. Currently, neither department in Kentucky provides information on home warranty regulations in the state, although the <a href=\"https:\/\/www.ag.ky.gov\/Pages\/default.aspx\">Office of the Attorney General<\/a> is reported to be the responsible agency for home warranty issues. Consumer complaints can be filed with the Kentucky Attorney General using <a href=\"https:\/\/www.ag.ky.gov\/Resources\/Consumer-Resources\/Consumers\/Documents\/complaint_gen.pdf\">this form<\/a>.<\/p>\n<p>When you\u2019re choosing a home warranty provider in Kentucky, it\u2019s vital to do in-depth research by reading genuine customer reviews and detailed analyses. Be wary of new companies without established track records \u2014 some policies that seem too good to be true probably are. By being a careful consumer and evaluating your options using verified information, you can choose a home warranty with greater confidence, even without government regulation.<\/p>\n<p><em>Editor\u2019s Note: While this article highlights certain regulations, it is vital for readers to do their own research, as the mentioned regulations are not exhaustive.<\/em><\/p>\n<h2 class=\"wp-block-heading\">Kentucky Home Warranty News<\/h2>\n<p>The Kentucky Attorney General recently opened an <a href=\"https:\/\/www.wkyt.com\/2023\/09\/14\/wkyt-investigates-home-warranty-warning-not-all-companies-created-equal-experts-say-amid-complaints\/\">investigation into Choice Home Warranty<\/a> due to 47 consumer complaints dating back to 2018. The company has also paid settlements in other states. Most of the complaints relate to misunderstandings about exclusions and dissatisfaction with the contractors that the warranty company sent for repairs.\u00a0<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<div id=\"hm-faq-block_73c36252d75d025865b91b03fb8d391a 1\" class=\"hm-faq hm-faq--two-column\">\n<h2 class=\"hm-faq__title \" data-toc-text=\"Frequently Asked Questions\">Frequently Asked Questions<\/h2>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n                        Do You Need a Home Warranty in Kentucky?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">A home warranty can help prevent sudden high repair costs for your home systems and appliances through an affordable monthly premium that covers repairs and replacements. Kentucky\u2019s climate makes coverage especially useful.\u00a0<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n                        How Much Does a Home Warranty Cost in Kentucky?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">The average cost of a home warranty in Kentucky is $63.30. Coverage limits and covered items contribute to what a <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/cost\/home-warranty-cost\/\"><span style=\"font-weight: 400;\">home warranty costs<\/span><\/a><span style=\"font-weight: 400;\">. The more you want your policy to cover, the more you\u2019ll pay.\u00a0<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n                        How to Save Money When Shopping for Home Warranties In Kentucky?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">To lower your monthly home warranty premium, look at providers such as AFC Home Club or American Home Shield. By selecting a higher service fee, you can reduce your monthly premium. Customer service representatives often offer better deals over the phone, so even if you completed an online quote, it\u2019s worth it to pick up when they call.<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n                        Is a Home Warranty Worth It for Kentucky Homeowners?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">A home warranty is worth it for Kentucky homeowners because the savings on just one covered repair can outweigh the policy cost. <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/are-home-warranties-worth-it\/\"><span style=\"font-weight: 400;\">Home warranties provide peace of mind<\/span><\/a><span style=\"font-weight: 400;\"> against expensive AC, appliance, and plumbing failures common in Kentucky.<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n                    <\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h4 class=\"wp-block-heading\" id=\"h-other-resources-for-kentucky-homeowners\">Other Resources for Kentucky Homeowners<\/h4>\n<h4 class=\"wp-block-heading\" id=\"h-best-home-warranties-by-state\">Best Home Warranties by State<\/h4>\n<figure class=\"wp-block-th-3s-custom-blocks-table-container thcb-table thcb-table_58hZ7jNxtQub\"\/>\n\t\t<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>The moment you experience an appliance breakdown or AC compressor failing on the hottest day in summer, you\u2019ll discover all the exceptions in your homeowners insurance.\u00a0 Major appliance and system damage and malfunction are typically only covered if they result from a qualifying event.\u00a0 When you\u2019ve stocked up before a Bengals game, it\u2019s a bad [&hellip;]<\/p>\n","protected":false},"author":334,"featured_media":10072,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[124],"tags":[],"class_list":["post-10071","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-improvement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Top 5 Best Home Warranty Companies in Kentucky | Unlock Informed Choices with Us<\/title>\n<meta name=\"description\" content=\"If you\u2019re looking for the best home warranties in Kentucky, we\u2019ve narrowed down your options by looking at affordability, service, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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