{"id":10636,"date":"2024-04-19T23:50:49","date_gmt":"2024-04-19T23:50:49","guid":{"rendered":"https:\/\/topat10.com\/?p=10636"},"modified":"2024-04-19T23:50:49","modified_gmt":"2024-04-19T23:50:49","slug":"top-5-best-home-warranty-companies-for-buyers","status":"publish","type":"post","link":"https:\/\/topat10.com\/?p=10636","title":{"rendered":"Top 5 Best Home Warranty Companies for Buyers"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div itemprop=\"text\">\n<p>Buying a home is one of the biggest experiences of our lives. Whether you\u2019ve bought homes before or this is your first, there is one thing that all homeowners can relate to: the bad luck of appliances or home systems seemingly breaking down as soon as we move in. Nothing is more frustrating, especially after you just spent a lot of money on purchasing the home.\u00a0<\/p>\n<p>So, what should you do? A home warranty protects you financially from these thousands of dollars of repairs and replacement costs and softens these frustrating blows. However, if you\u2019re like many homeowners (myself included), most of us are skeptical because some shady companies take advantage of consumers. Fortunately, there are reliable companies on the market that have Better Business Bureau accreditations, hundreds of positive reviews, and a good track record of accepting most claims. I\u2019ve put in the time researching, so you don\u2019t have to spend hours reading dense sample contracts from these providers (at least not until you find one you\u2019re sure you want).\u00a0<\/p>\n<p>After dozens of hours spent investigating, secret shopping, and scrutinizing these companies, here are the <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/best-home-warranty\/\">best home warranty companies<\/a> for buyers. I\u2019ve used Today\u2019s Homeowners\u2019s unique criteria and ranked these companies based on plans and coverage, availability, affordability, reputation, and customer experience to give you a nuanced look at each provider. And I won\u2019t hold back on my criticism because even the best of the best have their weak points.\u00a0<\/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 L12.3658947,23.7234994 L12.3769048,23.7357139 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L12.3186497,23.7024347 L12.3186497,23.7024347 L12.3225043,23.6906389 L12.340401,23.2611114 L12.337245,23.2485176 L12.337245,23.2485176 L12.3277531,23.2396597 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-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\" 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 L12.6471943,23.2611114 L12.6650943,23.6906389 L12.6699349,23.7034178 L12.6699349,23.7034178 L12.678386,23.7104931 L12.8793402,23.8032389 C12.8914285,23.8068999 12.9022333,23.8029875 12.9078286,23.7952264 L12.9118235,23.7811639 L12.8776777,23.1665331 C12.8752882,23.1545897 12.8674102,23.1470016 12.8583906,23.1452862 L12.8583906,23.1452862 Z M12.1430473,23.1473072 C12.1332178,23.1423925 12.1221763,23.1452606 12.1156365,23.1525954 L12.1099173,23.1665331 L12.0757714,23.7811639 C12.0751323,23.7926639 12.0828099,23.8018602 12.0926481,23.8045676 L12.108256,23.8032389 L12.3092106,23.7104931 L12.3186497,23.7024347 L12.3186497,23.7024347 L12.3225043,23.6906389 L12.340401,23.2611114 L12.337245,23.2485176 L12.337245,23.2485176 L12.3277531,23.2396597 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 L12.6471943,23.2611114 L12.6650943,23.6906389 L12.6699349,23.7034178 L12.6699349,23.7034178 L12.678386,23.7104931 L12.8793402,23.8032389 C12.8914285,23.8068999 12.9022333,23.8029875 12.9078286,23.7952264 L12.9118235,23.7811639 L12.8776777,23.1665331 C12.8752882,23.1545897 12.8674102,23.1470016 12.8583906,23.1452862 L12.8583906,23.1452862 Z M12.1430473,23.1473072 C12.1332178,23.1423925 12.1221763,23.1452606 12.1156365,23.1525954 L12.1099173,23.1665331 L12.0757714,23.7811639 C12.0751323,23.7926639 12.0828099,23.8018602 12.0926481,23.8045676 L12.108256,23.8032389 L12.3092106,23.7104931 L12.3186497,23.7024347 L12.3186497,23.7024347 L12.3225043,23.6906389 L12.340401,23.2611114 L12.337245,23.2485176 L12.337245,23.2485176 L12.3277531,23.2396597 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-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 Home Warranty Companies for Buyers<\/h2>\n<section id=\"th-subscribe-block_35946a4e565bcffc68c1552049cc21e2\" 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>Some home warranty companies require maintenance records to prove that you properly maintained your appliance or home system before it broke. However, this is a big problem if you\u2019ve just moved in and don\u2019t have records from the previous owner. As a result, I recommend American Home Shield, which doesn\u2019t require any maintenance records and doesn\u2019t deny claims based on unknown preexisting conditions that you may not even know about.<\/li>\n<li>I\u2019ll be honest. Here\u2019s a case where a home warranty really isn\u2019t necessary: When you have a manufacturer\u2019s warranty covering normal wear and tear, you don\u2019t need a home warranty on top of that. Save your money.<\/li>\n<li>Almost all homeowners can benefit from roof leak coverage (which Select Home Warranty includes for free in all of their plans and is the only provider on this list to claim that), whether you live in a snowy, humid, or rainy climate. All of these contribute to your roof wearing down faster. <\/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<p>As a home buyer, you may not have the previous owner\u2019s maintenance records, so you don\u2019t want a home warranty company that requires these for all or most appliances or systems. American Home Shield and Elite Home Warranty don\u2019t require maintenance records, making them two of my top picks. If I were to choose one, I\u2019d go with American Home Shield because it has high coverage levels and doesn\u2019t deny claims based on unknown preexisting conditions, meaning you don\u2019t have to stress that your appliance has a condition that could get your claim denied even when you didn\u2019t know about it. However, buyers purchasing a home with a lot of unique features may want to consider Liberty Home Guard for its 40+ additional add-ons and positive customer reviews.<\/p>\n<section id=\"th-tips-block_60463c76ddecc8f5e2d335e4681549dc\" class=\"th-block th-tips\" style=\"color: ; background-color: ;\">\n<div class=\"thTipsContainer\">\n<p>Today\u2019s Homeowner Tips<\/p>\n<p>            American Home Shield and Elite Home Warranty don\u2019t require maintenance records, making them two of my top picks        <\/p><\/div>\n<\/section>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\">Home Warranty Companies for Buyers I Didn\u2019t Include<\/h3>\n<p>I didn\u2019t include US Home Guard on this list because it has an F rating with the Better Business Bureau. The BBB even issued current alerts, sharing that they\u2019ve received a pattern of consumer complaints around US Home Guard\u2019s marketing, noting scam-like tactics. Their website also lacks information for homeowners, with the homeowners\u2019 plan page coming up with an \u201cOops! That page can\u2019t be found message.\u201d\u00a0<\/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-for-buyers\" data-toc-text=\"Compare Best Home Warranty Companies\">Compare The Highest Rated Home Warranties for Buyers<\/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-for-buyers\">Our Reviews of the Best Home Warranties for Buyers<\/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>If your new home has unique features like a casita guest unit, a second refrigerator, or an instant hot water dispenser, Liberty Home Guard is the best in the industry for receiving coverage on things that aren\u2019t commonly covered. You can choose from over 40 add-on options, which is critical to protect yourself financially if you don\u2019t want to end up with a hefty repair bill to fix your second refrigerator. I also love Liberty\u2019s maintenance add-ons, like carpet cleaning, gutter cleaning, and pest control, as they can help you keep up with your new home and establish a regular cleaning and pest prevention schedule.\u00a0<\/p>\n<\/div>\n<div class=\"gb-container gb-container-212c2d09 gb-tabs__item\">\n<p>When you first buy a home, you\u2019re not acquainted with all the ins and outs of how well certain appliances and home systems work. You may have a mix of old and new appliances or end up with a stove that just never seems to work. There\u2019s a lot of uncertainty, and Liberty doesn\u2019t cover preexisting conditions, which means if your appliances have any current problems, they would be excluded from coverage for new issues that arise. This may not be a dealbreaker if you have a good grasp of your new home\u2019s appliance\u2019s health or your home has all new appliances. But if you have older appliances, you\u2019ll want to have a technician assess them for preexisting conditions to ensure you\u2019re not left without coverage when that leaky refrigerator finally gives out.\u00a0<\/p>\n<p>Another downside is Liberty\u2019s lower-than-average coverage caps. Liberty only provides coverage on some systems and appliances up to $2,000. Some, like your electrical or plumbing systems, receive as little as $500, which simply isn\u2019t enough for most extensive repairs or replacements. Exclusions and lower coverage caps like these are the most common causes of dissatisfaction among home warranty customers. So, closely read your sample policy for a better look at what is and isn\u2019t covered and the maximum reimbursement for each system or appliance.\u00a0<\/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>This provider has exceptional customer reviews from third-party websites like Trustpilot and the Better Business Bureau, giving me a lot of faith in their sustainable, consistent handling of customer issues. They offer availability to buyers in all 50 states and have a speedy claim turnaround time of only 12 hours. This means you\u2019ll be greeted and helped by an \u201cLHG-certified\u201d technician much faster when you need repairs than providers like American Home Shield, which takes 24 to 48 hours to process claims.\u00a0<\/p>\n<p>Not only does Liberty have standout customer service, but other companies can\u2019t beat their additional coverage options. You can choose from unique options like a casita guest unit, reverse osmosis filter, and many maintenance options like pest control and gutter cleaning. This mix-and-match plan customization allows you to curate your plan to your exact needs so you\u2019re not overpaying for coverage you don\u2019t need or not receiving enough coverage for unique features in your new home. However, Liberty does have lower coverage caps that max out at only $2,000 for some items. If you need an expensive replacement or repair, this may leave you footing part of the bill. Another con is that Liberty excludes preexisting conditions. If your home has new appliances and systems, this likely won\u2019t be a dealbreaker for you. Still, if you\u2019re aware of current appliance issues, you\u2019ll want to look at another provider, like American Home Shield, which covers preexisting conditions.\u00a0<\/p>\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>Liberty has a perfect score in this category for good reason. Between its flexible plan options, which feature an appliance-only, systems-only, and comprehensive plan offering protection for both, Liberty has more options and comprehensive coverage than many providers. For example, Choice Home Warranty\u2019s Basic Plan doesn\u2019t even cover your dishwasher or laundry machines, which are essential appliances that you may want covered. However, you can receive coverage for these machines with the Appliance Guard or Total Guard plan through Liberty.\u00a0<\/p>\n<p>For buyers, I recommend looking into the Total Home Guard plan because you may not know exactly how old or how often certain appliances or systems in your new home need repairs. This will give you greater peace of mind that your primary appliances and systems, like electrical and HVAC, are covered, so you don\u2019t need to lay awake at night worrying about your air conditioning going out during a heat wave. If you\u2019ve bought a condo, consider the Appliance Guard plan instead, as your HOA likely covers most major systems for the entire complex, so you may only need <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/appliance-insurance\/\">an appliance-only policy.\u00a0<\/a><\/p>\n<p>The following table doesn\u2019t factor in available discounts.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td>Plan<\/td>\n<td>Monthly Cost<\/td>\n<td>Service Fee<\/td>\n<td>Available Discounts<\/td>\n<\/tr>\n<tr>\n<td>Appliance Guard<\/td>\n<td>$49.99<\/td>\n<td>$125<\/td>\n<td>Two months free, free limited roof leak protection, $200 off coupon (website or phone)<\/td>\n<\/tr>\n<tr>\n<td>Systems Guard<\/td>\n<td>$54.99<\/td>\n<td>$125<\/td>\n<td>Two months free, free limited roof leak protection, $200 off coupon (website or phone)<\/td>\n<\/tr>\n<tr>\n<td>Total Home Guard<\/td>\n<td>$59.99<\/td>\n<td>$125<\/td>\n<td>Two months free, free limited roof leak protection, $200 off coupon (website or phone)<\/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 Santa Fe, NM. 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 your new home has unique items and features, like a casita guest unit, saltwater pool, or wine cooler, Liberty is an excellent choice. I especially like that you can add maintenance coverage to your plan, such as carpet cleaning, pest control, or gutter cleaning, which reduces the maintenance you need to put into your new house yourself.\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>Stand-alone 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 stand-alone 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<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>Liberty Home Guard has a large number of exclusions, and some of these may be a dealbreaker for you, depending on how new your home\u2019s appliances and systems are. For example, Liberty doesn\u2019t cover preexisting conditions. While this isn\u2019t uncommon, it can be a problem for you if your appliances are older and have existing issues. Before moving in, assess your home\u2019s appliances and systems so you can decide if the coverage is worth it or if you have too many systems with preexisting conditions to benefit from Liberty\u2019s coverage.\u00a0<\/p>\n<ul>\n<li>Preexisting conditions<\/li>\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>Malfunction due to storms or other acts of God<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, readers should 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>Liberty Home Guard has competitive pricing, with the quotes I received for a two-bedroom home in Santa Fe, New Mexico, costing less than $60 monthly. On top of their affordable pricing, Liberty offers several discount options, including a $200 off deal on their website I found during secret shopping. When I lingered on Liberty\u2019s website for a couple of minutes and then switched to another tab in my web browser, I was immediately offered $200 off my annual plan when I returned to Liberty\u2019s website. This is a significant savings, as most of their plans cost less than $800 per year (without factoring in add-ons).\u00a0<\/p>\n<p>However, Liberty falls short with pricier add-ons. While they offer a wide variety of add-ons, which can help you as a home buyer truly customize the coverage to unique features in your home, like a reverse osmosis water filter, their add-ons are expensive. Most add-ons cost between $20 to $25 a month or $240 to $300 a year, which can cause a significant drain on your budget. Still, you\u2019re unlikely to find another home warranty company with a more diverse range of add-ons, so if you have unique features and want coverage, Liberty is your best choice.\u00a0<\/p>\n<section id=\"th-tips-block_a53e3133d48b831982f51dac60701346\" class=\"th-block th-tips\" style=\"color: ; background-color: ;\">\n<div class=\"thTipsContainer\">\n<p>Today\u2019s Homeowner Tips<\/p>\n<p>            If more affordable add-ons are a must-have for you, look into Select Home Warranty or Choice Home Warranty. Many of these providers\u2019 add-ons are half the price of Liberty\u2019s. For example, coverage for a second refrigerator is $7.99 with Liberty but only $3.33 per month with Choice Home Warranty.         <\/p><\/div>\n<\/section>\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>Whenever I\u2019ve spoken with an agent, I\u2019ve found the representative professional, informative, and pleasant. I\u2019ve never had a pushy sales experience, which is a nice change from other providers like American Home Shield. Another benefit of Liberty is its workmanship guarantee. This 60-day guarantee is double the industry standard of 30 days, giving you more time to test your recently repaired appliance to ensure the repair was sufficient. Plus, I like that Liberty thoroughly vets all of their technicians, and these contractors must maintain specific standards to stay \u201cLHG-certified\u201d to work through the company. Liberty shares that most of their technicians can solve the initial problem on their first visit, which gives you a faster turnaround time with repairs, so you\u2019re not left waiting for a second appointment while your dishwasher leaks everywhere.\u00a0<\/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>Liberty Home Guard has one of the best company reputations of all the providers in this guide, with a 4.7-star overall rating from over 2,500 Trustpilot reviews. This rating is superior to most providers, like American Home Shield or Choice Home Warranty, who receive two to three-star scores. While customer ratings aren\u2019t everything, these positive reviews give me peace of mind. Few providers, other than Elite Home Warranty, rival these high scores, according to my experience researching dozens of home warranty companies.\u00a0<\/p>\n<p>Positive reviews typically praise Liberty for its professional technicians, fast claim turnaround times, and impressive customer service, which supports a top-notch company reputation, even if it\u2019s only been in business for six years. In contrast, negative reviews highlight issues with exclusions, lower coverage limits, and unexpected additional service fee charges.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td>Rating Site<\/td>\n<td>Rating<\/td>\n<td>Number of Reviews<\/td>\n<\/tr>\n<tr>\n<td>BBB<\/td>\n<td>NR*\/4.5\u00a0<\/td>\n<td>2,496<\/td>\n<\/tr>\n<tr>\n<td>Trustpilot<\/td>\n<td>4.7<\/td>\n<td>2,847<\/td>\n<\/tr>\n<tr>\n<td>Yelp<\/td>\n<td>1.5<\/td>\n<td>63<\/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<p><em>*Note (04\/17\/2024): Recently, the Better Business Bureau shifted LHG\u2019s A+ rating to \u201cNR\u201d (Not Rated). We reached out to a representative from LHG for comment, and they shared this statement: \u201cDespite the BBB\u2019s alert, our customer satisfaction levels remain by far the highest relative to our scale. Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB\u2019s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard\u2019s BBB profile equate to an extremely low fraction of a percentage relative to the size and scale of our total customer base. As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.\u201d<\/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>If you\u2019re worried about claim turnaround time, Liberty is one of the best providers on the market. Liberty Home Guard has a standout 12-hour average response time after they receive a claim \u2014 a significant improvement over the industry standard of 48 hours. For example, American Home Shield typically takes one to two days to respond to a claim, while Liberty often takes only half a day. This can make a massive difference when you\u2019re without a working HVAC unit on a hot summer day, so this is something that I\u2019d definitely factor into my decision-making process. On top of this excellent claim response time, you can file claims in more ways than most providers. Liberty has phone service, an online portal, and a mobile app, which I rarely see other companies offer, giving you more choices than most for handling urgent claims.\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 provides coverage for buyers in all 50 states, demonstrating its fantastic availability. This home warranty company also receives excellent reviews throughout the United States, showcasing its consistently positive service.\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>American Home Shield has high coverage limits of up to $4,000 on appliances and up to $5,000 on home systems like your HVAC. What I love about these caps is that they are more than double what many home warranty providers offer and ensure your coverage is enough for most total replacements or large repairs. If your new home has older appliances, higher coverage like this is incredibly reassuring because you\u2019ll likely need new appliances in the near future.\u00a0<\/p>\n<p>The other standout benefit of enrolling in a plan with AHS is that they don\u2019t exclude you based on unknown preexisting conditions, normal wear and tear, or old appliances. You don\u2019t even have to worry about providing maintenance records when you submit a claim, which is critical if you\u2019ve just bought the house and don\u2019t have records from the previous owner. Many providers deny claims based on these factors, so I deeply appreciate American Home Shield\u2019s understanding approach to covering items with unknown preexisting conditions or no maintenance records \u2014 because who has time to assess every appliance in their home and keep up with every recommended maintenance perfectly?<\/p>\n<\/div>\n<div class=\"gb-container gb-container-5fca56db gb-tabs__item\">\n<p>While I think the good outweighs the bad with this provider, AHS\u2019s higher prices aren\u2019t ideal for many homeowners, especially if you\u2019ve just bought a home and are investing in furniture and other changes to the house. One of the quotes I received was for as much as $139.99 per month, which is a significant investment (although the coverage is definitely better than almost all providers on the market, so this may be worth it to you, depending on your priorities).\u00a0<\/p>\n<p>Another con is their costly service fee options of $100 or $125. Home warranty providers charge a service call fee every time they send out a technician for a claim, which can quickly add up if you have many claims within a year. Providers like Select Home Warranty offer more affordable service call fees of $75 and cheaper monthly premiums, so look into them if you\u2019re on a tight budget.\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>American Home Warranty is one of my preferred providers for recent home buyers because they don\u2019t discriminate against preexisting conditions or require maintenance records to prove you\u2019ve kept up with maintenance over the years. Some companies, like Select Home Warranty, require up to three years of maintenance records for HVAC coverage, which is next to impossible for most people who just bought a home to provide. Another plus is their high coverage caps of up to $4,000 for appliances and up to $5,000 for home systems, double what many providers offer.\u00a0<\/p>\n<p>However, all of these benefits come at a higher cost. Your monthly premium may be as much as double the national average of $50 per month with AHS, and they have high service fee options of $100 and $125. Another con is their lower customer ratings on websites like Trustpilot and Yelp, two to three stars lower than what Liberty Home Guard or Elite Home Warranty receives. Still, you want to take customer reviews with a grain of salt because most customers who take the time to review a company are either very pleased or upset with the service, which can skew the overall scores. This provider is BBB-accredited, giving them more credibility and negating some of my worries about their lower customer rating scores.\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\" referrerpolicy=\"strict-origin-when-cross-origin\" 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>For home buyers, I\u2019d opt for the ShieldPlatinum plan because it covers appliances and systems and comes with free roof leak protection for up to $1,000 \u2014 a significant perk that most providers make you pay extra for. Water damage is incredibly expensive, so this coverage can save you. The plan even comes with a free annual HVAC tune-up that can save you additional money in repairs and up to $50,000 in total coverage limit per agreement term, which is ample enough for most homes and enough to give me peace of mind. Even your garage door opener and all of its parts, the extension, and torsion springs are part of this plan, so you won\u2019t have to worry about this often-forgotten home feature that you\u2019d undoubtedly miss once it stops working.\u00a0<\/p>\n<p>The following table doesn\u2019t factor in available discounts into the provided monthly cost.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td>Plan<\/td>\n<td>Monthly Cost<\/td>\n<td>Service Fee<\/td>\n<td>Available Discounts<\/td>\n<\/tr>\n<tr>\n<td>ShieldSilver<\/td>\n<td>$59.99 \u2013 89.99\u00a0<\/td>\n<td>$100 \u2013 $125<\/td>\n<td>Same-day discount of $125 off first year (website)<\/td>\n<\/tr>\n<tr>\n<td>ShieldGold<\/td>\n<td>$79.99 \u2013 109.99\u00a0<\/td>\n<td>$100 \u2013 $125<\/td>\n<td>Same-day discount of $125 off first year (website)<\/td>\n<\/tr>\n<tr>\n<td>ShieldPlatinum<\/td>\n<td>$109.99 \u2013 139.99<\/td>\n<td>$100 \u2013 $125<\/td>\n<td>Same-day discount of $125 off first year(website)<\/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 Santa Fe, NM. 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>American Home Shield offers affordable add-ons but lacks the variety that providers like Elite Home Warranty or Liberty Home Guard have. However, they do offer roof leak repair protection, which gives you up to $1,000 in protection. If you don\u2019t opt for the ShieldPlatinum plan (which has free roof leak repair coverage), opt for this add-on, as most parts of the country experience enough rain or snow that your roof takes a beating.\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>None of American Home Shield\u2019s exclusions are a red flag to me. This provider shines for its lack of a maintenance or preexisting condition exclusion, which providers like Select Home Warranty do exclude. This leads to more claim denials if you don\u2019t perfectly maintain your appliances or your systems already have existing issues.\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>Natural disasters<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, readers must 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>If you\u2019re on a tight budget after purchasing your new home, AHS may not be the right option for you. While it advertises plans with rates starting at $39.99 per month, I\u2019ve personally only received quotes for many states with rates starting at $59.99 or more. Some plans, like the sample price above, cost $139.99 per month, which is no small fee. However, you are receiving above-average coverage and value because American Home Shield\u2019s coverage caps are high enough to cover most appliance or home system problems. I like that you can choose a higher service fee if you\u2019re interested in a lower monthly premium and recommend this to homeowners with newer appliances and systems, as you\u2019ll probably need fewer service visits, so the lower monthly premium will likely save you more.\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>American Home Shield has an average workmanship guarantee of 30 days, which is standard. A workmanship guarantee prevents situations where you have to pay an additional service fee to have someone sent out to address a repair or replacement that was just performed within the last 30 days. While AHS\u2019 workmanship guarantee isn\u2019t as impressive as Liberty\u2019s 60-day guarantee, it\u2019s industry standard and enough for most situations. Otherwise, I enjoy American Home Shield\u2019s quick, user-friendly quote process, which is easy to navigate. This is a big help when you\u2019re shopping around multiple providers. During my secret shopping, AHS agents were polite and knowledgeable, but I did experience a barrage of follow-up calls and voicemails, which was a pain.\u00a0<\/p>\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>AHS is BBB-accredited (rare in this industry), which gives it a significant boost in terms of company reputation. This provider also has 53 years of industry experience, which is far more than providers like Elite Home Warranty, which only has four years of experience. On the negative side, AHS has lousy ratings from third-party websites like Yelp and Trustpilot, with reviews speaking up about issues with customer service, contract cancellations, and not enough technicians locally, which led to slower repairs. These are issues I wouldn\u2019t personally want to deal with on top of the aggravation of having a broken appliance. Positive reviews generally spoke about satisfaction with AHS\u2019 above-average coverage levels, which was enough to cover large repairs or big replacements and saved some customers from going into credit card debt, which is encouraging to read as we all want home warranties with enough coverage to save us from paying for these expenses out-of-pocket.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td>Rating Site<\/td>\n<td>Rating<\/td>\n<td>Number of Reviews<\/td>\n<\/tr>\n<tr>\n<td>BBB<\/td>\n<td>B\/2.11<\/td>\n<td>11,119<\/td>\n<\/tr>\n<tr>\n<td>Trustpilot<\/td>\n<td>2.1<\/td>\n<td>5,290<\/td>\n<\/tr>\n<tr>\n<td>Yelp<\/td>\n<td>1.1<\/td>\n<td>1,282<\/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>American Home Shield\u2019s standard claim processing time is approximately 24 to 48 hours, which is fine for most situations. Depending on your preference, you can submit a claim through their online portal or over the phone 24\/7\/365 \u2014 this above-and-beyond availability reassures me when I think about dealing with a broken heater in the middle of the night.\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>Home buyers can take advantage of AHS\u2019 coverage in 48 states, excluding Califonia and Hawaii. I love that American Home Shield has a vast network of over 17,000 contractors, allowing them to handle many claims efficiently. They have over two million policy members and counting, demonstrating their steadfast business model, especially considering that they\u2019ve paid out over four billion dollars in home warranty claims in the last seven years alone.\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-7fa54571\">\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 Claims Acceptance<\/p>\n<h3 class=\"gb-headline gb-headline-fdb201a8 gb-headline-text\">Choice 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>$50 Off + 1 month free!<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-5c079386 gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-00878a0a gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-aa8abbe7 gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-57e24bdc gb-tabs__items\">\n<div class=\"gb-container gb-container-f85b1b17 gb-tabs__item gb-tabs__item-open\">\n<p>No homeowner wants to worry about their home warranty provider denying their claims. After all, it\u2019s stressful enough when your fridge breaks down, and you\u2019re worried about all your food spoiling \u2014 we don\u2019t want to worry about arguing with our home warranty company about accepting our claim, too. Fortunately, Choice Home Warranty is known for their high claim acceptance rate, meaning you won\u2019t be left arguing for a claim to be accepted or giving up and paying for the repair out of pocket in most cases.\u00a0<\/p>\n<p>In addition, CHW has a superior 90-day workmanship warranty for parts and a 60-day guarantee for labor. These guarantees ensure you have plenty of time to use your fixed appliance or system and report any issues before the 60 or 90-day mark to have them addressed again, if necessary, without paying an additional service fee. I love the peace of mind this provides personally, and this guarantee is two to three times the industry average of 30 days, making it a solid value.\u00a0<\/p>\n<\/div>\n<div class=\"gb-container gb-container-4a613e10 gb-tabs__item\">\n<p>Choice Home Warranty doesn\u2019t offer the best coverage on the market (certainly not next to providers like American Home Shield and Elite Home Warranty). Some of their coverage caps are shockingly low and won\u2019t be sufficient for your new home if it has premium appliances or many older appliances and systems that\u2019ll need total replacement soon.\u00a0<\/p>\n<p>For example, you can opt for well pump coverage with Choice, but it only covers up to $500 in total for access, diagnosis, repair, and replacement. This is far from enough because the <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/best-home-warranty-for-wells\/\">average cost to repair a well pump<\/a> is around $750, with a total replacement costing closer to $1,600. Either way, you\u2019ll end up paying for part of a significant repair or replacement for a well pump yourself, which I don\u2019t love.\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\/tHGPyps4LagtbnsOhPaxU1vEvykgiQEEMWfojABW8_Yc80ay8IW61sm-9FPir7wKuhDGLK8MTC0L-uB7FnRgeuZ7HJtB-E2NLJINbtPShnTuSp79VBwwKxDjIMXPI5bG83SsbPXchW-rpQVJvjKWN1s\"\/><noscript><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/lh7-us.googleusercontent.com\/tHGPyps4LagtbnsOhPaxU1vEvykgiQEEMWfojABW8_Yc80ay8IW61sm-9FPir7wKuhDGLK8MTC0L-uB7FnRgeuZ7HJtB-E2NLJINbtPShnTuSp79VBwwKxDjIMXPI5bG83SsbPXchW-rpQVJvjKWN1s\" class=\"lazyload\" alt=\"\"\/><\/noscript><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-fd1e0948 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-2b81c66d gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-bffb53c1 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-0c1b0fd3\">\n<p>As a home buyer, you\u2019ll want to note that Choice won\u2019t cover known or unknown preexisting conditions, and all appliances or home systems eligible for coverage must be in proper working order on the effective date of your home warranty with Choice. So, you\u2019ll want to have your new home checked out by a contractor or have proof on your home purchase paperwork that these appliances or systems were in good working condition. I recommend reading your policy closely, as some items have particularly low coverage caps. For example, your stand-alone ice maker, roof leaks, septic systems, and well pumps are only covered up to $500, which isn\u2019t enough coverage for a complete replacement or extensive repair in many cases. If you\u2019re interested in higher coverage caps, look at American Home Shield or Elite Home Warranty instead.\u00a0<\/p>\n<p>On the positive side, CHW has a high claim acceptance rate and a fantastic workmanship guarantee that covers parts for 90 days and labor for 60 days after a repair or replacement. This gives you ample time to assess the repair and ensure your home system or appliance is working properly.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-74f1972a gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-cd008886 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-b7a5e534\">\n<p>Choice Home Warranty isn\u2019t as customizable as Liberty Home Guard because it offers fewer add-ons and plan options. But, their Total Plan can be affordable for home buyers wanting coverage for appliances and home systems. I\u2019d recommend skipping the Basic Plan altogether because common appliances like kitchen appliances, AC units, and clothes washers and dryers aren\u2019t covered in this policy, which is a dealbreaker for me and many homeowners. The Total Plan has more comprehensive coverage for all those appliances, plus plumbing stoppages, garbage disposals, exhaust fans, and cooktops, making it my favorite plan from this company.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td>Plan<\/td>\n<td>Monthly Cost*<\/td>\n<td>Service Fee<\/td>\n<td>Available Discounts<\/td>\n<\/tr>\n<tr>\n<td>Basic Plan<\/td>\n<td>$46.67<\/td>\n<td>$100<\/td>\n<td>5% discount, annual payment discounts, and\u00a0 1 month free (online or phone)<\/td>\n<\/tr>\n<tr>\n<td>Total Plan<\/td>\n<td>$54.75<\/td>\n<td>$100<\/td>\n<td>5% discount, annual payment discounts, and\u00a0 1 month free (online or phone)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>*<\/em><em>The monthly cost figures provided include the 5% discount offered at the time of writing. Choice Home Warranty has been running this promotion since the beginning of this year.<\/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 Santa Fe. 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>CHW doesn\u2019t have a large selection of add\u2013ons, at least not next to providers like Liberty Home Guard, which has more than 40 choices. However, they offer limited roof leak protection, which I recommend for most homeowners since roof repair is notoriously costly.\u00a0<\/p>\n<ul>\n<li>Central vacuum: $3.33\/month<\/li>\n<li>Limited roof leak: $5.83\/month<\/li>\n<li>Pool: $15\/month<\/li>\n<li>Second Refrigerator: $3.33\/month<\/li>\n<li>Septic System: $10\/month<\/li>\n<li>Septic Tank Pumping: $5.42\/month<\/li>\n<li>Spa: $15\/month<\/li>\n<li>Additional Spa: $15\/month<\/li>\n<li>Sprinkler system: $8.33\/month<\/li>\n<li>Stand-alone freezer: $3.33\/month<\/li>\n<li>Sump pump: $3.33\/month<\/li>\n<li>Well pump: $8.33\/month<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>None of Choice\u2019s exclusions stood out as unusual to me. If you have a pool in your new home, note that pool accessories aren\u2019t covered, even if you have the pool add-on coverage.\u00a0<\/p>\n<ul>\n<li>Audio or visual equipment<\/li>\n<li>Internet connection components<\/li>\n<li>Upgrades or modifications to original systems or appliances<\/li>\n<li>Pool accessories<\/li>\n<li>Fireplaces<\/li>\n<li>Doorbell<\/li>\n<li>Central vacuum ductwork, accessories, hoses, and blockages<\/li>\n<li>Portable or above-ground spas and pools<\/li>\n<li>Act of God incidents<\/li>\n<li>Known or unknown preexisting conditions<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, readers should 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-0076f407 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-33a43a08 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-39427a2c\">\n<p>Choice Home Warranty is one of the industry\u2019s most <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/cheapest-home-warranty\/\">affordable home warranty companies<\/a> (following Select Home Warranty). During my secret shopping, I received quotes for less than $55 per month for a two-bedroom home in New Mexico, about $10 less than the average home warranty monthly premiums for home buyers based on my research. On top of this, Choice\u2019s add-ons are largely inexpensive and cost about half as much as many of Liberty Home Guard\u2019s options, making it easier for homeowners on a budget to stay within that budget but receive extra coverage for unique features like their sprinkler system, pool, or second refrigerator.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-7b9474f9 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-6b2f1d9e 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-8bb26d34\">\n<p>A smooth customer experience is key to satisfaction with just about any company in the service industry, and Choice delivers this. For starters, they vet all local contractors, which leaves me with less work as I hate having to suddenly drop everything to scramble to research, vet, and make an appointment with a contractor when something breaks down. Once you submit your claim and it\u2019s approved, Choice handles this by choosing a contractor from their network and scheduling the appointment with you.\u00a0<\/p>\n<p>Plus, Choice has a user-friendly website and instant quote generator that are easy to navigate and very educational. My only criticism is you have to go back and forth between web pages in the quote generator to see what different plans cost, rather than all of the information being on one page, as Liberty Home Guard offers.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-bfd6a497 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-e2a30012 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-1b698630\">\n<p>Choice Home Warranty has a solid company reputation with a strong B rating from the Better Business Bureau and close to four-star rating from nearly 40,000 reviewers on Trustpilot. These scores are much better than American Home Shield\u2019s 2.1-star rating from Trustpilot, giving me more faith in their process. They also have 14 years of experience in the industry, more than most home warranty companies on this list, and a plethora of positive reviews. Customers cited good experiences with professional customer service agents, fast home repairs, and a high claim acceptance \u2014 all things I want from my home warranty provider. On the other hand, negative reviews criticized problems with repeatedly opening claims to have it approved, which bothers me, as I don\u2019t want to stress about claim denial when my plumbing is on the fritz.\u00a0<\/p>\n<p>Finally, I want to mention that Choice Home Warranty is involved in a consumer fraud lawsuit initiated by the <a href=\"https:\/\/www.azag.gov\/press-release\/ag-brnovich-files-consumer-fraud-lawsuit-against-home-warranty-company\">Arizona Attorney General.<\/a> Although this case is pending, it\u2019s not reassuring.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td>Rating Site<\/td>\n<td>Rating<\/td>\n<td>Number of Reviews<\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>B\/1.04<\/em><\/td>\n<td>4,373<\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td>3.7<\/td>\n<td>38,925<\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td>1.0<\/td>\n<td>144<\/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-45be9805 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-4902cc8e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 8.8\/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-fa475491\">\n<p>Choice Home Warranty shines for their user-friendly claims process. You can submit a claim through their online account center or over the phone 24\/7\/265. If you\u2019re concerned about claim denial, I recommend Choice for their high claim acceptance rate. Between what our team at Today\u2019s Homeowner found and the many customer reviews online praising them for their excellent claim acceptance rate, this is a provider that you don\u2019t have to worry about finicky claim denials and resubmissions with \u2014 which is something that I don\u2019t want to deal with when I\u2019m already frustrated about my broken dishwasher. On top of this, Choice has a standout 90-day workmanship guarantee for parts and 60 days for labor. This is two to three times the industry standard of 30 days and gives you far more time to notice anything amiss with your appliance after a repair. CHW also claims to handle all claims and complaints within 24 hours, which I find reassuring as a customer.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-6b33db7c gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-ed636504 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-321b590d\">\n<p>CHW provides home warranty coverage in 48 states, except California and Washington. With over 14 years of experience and a steadfast business model, they provide coverage for over two million homes in the United States.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-af7e847c gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/choice-home-warranty\/\">Read our Choice Home Warranty 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>If you\u2019re on a budget, Select Home Warranty is more affordable than most home warranty providers, with most plans costing less than $50 per month \u2014 this is $14 less per month than the average quote I received for this article and a grand total of $168 per year in savings. I also love that their service fees are cheaper at only $75 per call. Some providers, like Elite Home Warranty, may charge up to $150 for a service visit, which is double what Select charges and is certainly less affordable.\u00a0<\/p>\n<p>If your new home has older appliances or systems, Select Home Warranty doesn\u2019t exclude them from coverage. As long as the items are in good working condition when your home warranty policy takes effect and you properly clean and maintain them, they are eligible for coverage. Plus, if your home has appliances with older brands that are out of business, these are also covered, as all makes and models are included in Select coverage.\u00a0<\/p>\n<\/div>\n<div class=\"gb-container gb-container-3031a35c gb-tabs__item\">\n<p>Select has a lot of frustrating exclusions, notably their specific exclusions regarding maintenance records. It\u2019s up to their discretion, but Select can require up to three years\u2019 worth of maintenance records (even images) to prove that you\u2019ve properly maintained and cleaned your HVAC over the years before they pay out. This is extremely aggravating for a new home buyer who had no control over whether or not their HVAC or other appliances were properly maintained before they purchased the home. Now, if your home has many new appliances or systems, this won\u2019t be a problem, but otherwise, you may want to look at a provider like American Home Shield, which doesn\u2019t require maintenance records.\u00a0<\/p>\n<p>Another con is some of their specific exclusions, like any damage to the electrical system caused by rust, flood, fire, or water. You may be unaware of many of these exclusions, such as a power failure.\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\/egNqbqF5CMDzl0zP8ygxEJRmP42qWfEpoPg6oBG3DsA9R1WfGge9NPmrP3SlRVdXHoux5MGS1sHA_ofPy_TK4JN9KZeo82G6AqazBN2BZzEtOhte8mcChtIT3kgDDF2xzaf8VKNCLeP91BfRjOxkYVk\"\/><noscript><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/lh7-us.googleusercontent.com\/egNqbqF5CMDzl0zP8ygxEJRmP42qWfEpoPg6oBG3DsA9R1WfGge9NPmrP3SlRVdXHoux5MGS1sHA_ofPy_TK4JN9KZeo82G6AqazBN2BZzEtOhte8mcChtIT3kgDDF2xzaf8VKNCLeP91BfRjOxkYVk\" class=\"lazyload\" alt=\"\"\/><\/noscript><\/figure>\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>If you\u2019re feeling overwhelmed with your new mortgage and other expenses around your home, like buying new furniture or painting, Select is a budget-friendly choice. They offer some of the most affordable monthly premiums (usually less than $50 per month) and many discounts, including a discount if you sign up for a multi-year plan. You also receive free roof leak coverage (a $99 value), which is critical for protecting your new home from expensive roof repairs and resulting water damage.\u00a0<\/p>\n<p>On the negative side, Select has many exclusions, including frustrating policies around maintenance and cleaning. At any time, Select may require you to provide maintenance records and pictures for the last three years to qualify for the maximum reimbursement for an appliance or system. If you\u2019ve just bought your home, this poses a significant problem unless the previous homeowners passed on maintenance records to you. For example, if you don\u2019t periodically clean and replace your HVAC filters, Select may only reimburse you $150 in coverage, not $3,000, so these records are critical.\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\" referrerpolicy=\"strict-origin-when-cross-origin\" 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: 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-4db15aea\">\n<p>Select Home Warranty scores well in this category for their flexible plan options, including a systems-only, appliance-only, and comprehensive plan featuring both. I recommend the comprehensive plan, the Platinum Care plan, because you receive the greatest coverage and up to $3,000 <a href=\"https:\/\/todayshomeowner.com\/hvac\/reviews\/best-home-warranty-for-hvac\/\">in HVAC coverage<\/a>, which is one of the most costly repairs or replacements home buyers face. Amazingly, the Platinum Care plan only costs about $3 more monthly than the appliance or systems-only plans. So, it\u2019s my preferred choice for greater peace of mind.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td>Plan<\/td>\n<td>Monthly Cost*<\/td>\n<td>Service Fee<\/td>\n<td>Available Discounts<\/td>\n<\/tr>\n<tr>\n<td>Bronze Care<\/td>\n<td>$44.42<\/td>\n<td>$75<\/td>\n<td>$150 off (website), two extra months free (website), multi-year coverage discount (phone)<\/td>\n<\/tr>\n<tr>\n<td>Gold Care<\/td>\n<td>$44.42<\/td>\n<td>$75<\/td>\n<td>$150 off (website), two extra months free (website), multi-year coverage discount (phone)<\/td>\n<\/tr>\n<tr>\n<td>Platinum Care<\/td>\n<td>$47.75<\/td>\n<td>$75<\/td>\n<td>$150 off (website), two extra months free (website), multi-year coverage discount (phone)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>*Monthly cost figures provided include the discounted rate offered at the time of writing. Select Home Warranty has been running this promotion since the beginning of this year.<\/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 Santa Fe, NM. 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>A standout benefit of Select\u2019s plans is they all come with free roof leak coverage (valued at $99). Otherwise, their add-ons are pretty standard:\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>Stand-alone 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>Buyers should pay close attention to Select\u2019s maintenance and cleaning exclusion. Essentially, you must maintain and clean all your appliances and systems regularly, or Select can deny your claim, especially regarding your HVAC system. If you just bought the home, you may not have maintenance records that go back three years to prove they were maintained, so consider this as you compare providers.\u00a0<\/p>\n<ul>\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 (e.g., mold, asbestos, and gas leaks)\u00a0<\/li>\n<li>Common areas in condominiums or family homes<\/li>\n<li>Failure to properly maintain or clean systems or appliances<\/li>\n<li>Electrical surges<\/li>\n<li>Solar heating systems<\/li>\n<li>Foundation or structural issues<\/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, readers should 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: 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-52bce54e\">\n<p>Select Home Warranty is one of the most affordable providers on the market, and all the quotes I received cost less than $50 per month. This is fantastic as many providers, like Liberty Home Guard, have their cheapest plan starting at around $50 per month.\u00a0<\/p>\n<p>You can sign up for Select\u2019s most comprehensive plan at less than $50 per month based on the quotes I received. Plus, Select has a plethora of available discounts, including a discount if you pay for multiple years at once and ongoing sales on their website. Another fantastic value that enhances their affordability is the free roof leak coverage with all Select plans. Every other provider on this list makes you pay for a roof leak coverage add-on, so the fact that this comes with the plan is a notable benefit.\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>Select has a user-friendly website and truly instant quote calculator, which boosted my opinion of their customer experience after I dealt with providers like Elite Home Warranty, who only give quotes over the phone. This instant quote helps you shop faster and collect prices from multiple companies to weigh your options faster.\u00a0<\/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 receives mostly positive reviews from third-party websites like Trustpilot, giving it a 3.8-star rating from nearly 5,000 reviewers. They have over 12 years of experience in the industry and a B rating from the BBB. Customers praise them for budget-friendly pricing, professional customer service agents, and an easy claims process, all critical factors for continuing satisfaction with a provider. On the other hand, I don\u2019t love that negative reviews cited issues with HVAC coverage. I\u2019m guessing this is due to Select\u2019s policy about providing maintenance records for your HVAC, which can lead to claim denial or lower reimbursement rates if you can\u2019t demonstrate that you kept up with HVAC maintenance.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td>Rating Site<\/td>\n<td>Rating<\/td>\n<td>Number of Reviews<\/td>\n<\/tr>\n<tr>\n<td>BBB<\/td>\n<td>B\/1.38<\/td>\n<td>2,100<\/td>\n<\/tr>\n<tr>\n<td>Trustpilot<\/td>\n<td>3.8<\/td>\n<td>4,831<\/td>\n<\/tr>\n<tr>\n<td>Yelp<\/td>\n<td>1.0<\/td>\n<td>9<\/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>Select Home Warranty has an average claims process, with about a 48-hour wait period to hear back after submitting a non-emergency claim. This is a little slower than I\u2019d like to see, especially when knockout providers like Liberty Home Guard average a 12-hour response time, which is great for those freezing days when your heater breaks. As for the process itself, you can submit claims through the online portal or by calling customer service.\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>Home buyers in all 50 states and the District of Columbia can enroll in a plan with Select Home Warranty. This gives them a perfect score in this category for their excellent availability and demonstrative ability to service customers on a large scale.\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 has exceptional customer satisfaction, with the Better Business Bureau accrediting it and giving it a fantastic A+ rating. Other third-party review websites, like Trustpilot, give it nearly five stars \u2014 an almost perfect score, giving me a lot of faith in the company\u2019s customer service. On top of this, Elite has amazing coverage caps (the maximum a provider will pay out for an item) of up to $6,000 for appliances and up to $10,000 for home systems. This is two to three times more than most home warranty providers allot, with some providers like Select Home Warranty having only $500 in coverage for some items.\u00a0<\/p>\n<\/div>\n<div class=\"gb-container gb-container-f1aca5f0 gb-tabs__item\">\n<p>If you have old appliances, Elite may not be the best choice. Their sample policy includes an age restriction. If your item is older than 10 years, you\u2019re limited to repairs only, and there aren\u2019t any full replacements. If the appliance is broken beyond repair, you\u2019ll receive a cash payout, which could be less than the original appliance\u2019s worth.\u00a0<\/p>\n<p>Check how old your appliances are before signing on with Elite to see how this would impact your new home. Many appliances aren\u2019t built to last and often need complete replacements after three to five years, so this policy may not impact you too much, depending on your situation.<\/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>If you bought a home with many professional-grade appliances, Elite isn\u2019t the provider for you because they charge an automatic $150 service fee per visit rather than their standard $100 service fee, which is very expensive. Homes with appliances older than 10 years may also suffer since full replacements are off the table due to their age restriction policy.\u00a0<\/p>\n<p>However, I love that Elite doesn\u2019t require maintenance records like Select Home Warranty does for some home systems. This means you don\u2019t have to provide service records and photos before having a claim approved and a technician sent out to address the problem. This can be a major benefit if you\u2019re not great about staying on top of maintenance. Plus, you don\u2019t have to worry about securing these records from the previous owners (who may not even have them).\u00a0<\/p>\n<p>Elite has unique benefits for customers that I haven\u2019t seen many providers offer without an extra charge. For example, Elite will pay up to $100 per term for disposing of any covered items (which Liberty Home Guard won\u2019t cover). If you need replacements in the coming year, this $100 allowance saves you from paying for that out-of-pocket. Another example is Elite\u2019s policy around paying up to $250 for cranes or other lifting equipment if needed to replace an appliance. Again, many providers won\u2019t cover this cost, even for a covered replacement, so this is a BIG deal that helps you save money. They\u2019ll even reimburse you up to $100 for the cost of spoiled food if they don\u2019t repair your refrigerator fast enough and your food spoils. All of these benefits reassure me of Elite\u2019s dedication to customer service above all else.\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\" referrerpolicy=\"strict-origin-when-cross-origin\" 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>Elite Home Warranty has excellent plan options, with my recommendation for buyers being the Elite Complete plan, as it only costs around $10 to $15 more than Elite\u2019s other plans and covers both appliances and home systems \u2014 giving you less to worry about. I certainly don\u2019t want to move into my new home and immediately worry about not having enough money to replace a significant appliance like my fridge.\u00a0<\/p>\n<p>The following quotes don\u2019t include available discounts.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td>Plan<\/td>\n<td>Monthly Cost<\/td>\n<td>Service Fee<\/td>\n<td>Available Discounts<\/td>\n<\/tr>\n<tr>\n<td>Elite Appliance<\/td>\n<td>$44.99<\/td>\n<td>$100<\/td>\n<td>$150 sign-up, first month free, 30-day free trial (phone)<\/td>\n<\/tr>\n<tr>\n<td>Elite Systems<\/td>\n<td>$49.99<\/td>\n<td>$100<\/td>\n<td>$150 sign-up, first month free, 30-day free trial (phone)<\/td>\n<\/tr>\n<tr>\n<td>Elite Complete<\/td>\n<td>$59.99<\/td>\n<td>$100<\/td>\n<td>$150 sign-up, first month free, 30-day free trial (phone)<\/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 Santa Fe, NM. 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>Next to Liberty Home Guard, Elite Home Warranty has the biggest range of add-ons I\u2019ve seen available from a home warranty provider. I\u2019m incredibly impressed with their HVAC maintenance option, which can help you keep up with necessary maintenance and keep your HVAC running better for longer. Buyers would significantly benefit from limited roof leak protection (particularly if you don\u2019t know the exact state of your new home\u2019s roof).<\/p>\n<ul>\n<li>Attic exhaust fan: $69.99\/year<\/li>\n<li>Central vacuum: $49.00\/year<\/li>\n<li>Effluent pump: $99.99\/year<\/li>\n<li>Ejector pump: $99.99\/year<\/li>\n<li>Freestanding freezer: $59.99\/year<\/li>\n<li>Freestanding ice maker: $59.99\/year<\/li>\n<li>Freestanding spa equipment: $119.99\/year<\/li>\n<li>Generator: $99.99\/year<\/li>\n<li>Geothermal heating and cooling system: $299.99\/year<\/li>\n<li>Grinder pump: $99.99\/year<\/li>\n<li>Guest house: $299.99\/year<\/li>\n<li>HVAC annual maintenance: $299.99\/year<\/li>\n<li>Jetted\/hot tub: $99.99\/year<\/li>\n<li>Lawn sprinkler system: $99.99\/year<\/li>\n<li>Lift pump: $99.99\/year<\/li>\n<li>Limited roof leak repair: $99.99\/year<\/li>\n<li>Pool &amp; spa equipment: $199.99\/year<\/li>\n<li>Pool equipment: $149.99\/year<\/li>\n<li>Premium appliances: $249.99\/year<\/li>\n<li>Premium benefits: $199.99\/year<\/li>\n<li>Premium systems: $299.99\/year<\/li>\n<li>Premium systems Plus: $499.99\/year<\/li>\n<li>Septic system: $129.99\/year<\/li>\n<li>Service lines: $349.99\/year<\/li>\n<li>Sump pump: $99.99\/year<\/li>\n<li>Swamp cooler: $149.99\/year<\/li>\n<li>Water filtration system: $99.99\/year<\/li>\n<li>Water softener: $99.99\/year<\/li>\n<li>Well pump: $99.99\/year<\/li>\n<li>Wine cooler: $69.99\/year<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>Buyers will be happy to note that Elite\u2019s exclusions are standard. The only exception is if you have commercial-grade appliances.\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 (i.e. apartments)\u00a0<\/li>\n<li>Cosmetic damage<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, readers must 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-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>Elite\u2019s plans are competitively priced. I received quotes for a two-bedroom single-family home for between $44.99 and $59.99, which is right in the average for industry prices (about $50 per month nationwide or $64 per month for buyers based on my research in this article).\u00a0<\/p>\n<p>Elite\u2019s add-ons are priced reasonably, with most costing between $15 and $20 a month while often providing better coverage than providers like Liberty Home Guard, who charges $20+ per month for most add-ons. Where Elite falls short in their affordability is their costly service fees. Elite usually charges $100 per service visit, and any weekends, after-hours, or professional-grade appliance service visits cost $150 by default \u2014 double what Select charges for a service visit regardless of the time of day or day of the week.\u00a0<\/p>\n<p>For more information about the difference between homeowners insurance and a home warranty, watch Elite\u2019s video here: <\/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=\"Home Warranties Vs Home Insurance; Elite Home Warranty explain everything Homeowners should know.\" width=\"1170\" height=\"658\" src=\"https:\/\/www.youtube.com\/embed\/j0IknJ625aM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<p><\/noscript>\n<\/div>\n<\/figure>\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>Many customer reviews pointed out positive, informative experiences with Elite customer service agents, particularly in the sense that they weren\u2019t pushy or trying to upsell them over the phone. This echoed my experience with customer representatives and enhanced my experience with Elite, as I wasn\u2019t stressed out about agents continuing to call and push me to purchase a plan.\u00a0<\/p>\n<p>Elite offers unique benefits that enhance the customer experience beyond what I\u2019ve seen many in the industry offer. For example, Elite has a lodging coverage benefit that reimburses you up to $125 for documented lodging expenses per day for up to three days (a total of up to $375) if your home system or appliance breaks down and makes staying in your home safely impossible. Examples of this situation include if your HVAC dies in the winter or hot summer or if your furnace leaks carbon monoxide. I like this benefit and feel it demonstrates an above-and-beyond dedication to customers as people, not just another number. However, Elite does score a bit lower for their lack of follow-through. Sometimes, I would communicate with an agent, ask a follow-up question, and never hear back over the phone or text.\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>This BBB-accredited provider has a fantastic A+ rating from the Better Business Bureau and nearly perfect scores on Trustpilot and Yelp. During my extensive research into home warranty companies, I\u2019ve only seen Liberty Home Guard rival these scores, as most providers have around a three-star average. Positive reviews share that Elite\u2019s customer service is above average and that clients are typically happy with the high coverage limits. I couldn\u2019t find enough negative reviews to summarize them effectively. The only downside to Elite\u2019s company reputation is that they have only four years of industry experience, which is far less than American Home Shield, with over 50 years of experience. Now, this doesn\u2019t mean that Elite can\u2019t offer an excellent service, but experience in the industry can be reassuring, which is why it lost a point for longevity.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td>Rating Site<\/td>\n<td>Rating<\/td>\n<td>Number of Reviews<\/td>\n<\/tr>\n<tr>\n<td>BBB<\/td>\n<td>A+\/4.97<\/td>\n<td>371<\/td>\n<\/tr>\n<tr>\n<td>Trustpilot<\/td>\n<td>4.7<\/td>\n<td>70<\/td>\n<\/tr>\n<tr>\n<td>Yelp<\/td>\n<td>4.8<\/td>\n<td>4<\/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 falls short with their claims process because of their weekend visit service fee. Unfortunately, this provider automatically charges a $150 service fee for weekend or after-hour visits. This also extends to professional-grade appliances, so if you have a lot of professional-grade appliances, you\u2019ll be charged more for each visit \u2014 which I find frustrating as a homeowner, especially when I think about how upset I\u2019d already feel after having a major appliance like my clothes washer break down over the weekend.\u00a0 Otherwise, their claims process is average, with both an online portal and customer service phone number available to you for submitting claims.\u00a0<\/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 is available to all U.S. homeowners except those in California, Wisconsin, or Texas. This is excellent availability overall, giving Elite a great score in this category.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Calculate the Cost of Buyers Home Warranty<\/h2>\n<p>Plug in your monthly premium and service fee cost, then your best guess for how many service visits you\u2019ll need in one year to receive an approximate yearly cost for your home warranty plan.\u00a0<\/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<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<div id=\"hm-faq-block_4f072fb18fa5a98980679bfd2bfa6279 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 Buyers Need a Home Warranty?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">Yes, a home warranty is often a wise investment for buyers because they may have purchased a home with older appliances or premium appliances that cost more to repair and replace. If they\u2019re buying a home with all new appliances and systems covered by manufacturer\u2019s warranties, a home warranty isn\u2019t essential until the warranties expire.\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 for Buyers?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">Based on my comprehensive secret shopping and quotes I received for a home in Santa Fe, New Mexico, the average cost of a home warranty for buyers is $64 per month. However, the <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/cost\/home-warranty-cost\/\"><span style=\"font-weight: 400;\">cost of a home warranty<\/span><\/a><span style=\"font-weight: 400;\"> can vary dramatically based on your home\u2019s location and the type of plan and add-ons you select.\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 Can Buyers Save Money When Shopping for Home Warranties?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">To save money on your home warranty, opt for a higher service fee option if the provider has one available to reduce the cost of your monthly premium. Other steps I take to get a better deal include shopping online for discounts and calling the provider directly to ask about available deals or discounts. I almost always got a better deal on my home warranty when I spoke with a representative.\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                        Is a Home Warranty Worth It for Home Buyers?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">A home warranty is usually worth it for buyers because it\u2019s unlikely that all of your appliances and systems are covered under a manufacturer\u2019s warranty simultaneously. If a manufacturer\u2019s warranty doesn\u2019t cover your appliances or systems, you could end up being slammed with expensive repairs or replacements right after moving in, which could lead to high out-of-pocket costs and even debt since many of us can\u2019t afford to pay thousands of dollars in repairs out-of-pocket. <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/are-home-warranties-worth-it\/\"><span style=\"font-weight: 400;\">A home warranty is worth it<\/span><\/a><span style=\"font-weight: 400;\"> for most buyers to prevent financial strain due to sudden breakdowns. <\/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-warranty-resources-for-homeowners\">Other Warranty Resources for 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<div>\n<section class=\"bothAR bothARcolOne th-block th-author-contributor\">\n<div class=\"th-author-contributor--photo\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\" loading=\"lazy\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"data:image\/svg+xml,%3Csvg%20xmlns=\" http:=\"\" alt=\"avatar for Amy DeYoung\" class=\"lazyload\" data-lazy-src=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/07\/Untitled-design-15.png\"\/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\" loading=\"lazy\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/07\/Untitled-design-15.png\" class=\"lazyload\" alt=\"avatar for Amy DeYoung\"\/><\/noscript>\n            <\/div>\n<p>\n                Amy DeYoung has a passion for educating and motivating homeowners to improve their lives through home improvement projects and preventative measures. She is a content writer and editor specializing in pest control, moving, window, and lawn\/gardening content for Today\u2019s Homeowner. Amy utilizes her own experience within the pest control and real estate industry to educate readers. She studied business, communications, and writing at Arizona State University.            <\/p>\n<p class=\"th-author-contributor--cta\"><a href=\"https:\/\/todayshomeowner.com\/author\/amyd\/\"><span>Learn More<\/span><\/a><\/p>\n<\/section>\n<section class=\"bothAR th-block th-author-contributor\">\n<div class=\"th-author-contributor--photo\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\" loading=\"lazy\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"data:image\/svg+xml,%3Csvg%20xmlns=\" http:=\"\" alt=\"photo of Lori Zaino\" class=\"lazyload\" data-lazy-src=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/11\/lori-zaino-headshot.png\"\/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\" loading=\"lazy\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/11\/lori-zaino-headshot.png\" class=\"lazyload\" alt=\"photo of Lori Zaino\"\/><\/noscript>\n                <\/div>\n<p>\n                    Lori Zaino is a freelance writer and editor based in Madrid, Spain. With nearly two decades of editorial experience, she\u2019s written and edited for publications like Forbes, CNN, Insider, NBC, Newsweek, The Points Guy, The Infatuation, and many others. Having just completed her first home renovation, she\u2019s more interested in home improvements than ever, dedicated to bringing you fresh and accurate content to help you update your living spaces.                <\/p>\n<p class=\"th-author-contributor--cta\"><a href=\"https:\/\/todayshomeowner.com\/author\/lorizaino\/\"><span>Learn More<\/span><\/a><\/p>\n<\/section><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Buying a home is one of the biggest experiences of our lives. Whether you\u2019ve bought homes before or this is your first, there is one thing that all homeowners can relate to: the bad luck of appliances or home systems seemingly breaking down as soon as we move in. Nothing is more frustrating, especially after [&hellip;]<\/p>\n","protected":false},"author":254,"featured_media":10637,"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-10636","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 for Buyers | Unlock Informed Choices with Us<\/title>\n<meta name=\"description\" content=\"The best home warranty for buyers doesn\u2019t exclude old appliances or unknown preexisting conditions or require maintenance records. 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