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The best home warranty for your budget
- APHW’s base coverage protects appliances and systems all around your home
- Our home warranties are designed for a wide range of property types
- Get the coverage you need to keep your home running smoothly without the stress of expensive repairs
Vehicle Service Contracts
Insurance covers collisions, but what about everything else?
- We cover car repairs so that when mechanical breakdowns happen - you are worry free
- Your coverage includes parts, labor, towing, rental car, roadside assistance and more
- We have you covered. Get your instant quote now!
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From breaks to bugs, we have all your devices covered.
- 730+ tech repair stores nationwide. Most repairs done in 45 minutes or less
- Protection plans you can trust
- iPhone screen repairs starting at $79
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Save $300 on ARW Home Warranties!
- Our Best Service Plan at the Best Price!
- You're covered in the event of major system and appliance failures for a fraction of the average repair cost
- Receive Guaranteed Coverage & Protection
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Our Methodology: Finding the Best Home Warranty in the Country
Research. Research. More research. It’s really that simple. Our dedicated team of online experts scour the internet every single day to find the best options available for our audience. We want to help save you money, and we want the process of saving to be easy for you to complete. The recommendations we provide are selected based on the following criteria; reliable service, ease of application, and trusted source. FinSpot wants you to be able to select the best option for you, and then move on with your life to focus on the things that matter, like family, friends, and a healthy life. Take a look at the following list and do your own research as well. We’re confident you’ll be satisfied with our selections.
FinSpot Favorite Providers In the US
The best home warranty for your budget
- APHW’s base coverage protects appliances and systems all around your home
- Our home warranties are designed for a wide range of property types
- Get the coverage you need to keep your home running smoothly without the stress of expensive repairs
When home systems and appliances break down, America’s Preferred Home Warranty can help with the repair costs.
A home warranty helps cover repair or replacement costs on your home’s systems and appliances when they break down due to normal wear and tear. A home warranty is different from homeowners insurance, which only provides coverage for theft, fire, and weather-related damage. Working together, they give your home more financial protection.
Our home warranties help cover the repair costs of unexpected breakdowns that could break your budget:
- $376* - Average Central Air Conditioning Repair
- $307* - Average Heating System Repair
- $230* - Average Built-In Dishwasher Repair
- $250* - Average Kitchen Appliance Repair
- $220* - Average Plumbing System Repair
*Source: HomeAdvisor
Why we chose APHW: Your home. Your choice. When you have an America’s Preferred Home Warranty, you can choose any licensed contractor for repairs. This allows for faster service (work with a licensed contractor you know or trust that arrives on your schedule), faster claims (get immediate coverage decisions by phone once the problem is diagnosed), and faster payments (choose the flexible payment option that works best for you and your contractor).
Insurance covers collisions, but what about everything else?
- We cover car repairs so that when mechanical breakdowns happen - you are worry free
- Your coverage includes parts, labor, towing, rental car, roadside assistance and more
- We have you covered. Get your instant quote now!
Some warranties can feel like a rip off. We're in the business of paying claims.
Our pricing model is revolutionizing the industry, with plans starting as low as $25 a month and coverage that matches the most comprehensive products on the market, giving you the “Ultimate Peace of Mind” protection.
Best-in-Class Claims: Universal Underwriters Service Corporation (UUSC), is an individual member company of Zurich in North America and together they possess more than 100 years of industry experience. In 2022, they paid out more than $158M+ in mechanical breakdown claims.
We know how to disrupt large, antiquated industries. We are taking our learnings as senior leaders in FinTech companies like Kin Insurance, AutoFi, LearnVest, Kiavi, and LendingClub and applying them to make vehicle ownership more affordable for everyone. The space is long overdue for a product that puts the consumer first.
Why we chose CarmaCare: CarmaCare can save customers an average of $588 a year on vehicle service contracts when compared to the cost of similar plans offered by other providers. Fun Fact: According to getjerry.com, the average American spent $1,986 on car repairs in 2019, which equates to around $195 billion total for the entire country. That is about $165 a month on car repairs! Your contract is designed to be used at any certified repair facility in the nation. Always make sure to let the repair facility know you have a vehicle service contract with CarmaCare prior to authorizing any repairs. The mechanic or service team at the repair shop will contact their provider directly to cover repairs.
From breaks to bugs, we have all your devices covered.
- 730+ tech repair stores nationwide. Most repairs done in 45 minutes or less
- Protection plans you can trust
- iPhone screen repairs starting at $79
From quick support when your laptop glitches to reliable repairs when your dryer dies, we turn your breakdowns to “all better” in no time.
Our experts can fix your tech fast. Just visit a store, make an appointment, or let us come to you. And our appliance repairs are just as simple. In select cities, we can have your device working after one visit to your home.
- Thousands of local repair experts ready to help
- 730+ tech repair stores nationwide
- Most repairs done in 45 minutes or less
Looking for more than just a repair? Get coverage for nearly all the devices and major appliances in your home when you sign up for one of our protection plans. Phones, smart TVs, refrigerators, and more—if it connects, we’ll protect it. All for an affordable price.
Why we chose Asurion: They believe technology should work for everyone. As a tech care company, they meet every question with an answer, every problem with a solution, and every stressful moment with an Asurion Expert who cares about making it right. And sometimes ... that expert will tune your ukulele and play a few chords. True story.
Save $300 on ARW Home Warranties!
- Our Best Service Plan at the Best Price!
- You're covered in the event of major system and appliance failures for a fraction of the average repair cost
- Receive Guaranteed Coverage & Protection
Being a homeowner may already be expensive and unpredicted breakdowns can be very costly. ARW Home, also known as American Residential Warranty, protects what your home insurance does not.
With a home warranty plan, you are covered in the event of major system and appliance failures for a fraction of the average repair cost. Protect your home and budget from the unexpected while enjoying the convenience and peace-of-mind of using our trustworthy network of pre-screened technicians. We have served hundreds of thousands of customers with our top-rated customer service.
Home Warranty vs Homeowners Insurance
We cover appliances and systems you can't live without and are most likely to break down, costing you an arm and a leg to repair at the most unexpected times.
Find the Home Warranty Plan That Best Fits Your Needs & Budget
Why we chose ARW: Depending on your chosen plan, you can protect your major home systems, such as air conditioning, heating, and plumbing. You may also protect your major appliances, such as your refrigerator, stove, oven, washer, dryer, and water heater. Depending on your home, you can add optional coverages for your spa, pool, and water and sewer lines.
Shield Your Wallet. Shield Your Home.
- With three plans, finding affordable coverage for your home is a cinch.
- Sign up today for $150 OFF, plus Roof Coverage ($99 Value).
- Avoid Unexpected Repair Costs.
Choose Select Home Warranty and have our professionals guide you through the process of choosing the perfect home warranty coverage for your house.
You never know when your heating system, plumbing, major appliances, or garage door will break down. Fortunately, SHW provides peace of mind, taking the hassle and expense out of home system and appliance repair.
What’s a home warranty?
Not to be confused with homeowners insurance, home warranty plans cover breakdowns and malfunctions of home systems and appliances due to normal wear and tear. If you have an issue with any covered systems or appliances, you can relax knowing Select Home Warranty has your back.
Why we chose Select: You have plenty of options when it comes to home warranty coverage, but we believe the best plans don’t have to come at a premium. Select has mastered the art of providing their customers with awesome service and a rate anyone can afford.
Understanding Home Warranties in the US
Owning a home is a significant investment, and with it comes the responsibility of maintenance and repairs. Homeowners often find themselves facing unexpected expenses when appliances or systems break down. This is where a home warranty can be a valuable asset. In the following section we'll explore everything you need to know about home warranties in the United States, from what they are and how they work, to their benefits and limitations.
Section 1: Understanding Home Warranties
What is a Home Warranty? A home warranty is a service contract designed to cover the repair or replacement costs of major home systems and appliances. It provides homeowners with peace of mind by mitigating the financial burden of unexpected breakdowns.
How Does a Home Warranty Differ from Homeowners Insurance? It's crucial to distinguish between a home warranty and homeowners insurance. While homeowners insurance covers damages caused by perils like fire, theft, or natural disasters, a home warranty focuses on the repair or replacement of covered appliances and systems due to normal wear and tear.
Section 2: Coverage
What Do Home Warranties Typically Cover? Home warranties typically cover essential home systems and appliances such as HVAC (heating, ventilation, and air conditioning), electrical systems, plumbing, kitchen appliances, and more. However, coverage can vary between providers, so it's essential to carefully review the terms of the warranty.
What Items Are Often Excluded from Coverage? Certain items are commonly excluded from home warranty coverage, such as pre-existing conditions, cosmetic issues, and components not explicitly mentioned in the contract. Additionally, coverage for specific high-end appliances or systems may require additional fees.
Section 3: How Home Warranties Work
Purchasing a Home Warranty
Homeowners can purchase a home warranty at any time, but it's often obtained either when buying a new home or when an existing warranty is about to expire. It's crucial to choose a reputable provider and thoroughly review the coverage options.
Coverage Period and Renewal
Home warranties typically have a one-year coverage period, but renewable options are available. Renewal may involve an increase in premiums, and homeowners should carefully assess whether continuing coverage is in their best interest.
Section 4: Benefits of Home Warranties
Financial Protection
One of the primary benefits of a home warranty is financial protection. Rather than facing high repair or replacement costs out of pocket, homeowners pay a relatively low annual premium and a service fee per claim, making budgeting for unexpected expenses more manageable.
Peace of Mind
Home warranties provide peace of mind by ensuring that essential home systems and appliances are covered. This can be particularly valuable for first-time homeowners or those with older homes where the risk of breakdowns is higher.
Convenience
Home warranty providers typically have a network of pre-screened service technicians. When a covered item malfunctions, homeowners can contact the warranty company, which will arrange for a service technician to assess and repair the issue.
Section 5: Limitations and Considerations
Coverage Limits
Home warranties often have coverage limits, meaning there is a maximum amount the warranty will pay for repairs or replacements. Homeowners should be aware of these limits and understand how they may impact their out-of-pocket expenses.
Pre-Existing Conditions
Most home warranties do not cover pre-existing conditions, emphasizing the importance of thoroughly inspecting a property before purchasing a warranty. Issues discovered after the coverage period begins may not be eligible for repair or replacement.
Service Call Fees
Homeowners are usually responsible for a service call fee, which is paid directly to the service technician upon their visit. These fees can vary, so it's essential to factor them into the overall cost of the home warranty.
Section 6: Selecting a Home Warranty Provider
- Step 1: Reputation and Reviews - When choosing a home warranty provider, it's crucial to research and consider their reputation. Reading reviews from other homeowners can provide valuable insights into the company's customer service, claim resolution, and overall satisfaction.
- Step 2: Coverage Options - Different providers offer various coverage options, ranging from basic plans covering essential systems to comprehensive plans including appliances. Homeowners should carefully evaluate their needs and choose a plan that aligns with their priorities and budget.
- Step 3: Contract Terms and Conditions - Before signing a home warranty contract, it's essential to read and understand the terms and conditions. Pay attention to coverage details, exclusions, and any additional fees. If there are unclear terms, seek clarification from the provider.
Section 7: Making a Claim
Reporting a Problem: When a covered item malfunctions, homeowners should promptly contact their home warranty provider to initiate the claims process. Some providers offer online portals or mobile apps for convenient reporting.
Service Technicians: The warranty company will typically assign a service technician to assess and repair the issue. It's important to communicate effectively with the technician, providing details about the problem and any relevant information about the covered item.
Approval and Resolution: After the technician assesses the issue, the home warranty provider will determine whether the repair or replacement is covered. If approved, the provider will coordinate and cover the costs, and the homeowner is responsible for the service call fee.
In conclusion, a home warranty can be a valuable tool for homeowners looking to protect their investment and manage the costs of unexpected repairs. Understanding the coverage, limitations, and how the claims process works is crucial for making an informed decision. As with any financial commitment, it's essential to research and choose a reputable provider that aligns with your specific needs. By doing so, you can enjoy the peace of mind that comes with knowing your home is covered in the event of unexpected breakdowns.