<p>Most likely, your house is one of the biggest investments you’ve ever made, therefore, it deserves the best protection. If a home system or appliance happens to break, a home warranty can cover these things and protect against expensive repair and replacement costs.<br />
In this guide, we go over the best home warranty companies to help consumers find out if a home warranty is worth it, as well as how to get a plan for the best price. If you want to compare home protection plans, browse <a href="https://tophomewarrantyservices.com/reviews/" target="_blank" rel="noopener noreferrer">home warranty reviews</a>, and choose the right coverage for you and your house, keep on reading.</p>
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<p><img loading="lazy" class="aligncenter size-full wp-image-9642" src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-Best-Home-Warranty-2021.jpg" alt="Img-for-post-Best-Home-Warranty-2021" width="605" height="415" srcset="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-Best-Home-Warranty-2021.jpg 605w, https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-Best-Home-Warranty-2021-768x526.jpg 768w" sizes="(max-width: 605px) 100vw, 605px" /></p>
<h3></h3>
<h3>1. Best Overall: Choice Home Warranty</h3>
<p><a href="https://tophomewarrantyservices.com/choice-home-warranty-review/" target="_blank" rel="noopener noreferrer">Choice Home Warranty</a> has 2 plans available as well as optional add-ons:</p>
<ul>
<li>It offers after-hours customer service, and has a 90-day repair guarantee.</li>
<li>It only costs $29-$42 a month.</li>
</ul>
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<h3>2. Best Appliance Coverage: American Home Shield</h3>
<p>It offers 4 plan options with optional add-ons:</p>
<ul>
<li>There is an option to build your own plan.</li>
<li>BBB accredited.</li>
<li>There are generous coverage caps.</li>
<li>It only costs $20-$65 a month.</li>
</ul>
<h3>3. Best Value: Select Home Warranty</h3>
<p>There are 4 plans available with optional add-ons in <a href="https://tophomewarrantyservices.com/select-home-warranty-review/" target="_blank" rel="noopener noreferrer">Select Home Warranty:</a></p>
<ul>
<li>There is free roof leak coverage.</li>
<li>There is an optional septic system coverage.</li>
<li>They have responsive customer service.</li>
<li>It only costs $36-$42 per month.</li>
</ul>
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<h3>4. Best Claim Acceptance: First American</h3>
<p>There are 4 plan options with optional add-ons:</p>
<ul>
<li>It covers improperly installed or maintained items.</li>
<li>There is no cap on coverage for HVAC.</li>
<li>It is recommended by and for real estate agents.</li>
<li>It costs only $28-$50 a month.</li>
</ul>
<h3>Buyers Guide:</h3>
<p><strong>Home Warranty Costs</strong></p>
<p>Home warranties cover home systems and appliances for the most part. The following has to be true in order for your claim to be approved:<br />
The item has to be explicitly written into your contract and covered under your particular plan.<br />
The item broke due to normal wear and tear.<br />
Routine maintenance has been done on the item before it broke.<br />
By the requirements listed above, your home warranty insurance most likely won’t cover a repair if your garbage disposal isn’t working due to it being jammed with foreign objects like bottle caps or paper clips.<br />
Home warranty coverage can vary by provider as well as plan. Just make sure you fully understand the coverage and exclusions outlined in your sample contract before signing.<br />
It could be helpful for you to keep copies of your home inspection or maintenance receipts on hand. While a home inspection isn’t a requirement to get a home warranty, it could support your claim if the age or status of your appliances and systems are being questioned.</p>
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<p><strong>Home Warranty Coverage Caps</strong></p>
<p>For the most part, home warranty providers set spending limits on each covered appliance and system.<br />
For instance, your plan might set a maximum spending limit of $1,500 on your heating system. Under this warranty, the provider would only cover the repair or replacement cost of an HVAC system up to $1,500. You would have to pay the rest of the bill.<br />
Fortunately, your home warranty still saves you money, sometimes even thousands of dollars, even if it isn’t the full cost of repair or replacement.</p>
<p><strong>Types Of Home Warranty Plans</strong></p>
<p>Most home warranty providers offer three levels of coverage. Some split their plans by the number of items they have covered, while others divider coverage by the type of item.<br />
It’s also important to shop around and choose the best plan that covers the most items that you yourself have in your home.</p>


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