Your home appliances are the ultimate silent companions of your everyday existence.
From preserving your food to washing your clothes for you, they remain busy working hard to ensure we are comfortable.
But, what if these crucial home appliances malfunction at some point? When repair or replacement is needed, you can easily find yourself staring at a large bill and unnecessary headache.
This is where home appliance insurance comes in. Also referred to as a home warranty, this kind of insurance makes sure you are financially prepared in case your appliances break down because of typical use.
Home appliance providers are many with different plan offers; therefore, getting the right insurance cover can be quite challenging.
That is why we have provided a list of 10 Best Home Appliance Insurance that might be of great use to make the right decision.
The Importance of Appliance Insurance
If you ever dared to turn the idea of insurance into a joke and said, “I’ll insure the home appliances”, you should know it is not about the money only, it is about the confidence.
Sometimes your machine may develop some faults, and this will be a big problem to your normal rhythm and will also affect your financial situation.
A home warranty protects you against repairs and replacements, which means your home appliances work fine with little to no issue.
From leading a simple life at home as a homeowner or a renter, or as a landlord, having a home appliance insurance plan as protection is often useful in the long run and cost-effective.
Many providers are available in the market today, and this guide proposes to look at the best providers and their features, the advantages that they offer to the clients, and why they are the best.
Whether it’s pertaining to comprehensive coverage or exceptional customer satisfaction, these are the best companies protecting your home appliances.
Top 10 Home Appliance Insurance Companies
Have you ever felt that slight discomfort that comes with a malfunctioning refrigerator or a washing machine on wash day?
You’re not alone. Household appliances are known to develop faults at most inconvenient times and the cost of repairing or replacing them are burdens to any household budget.
This is where the home appliance insurance comes in – it provides coverage, as well as comfort when life necessities let you down.
When there are countless providers out there, how do you select the best service provider that will suit your needs?
In the following section, you will find the list of the best home appliance insurance companies, a brief overview of their respective offerings and key reasons they are on the top list.
1. Liberty Home Guard
In terms of versatility and Reliability of services, Liberty Home guard has received high commendation for its coverage and excellent customer relations.
This company provides various flexible plans to suit your needs depending on whether it is your appliances, systems or both.
Key Features
Widespread protection from most appliance types, including washing machines, clothes dryers, household fridges, and home ovens.
Extensive features as components to the pool equipment, septic systems, pest controls and targeting many more.
They include round the clock customer support and an easy claims process.
Why Choose Liberty Home Guard
Oh yes, Liberty Home Guard has been accredited by the Better Business Bureau (BBB) and boasts an A+ rating – you can bet your last dollar that the company is reliable and very much aware of its obligations to its clients.
They offer pocket friendly prices and secondly, they have various packages, which is very convenient for homeowners.
2. American Home Shield
Based in Texas, American Home Shield is probably one of the most experienced home warranty companies, with over 50 years on the market.
This one offers flexible plans and it allows you to pick the type of coverage that will be best for your home and bank.
Key Features
Comprehensive coverage of appliances, and home systems.
For the policy to begin, it does not need a home inspection.
Free to select your service fee amount.
Why American Home Shield
Other than offering a variety of services, they have many contractors, and their responses are very fast.
Moreover, the “ShieldPlatinum” is among one of the best plans for the consumer as it offers some of the broad coverage possible.
3. Old Republic Home Protection
Old Republic Home Protection specializes in direct homeowners’ Insurance, offering affordable and clear solutions. They avail competition scope of services to cater for every need and financial strength of the clients.
Key Features
Affordable services with no additional charges.
Pre-existing conditions can be also covered if the policyholder has been regularly paying for the treatment.
Strong contractor base to ensure good repair jobs.
Why Old Republic Home Protection
Their approach to the coverage of home warranty companies without frills are what most people are interested in, so also their truthfulness and value.
4. Home Warranty, Inc.
Most of the services provided by Home Warranty, Inc. are relatively inexpensive, and the company prioritizes Customer Satisfaction for Appliance coverage. They have simple plans with numerous additional features which can be included.
Key Features
Affordable monthly premiums.
Possible reductions depending on the level of decided term, i.e. using annual rates with various amounts of years.
Flexible coverage options.
Home Warranty, Inc. is ideal for homeowners looking for an affordable service provider who guarantees excellent services.
5. Cinch Home Services
Cinch Home Services previously known as Cross Country Home Services is highly effective with features such as workmanship warranty extended for 180 days.
Key Features
Protection for Home Appliances and Systems.
Quick claims process which includes online tracking.
Water sensor free with some of their packages.
What Makes Cinch Home Services Different
A wide range of workmanship guarantee offered by their repair service means they will only do the job right the first time, which brings added assurance.
6. AFC Home Warranty
AFC Home Warranty has relatively affordable and fully customizable plans for their customers, and they have great customer service. They enable homeowners to select the contractors of their choice, and this is a unique aspect given most construction companies.
Key Features
Flexible basic policy with options and features included with the package.
The ability to choose the repair technician on your own.
Portable strategies for homeowners intending to sell their house.
Why Choose AFC Home Warranty
If you need great flexibility and an individual approach, AFC is the company to collaborate with. Their policies are also portable, which means gaining value if you intend to sell the house.
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7. First American Home Warranty Corp
First American Home Warranty Corp has some of the cheapest plans when it comes in the market but, at the same time, thus, the company produces quality work.
Key Features
Several plans where the monthly premiums are fairly priced and accompanied by virtually no service fees.
Covered appliances may be at any age. A network of skilled and qualified service providers.
Why First American Home Warranty Corp
Because of their emphasis on low premiums, including partial payment options, this provider will be suitable for incoming homeowners as well as those with a tight budget.
8. Choice Home Warranty
Choice Home Warranty is the best choice as it is relatively cheaper than other home warranty companies and offers some of the simplest plans in the market. They have an interest in offering coverage for appliances as well as home systems without prior home inspection.
Key Features
- Flat-rate service fees.
- Buying a new home No need for home inspection before starting.
- 24/7 claims service.
Why Choice Home Warranty
They are thus appealing to homeowners because they are inexpensive, and are very easy to deal with.
9. Select Home Warranty
Select Home Warranty has excellent coverage benefits offered at a relatively low price. They also often provide cuts for new deals and this makes their plans to be that much more enticing.
Key Features
–Unlimited free treatment of roof leaks in many of these policies’.
Premium rebates for multiple years.
– The cost of employing this service is much cheaper than what competitors are charging for a similar service.
Select Home Warranty’s Plan Anatomy
Free gifts, especially their attractive promotion and other added bonuses such as roof leak are very beneficial to homeowners.
10. 2-10 Home Buyers Warranty
As it was mentioned 2-10 Home Buyers Warranty company is famous for its programs for new construction homes but they provide great services for existing houses as well.
Key Features
A special coverage was provided to newly constructed homes only.
Full appliance and system solutions.
Additional resale value in warranties that are transferable.
Why 2-10 Home Buyers Warranty
If you are just planning to buy a new home or if you recently had some appliances installed in your house, this provider is highly recommended.
What Matters When Selecting Home Appliance Insurance
When choosing a home appliance insurance provider company it is recommended that one be able to consider some critical factors with regard to its relevance to his or her needs as well as the financially capable he or she is at the time of choosing the insurance provider company. Here are some factors to consider:
Coverage Options: Make sure the plan incorporates the appliances and systems which are most valuable to you.
Pricing: In this case, it is recommended to focus on the best plans that have a perfectly reasonable price and include all the necessary features.
Service Fees: Search the fee of service call when it comes to repair or replacement of the equipment.
Customer Reviews: One can thus read reviews in order to feel how satisfied customers are and how long it takes for the company to respond.
Add-On Options: Optional coverages that are offered include such things as pools, septic systems, and roof leaks.
Conclusion
Purchasing home appliance insurance may well be one of the best decisions a homeowner can make to prevent being caught with the repair bills that can cripple a household. The companies listed below provide various flexible plans and beat insurance plans according to consumers’ budget and requirements.
It’s possible to choose insurance to be as cheap as possible, include as many services as possible, or choose insurance with a lot of freedom in choosing service providers. From simple customer service at Liberty Home Guard to specialized coverage provided by 2-10 Home Buyers Warranty, these are the finest ones.
Think twice before choosing a plan, and then take a plan that you think is good for your household. Depending on the insurance company you opt for, you can be rest assured all your home appliances are well catered for with an insurance policy.