Best 7 Home Warranty Companies in Palm Harbor, FL
- Fact Checked
- Updated 2024-06-22 00:00:00
When temperatures climb and humidity rises, the last thing you want is for your air conditioning to fail. This system is an essential part of your home in Florida, but when it breaks down, it can cost thousands of dollars to repair. Luckily, a home warranty can help you save money when your systems and appliances break. Read on to find our list of the top home warranty companies in Palm Harbor, Florida.
Ratings are based on our detailed proprietary methodology and review standards.
- Holds high ratings among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Offers an extensive list of 30+ add-on coverages
- Provides an easy claims process
Ratings are based on our detailed proprietary methodology and review standards.
- Offers generous coverage caps
- Allows customers to build their own plans
- Provides the option to choose the service fee you want to pay
- Features broad coverage on up to 33 appliances and systems
Ratings are based on our detailed proprietary methodology and review standards.
- Provides low service fees compared to other home warranty providers
- Includes two extra months of coverage in annual signup
- Has an appliance-only, systems-only, and combo plan option
7 Best Home Warranty Companies in Palm Harbor
Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.
American Home Shield
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers generous coverage caps
- Allows customers to build their own plans
- Provides the option to choose the service fee you want to pay
- Features broad coverage on up to 33 appliances and systems
Cons
- Doesn’t let customers choose their own technician
- Offers limited add-on options
52 Years in Business
BBB Rating:B
Liberty Home Guard
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Holds high ratings among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Offers an extensive list of 30+ add-on coverages
- Provides an easy claims process
Cons
- Lacks transparency on service call fee pricing
- Excludes coverage for known or unknown pre-existing conditions
6 Years in Business
BBB Rating:A+
Select Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Provides low service fees compared to other home warranty providers
- Includes two extra months of coverage in annual signup
- Has an appliance-only, systems-only, and combo plan option
Cons
- Has a $75 cancellation fee
- Low coverage caps
11 Years in Business
BBB Rating:B-
AFC Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Provides an unlimited workmanship guarantee
- Offers generous appliance coverage limits
- Allows you to choose your own contractor
Cons
- Limits coverage limits for older items based on depreciated value
- Requires you to file a claim immediately after discovering an issue
14 Years in Business
BBB Rating:B
First American Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Allows you to choose your service call fee
- Doesn’t have a coverage cap on heating, cooling, or ductwork
- Accepts 24/7 service calls
- Offers replacement of some covered items that are too damaged to repair
Cons
- Doesn’t let customers choose their own contractor
- Charges higher for coverage compared to other providers
39 Years in Business
BBB Rating:B
Cinch Home Services
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers home insurance deductible of $500
- Extends a long 180-day workmanship guarantee
- Provides generous $10,000 aggregate coverage limit
Cons
- Charges high service fees of $75-$150
- Doesn’t allow customers to choose their own technician
- Isn’t available in Hawaii or Alaska
45 Years in Business
BBB Rating:B
2-10 Home Buyers Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers a $25,000 annual coverage cap
- Pairs plans with a plan-length workmanship guarantee
- Offers unique perks such as color matching appliance replacements
Cons
- Charges a monthly processing fee if you choose monthly premiums
- Excludes washer and dryer coverage from most plans
39 Years in Business
BBB Rating:A-
BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.
Facts about Palm Harbor
- Average Max Temperature:77°F
- Average Min Temperature:71°F
- Average Annual Snowfall:0.0”
- Homeownership Rate:67%
- Median Home Size:1,393 sqft
- Median Home Price:$436,770
Are Home Warranties Worth It for Palm Harbor Residents?
Yes, home warranties are valuable for Palm Harbor residents. Palm Harbor summers are very hot, which makes it extremely important that your air conditioner works well. However, over time this system can malfunction from heavy use.
Palm Harbor winters are fairly mild, but you still want a reliable heating system. Replacing your HVAC system can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation.
Palm Harbor's heavy rain can damage your roof. Some home warranty policies include limited roof-leak protection, which can ease the financial burden of roof repair.
Lastly, your home warranty will connect you with service providers you can trust. Investing in a reputable home warranty company is worth it because companies vet their technicians. When life keeps you busy, your home warranty provider can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you select the right home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and discovered that the average home warranty costs between $53–$62 per month. There are also service call fees that apply whenever you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranty plans typically cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options raise the monthly cost, so consider your specific needs before purchasing a plan.
Coverage
Most home warranty companies can tailor a plan to your needs. Make a list of the systems and appliances that you use often and want covered. If you only want coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Most home warranties cover only normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude appliance components or cosmetic issues, defects, theft, or routine maintenance. Providers outline exclusions and limitations within their service contracts. Make sure you read yours carefully to fully understand the terms and conditions of your plan.
Provider Reputation
Provider reputation is another key factor to consider. You can find real customer reviews on sites like Trustpilot, Best Company, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can give you insight into how a company handles customer service and claims. Check with the Florida Division of Consumer Services to verify that a provider holds a license with the state.
Contractor Network
Consider a home warranty company's network of service providers. Your company should always send licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. We recommend picking a provider that mentions the names of familiar service contractors. Residents of rural areas should consider going with a home warranty provider that customers choose their technician. Rural areas may not have any in-network service providers available, so customers may need to source their own.
Frequently Asked Questions about Home Warranty in Palm Harbor
No, Palm Harbor does not require home warranties. However, home warranties are beneficial because they help you maintain a budget for covering expensive system and appliance breakdowns. Home warranty providers also help you save time by sourcing reputable technicians themselves.
A preexisting condition is a breakdown or issue experienced by a home system or appliance before warranty coverage starts. Providers generally won't cover preexisting conditions. Make sure you purchase a home warranty policy while all your appliances and systems are still in working order to ensure full protection.
Palm Harbor's best home warranty provider depends on your specific needs. Liberty Home Guard is a good choice if you need unique coverage. Consider American Home Shield if you're looking for comprehensive coverage limits.
Yes, you can find a home warranty that covers household items besides common systems and appliances. For instance, some policies might cover well pumps, stand-alone freezers, pools and spas, septic systems, or sump pumps. These are normally considered add-ons. Check with a company representative to determine what add-ons are available.
Most home warranty companies have a waiting period of 30 days before coverage begins. This is to make sure any appliance and system breakdowns are the result of normal wear and tear rather than a preexisting condition. Home warranty providers won't cover an already broken item.
Homeowners insurance protects against the cost of repairs following events such as due to natural disasters and accidents. In contrast, home warranties cover repairs and replacements of systems and appliances that break down due to normal wear.
Filing a claim with your home warranty provider is usually simple. When one of your appliances or systems has an issue, reach out to your provider and provide information about the problem. You can typically do so on the phone or online. From there, your provider will arrange for a qualified contractor to come to your home, and you'll pay the service fee. The contractor will then identify and repair the issue.
More Home Warranty Resources
Sources
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