Best 7 Home Warranty Companies in Poinciana, FL
- Fact Checked
- Updated 2024-06-22 00:00:00
When temperatures rise and humidity increases, the last thing you want is for your air conditioning to fail. This system is an essential part of your home in Florida. When it breaks down, it can cost you thousands of dollars to fix. Luckily, a home warranty can help you save money when your appliances and systems break. Read on to discover our list of the top home warranty providers in Poinciana, 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 Poinciana
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 Poinciana
- Average Max Temperature:82°F
- Average Min Temperature:64°F
- Average Annual Snowfall:0.0”
- Homeownership Rate:65.5%
- Median Home Size:1,832 sqft
- Median Home Price:$314,301
Are Home Warranties Worth It for Poinciana Residents?
Yes, home warranties are worth it for Poinciana residents. Poinciana experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioner may malfunction over time from heavy use.
Poinciana 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 nationwide.
Poinciana's heavy rain can damage your roof. Some home warranty providers offer limited roof-leak protection, which can ease the financial burden of roof repair.
Finally, 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. If you're focused on work or other priorities, your home warranty company can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when picking the right home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of between $65–$125 each time you file a claim. Basic home warranty plans typically cost less than comprehensive 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
Many home warranty companies offer systems-only plans or plans for select appliances. Determine which appliances and systems you use most often before choosing a plan. If you only need to cover certain major systems (like air conditioning) or specific appliances, you can find a plan that meets your needs. Here 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
Typically, home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, defects, theft, or routine maintenance are also not covered. Providers outline limitations and exclusions in their service contracts. Make sure you read yours carefully to fully understand the terms and conditions of your plan.
Provider Reputation
Consider a provider's reputation before choosing a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Google Reviews, Best Company, and Trustpilot. Reading these reviews gives you an idea of how companies handle customer service and claims. Check with the Florida Division of Consumer Services to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's service provider network. Providers should always use licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. We recommend picking a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider a home warranty policy that lets them choose their technician. You may not have any in-network service providers in your area, so you want the option to source your own.
Frequently Asked Questions about Home Warranty in Poinciana
No, Poinciana does not require home warranties. However, we still recommend purchasing a home warranty to 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 a home appliance or system experienced before your coverage began. Most providers won't cover preexisting conditions. You should purchase a home warranty policy while all your systems and appliances still work for full protection.
The best home warranty in Poinciana depends on your specific needs. Liberty Home Guard is a solid choice if you require unique coverage. Consider American Home Shield for comprehensive coverage limits.
Yes, home warranties cover many kinds of home items besides common appliances and systems. For example, some warranties cover pools and spas, sump pumps, stand-alone freezers, septic systems, well pumps, and more. Providers usually cover these items as add-ons. Check with your provider to see what add-ons are available.
Most home warranty providers have a waiting period of 30 days before coverage begins. This is to ensure any system and appliance breakdowns are caused by normal wear and tear rather than preexisting conditions. Home warranty providers won't cover an already broken item.
The normal process for resolving claims is easy. When an appliance or system breaks down, check your home warranty contract to ensure the item is covered. You can then contact the provider to submit a claim. You can call or use the provider's online portal. You pay the service fee, and your provider sends a contractor to your home to identify and repair the issue.
Poinciana homeowners can ensure home warranty coverage by keeping up with maintenance on their systems and appliances. You may also find it useful to track how old they are. Because home warranties only cover normal wear and tear, you'll likely find more value with a home warranty for older appliances.
More Home Warranty Resources
Sources
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