Best 7 Home Warranty Companies in Winter Haven, 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 essential system is critical in Florida, and when it breaks down, it can cost thousands of dollars to get it fixed. Luckily, a home warranty can save you money when your systems and appliances break. Read on to discover our list of the best home warranty providers in Winter Haven, Florida.
7 Best Home Warranty Companies in Winter Haven
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 Logo](https://whoapro.io/cdn-cgi/image/width=384,quality=75,format=avif/https://thisoldhouse.jppadmin.com/wp-content/uploads/sites/10/2022/05/American-Home-Shield-Logo-2022.png)
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 Logo](https://whoapro.io/cdn-cgi/image/width=384,quality=75,format=avif/https://thisoldhouse.jppadmin.com/wp-content/uploads/sites/10/2022/05/LHG-LOGO-2022-original.png)
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 Logo](https://whoapro.io/cdn-cgi/image/width=384,quality=75,format=avif/https://thisoldhouse.jppadmin.com/wp-content/uploads/sites/10/2022/05/Select-Home-Warranty-250x125-1.png)
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 Logo](https://whoapro.io/cdn-cgi/image/width=384,quality=75,format=avif/https://d37zyl8vccu3u7.cloudfront.net/images/partners/afc-home-warranty.webp)
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 Logo](https://whoapro.io/cdn-cgi/image/width=384,quality=75,format=avif/https://thisoldhouse.jppadmin.com/wp-content/uploads/sites/10/2022/05/logo_fahw.png)
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 Logo](https://whoapro.io/cdn-cgi/image/width=384,quality=75,format=avif/https://thisoldhouse.jppadmin.com/wp-content/uploads/sites/10/2022/05/Cinch-Logo.0.png)
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 Logo](https://whoapro.io/cdn-cgi/image/width=384,quality=75,format=avif/https://thisoldhouse.jppadmin.com/wp-content/uploads/sites/10/2022/05/2-10-Home-Buyers-Warranty-Logo-2022.png)
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 Winter Haven
- Average Max Temperature:82°F
- Average Min Temperature:64°F
- Average Annual Snowfall:0.0”
- Homeownership Rate:69%
- Median Home Size:1,832 sqft
- Median Home Price:$286,521
Are Home Warranties Worth It for Winter Haven Residents?
Yes, home warranties are beneficial for Winter Haven residents. Summers in Winter Haven are very hot, which makes it extremely important that your air conditioner is working well. However, over time this system can malfunction from heavy use.
Winter Haven winters are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
Winter Haven's heavy rain can damage your home's roof. Some home warranty providers offer limited roof-leak protection, which can mitigate the cost of roof repair.
Finally, home warranties connect you with reliable service providers. Reputable home warranty companies vet each service provider they work with. If life keeps you busy, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when choosing the best home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home. From this we determined that home warranties cost an average of $53–$62 per month. You'll also pay a service call fee of roughly $65–$125 whenever you file a claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before selecting a plan.
Coverage
Figure out which systems and appliances you use most often. Most home warranties offer custom coverage tailored to your needs. If you only want coverage for select systems, like your air conditioner, most companies offer systems-only plans. The same is true if you only want coverage for select appliances. 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 only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. In addition, home warranties don't cover cosmetic issues or appliance components, defects, routine maintenance, or theft. Each provider will outline its limitations and exclusions in its service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.
Provider Reputation
Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. Looking at reviews can show you how companies handle claims and customer service. Check with the Florida Division of Consumer Services to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Quality home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider where and how it sources technicians. If you can, use a provider that mentions service contractors you're familiar with. Those who live in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so you want the option to source your own.
Frequently Asked Questions about Home Warranty in Winter Haven
No, Winter Haven does not require home warranties. However, we still recommend purchasing a home warranty to help you maintain a budget to cover expensive appliance and system breakdowns. Home warranty providers also save you time by sourcing reputable technicians themselves.
A preexisting condition is a breakdown or issue experienced by a home system or appliance before warranty coverage begins. Providers generally won't cover preexisting conditions. Try to purchase a home warranty policy while all your appliances and systems are still in working order to ensure complete protection.
The best home warranty in Winter Haven depends on what you're looking for. American Home Shield is a good choice for comprehensive coverage limits. You can also consider Liberty Home Guard if you need unique coverage.
Yes, you can get a home warranty that covers home items beyond common systems and appliances. For instance, some policies may cover septic systems, sump pumps, pools and spas, well pumps, or stand-alone freezers. These are usually considered add-ons. Check with your provider to determine what add-ons it has available.
Most home warranty providers have a waiting period of 30 days before coverage begins. This is to know that any system and appliance breakdowns are the result of normal wear and tear rather than preexisting conditions. Home warranty providers won't cover an already broken item.
To maximize the value of your Winter Haven home warranty, read the contract thoroughly to know how coverage works. In addition, regularly maintain your home appliances and systems. This helps reduce the chance of a coverage dispute if one breaks down.
More Home Warranty Resources
Sources
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