Best 7 Home Warranty Companies in Meridian, ID
- Fact Checked
- Updated 2024-06-22 00:00:00
Idaho is known for its beautiful mountains and harsh weather conditions. From winter snowfall to hot, dry summers, you depend on reliable heating and cooling to keep your home comfortable. But when these systems fail, repairs can be expensive. That's why many Idaho homeowners invest in a home warranty.
With one of the best home warranty companies in Meridian, Idaho, you can rest assured that you're covered in the event of a breakdown.
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 Meridian
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 Meridian
- Average Max Temperature:63°F
- Average Min Temperature:47°F
- Average Annual Snowfall:25.8”
- Homeownership Rate:69%
- Median Home Size:2,263 sqft
- Median Home Price:$510,842
Are Home Warranties Worth It for Meridian Residents?
Home warranties are advantageous for Meridian residents. Meridian can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioning system may malfunction over time from heavy use.
Winters in Meridian can be mild, but there are still 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 nationwide.
Even in Meridian, over time rain can damage your home's roof. Some home warranty providers offer limited roof-leak protection, which can mitigate the cost of roof repair.
Lastly, home warranties connect you with trusted service providers. Reputable home warranty companies vet each service provider they work with. If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when picking your home warranty plan.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 per month. Additionally, you'll pay a service call fee each time you file a claim. Service call fees can range from $65–$125 per claim. Basic home warranty plans are more affordable than comprehensive ones. Appliance plans are typically less expensive than home systems coverage plans. Most plans offer add-on coverage options for an additional monthly fee. Consider your specific needs before choosing a plan.
Coverage
Figure out which appliances and systems you use most often. You want your home warranty plan to cover these items. Most plans can be tailored to your needs, and many companies offer systems-only plans for homeowners that only want select coverage (such as for air conditioning). You can also find plans that cover only select appliances. 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 don't cover improper installation or preexisting conditions. Most policies only cover damage from normal wear and tear. Most also exclude cosmetic issues or appliance components, theft, routine maintenance, or defects. Providers outline exclusions and limitations in their service contracts. We recommend reading carefully to fully understand the terms and conditions of your plan.
Provider Reputation
Also, consider provider reputation when choosing a plan. You can find customer reviews on sites like Google Reviews, Trustpilot, and Best Company or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to see how providers handle claims and customer service. Check with the Idaho Consumer Protection Division to verify a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Your company should always use licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. Select a provider that mentions service contractors you're familiar with. Those residing 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 Meridian
No, Meridian 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 save you time by sourcing reputable technicians themselves.
A preexisting condition is a breakdown or issue a home appliance or system experienced before coverage began. Many providers don't cover preexisting conditions. You should purchase a home warranty policy while all your appliances and systems still work for full protection.
Meridian's best home warranty provider depends on what you're looking for. American Home Shield is a good choice for comprehensive coverage limits. You may also consider Liberty Home Guard if you need unique coverage.
Yes, home warranties cover many home items besides common systems and appliances. For example, some warranties cover septic systems, stand-alone freezers, pools and spas, well pumps, sump pumps, and more. Providers generally cover these items as add-ons. Check with a company representative to see what add-ons are available.
Home warranty policies normally don't cover items that are already broken. Therefore, most home warranty companies have a 30-day waiting period before the start of coverage to ensure appliance and system breakdowns are from normal wear and tear, not preexisting conditions.
Requesting service from your home warranty provider is usually easy. Upon noticing an issue with one of your systems or appliances, contact your provider and provide information about the problem. The easiest way to do so is usually online, but you can also call the claims phone number. From there, your provider will arrange for a qualified contractor to visit your home, and you'll pay the service fee. The contractor will then diagnose and repair the issue.
To maximize the value of your Meridian home warranty, read the terms and conditions thoroughly, so you know what is and isn't covered. Additionally, keep up with regular maintenance for your home systems and appliance. This helps reduce the chance of a coverage dispute if one has a breakdown.
More Home Warranty Resources
Sources
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