Best 7 Home Warranty Companies in West Chester, OH
- Fact Checked
- Updated 2024-06-22 00:00:00
From the shores of Lake Erie to the rolling Appalachians hills, Ohio sees climate and weather extremes that can stress your household appliances and systems. A home warranty offers peace of mind, protecting you from unexpected repair and replacement expenses. In this article, we'll review the best home warranty companies in West Chester, Ohio, and explain how they can protect your home and budget.
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 West Chester
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 West Chester
- Average Max Temperature:62°F
- Average Min Temperature:45°F
- Average Annual Snowfall:12.9”
- Homeownership Rate:68%
- Median Home Size:1,599 sqft
- Median Home Price:$377,219
Are Home Warranties Worth It for West Chester Residents?
Home warranties are beneficial for West Chester residents. West Chester summers can get hot, which makes it important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.
Winters in West Chester 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 annually, based on 120 quotes we requested from home warranty companies nationwide.
The regular rain in West Chester can damage your home's roof. Some home warranty providers offer limited roof-leak protection, which can mitigate the cost of roof repair.
Lastly, your home warranty will connect you with service providers you can trust. A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you select the best home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and found 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. Basic home warranty plans are typically more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know what you need before choosing a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Make a list of the systems and appliances that you use often and need coverage for. 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
Home warranties usually only cover breakdowns from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies will also not cover cosmetic issues or appliance components, defects, routine maintenance, or theft. A provider will outline its exclusions and limitations in your service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Provider Reputation
Carefully consider a provider's reputation before deciding on a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Trustpilot, Google Reviews, and Best Company. Reading these reviews gives you an idea of how providers handle customer service and claims. Check with the Ohio Consumer Protection Section to verify that a provider holds a license with the state.
Contractor Network
Take into account a home warranty company's service provider network. Your company should always use licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. Select a provider that mentions the names of familiar service contractors. Rural homeowners might consider choosing a home warranty that lets them pick their technicians. It's good to have the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions about Home Warranty in West Chester
No, you don't need a home warranty in West Chester. However, we still recommend purchasing one because it helps you maintain a budget to cover expensive system and appliance breakdowns. It'll also save you time you'd otherwise spend searching for a reliable service technician.
Preexisting conditions are breakdowns or issues experienced by a home appliance or system before warranty coverage begins. Providers normally don't cover preexisting conditions. You should purchase a home warranty policy while all your appliances and systems are still in working order to ensure full protection.
West Chester's best home warranty provider depends on what you're looking for. American Home Shield is a solid choice for comprehensive coverage limits. You may also consider Liberty Home Guard if you need unique coverage.
Yes, you can get a home warranty that covers household items besides common appliances and systems. For instance, some policies might cover well pumps, sump pumps, septic systems, pools and spas, or stand-alone freezers. These are typically considered add-ons. Check with a company representative to determine what add-ons are available.
Most home warranty providers have a 30-day waiting period before coverage begins. This is to ensure 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 get the most value from your West Chester home warranty, read the terms and conditions thoroughly, so you know how coverage works. Additionally, keep up with regular maintenance for your home appliances and systems. This helps provide better coverage if one has an issue.
More Home Warranty Resources
Sources
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