Costly repairs of home systems and appliances come as an unpleasant surprise to Cincinnati residents. You can protect yourself financially with a home warranty, which will provide coverage after the manufacturer’s guarantee expires. Our partners at ConsumerAffairs researched the best home warranty in Cincinnati to help keep your home running smoothly.
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Purchasing a home warranty is a cost-effective decision for many homeowners in Cincinnati. Whether you’re putting your house on the market, managing a rental property or looking to maintain your home as it ages, these plans cut costs on repairs to major components and appliances.
Temperatures in Cincinnati often fall below freezing in winter and rise during muggy summers, requiring reliable heating and cooling systems to keep residents comfortable. In neighborhoods with historic houses like Over-the-Rhine or Mt. Adams, repairs to these systems can be particularly expensive.
How much does a home warranty cost in Cincinnati?
A home warranty in Cincinnati usually costs between $600 to $1,200 per year, with policies ranging from as low as $145 to nearly $3,000.
Home warranty policyholders can usually choose to pay monthly or annually for coverage. If something breaks, you contact the warranty company, which will then send a technician from within its network. You pay a small service fee for the technician’s diagnosis, and if the appliance or system is covered, the warranty company will pay for its repair or replacement.
Home warranty coverage in Cincinnati
Depending on the coverage, your policy may fall into the following tiers:
Pool, spa, garage door, garage door opener, septic system; other systems may be added at additional cost
As you look for the right home warranty, be certain that systems and appliances that matter to you are covered. Read reviews to find out if customers find the claims process easy or if they experience difficulty getting repairs and replacements done. If you suspect any signs of a scam, check to see if the company is accredited and rated by the Better Business Bureau.
Keep in mind that home warranties are not the same as homeowners insurance. A warranty protects you from breakdowns due to wear and tear, while an insurance policy pays to repair damages caused by fire, weather, theft and other events. Insurance may be required for your home, but warranties are optional and can be purchased at any time.
With American Home Shield, you can customize your plan to cover what’s important to you, or you can choose from three standard plans to meet your Cincinnati home maintenance needs. Optional coverage is available for pools and spas, well pumps and septic pumps. Service fees range from $75 to $125, and customers get access to discounts on appliances and air filters. Reviewers report good value for the price.
Choice Home Warranty offers a basic plan and a total plan, which adds on coverage of an air conditioning system, refrigerator and washer and dryer. Customers can also add optional coverage for a pool/spa, sump pump, septic system and other items. The standard service call fee is $75. Choice Home Warranty gets generally good reviews from customers, with many appreciative of prompt, professional service.
With appliance and system plans starting at less than $1 per day, Liberty Home Guard offers flexible plans that let you tailor coverage to fit your home needs. Customer support is open 24/7 and Liberty says that empathy and integrity are core company values.
Total Home Protection
Total Home Protection offers two different home warranty plans, with options for add-on coverage of a pool, spa, sump pump and more. Customers get 24/7 access to claims service and the benefit of prescreened, licensed and insured service contractors. There is no limit to the number of claims you can place and no fee to transfer a policy to a new homeowner. Reviewers appreciate how easy it is to submit claims and the follow-up from customer service after repairs.
With tiered pricing options, AFC Home Club makes it easy to see what is and is not covered under its three plans. Choose one that fits your home’s needs and buy extra coverage to protect additional appliances and systems. There’s no deductible, only a $60 service fee. Plans include restaurant gift cards and a retail savings program for cash back at 5,000 retailers.
Select Home Warranty has three plans available: appliances, systems or a comprehensive plan that includes both. Customers are covered for an unlimited number of repairs, which are serviced by a network of 10,000 qualified contractors. Policyholders in Cincinnati say Select Home Warranty is affordable and there for you when problems arise.
Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.
Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.