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7 Best Home Warranty Companies in Alabama of 2023
By Victor Rosario MONEY RESEARCH COLLECTIVE
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- Members Can Save Up to 50% at Nike, Costco, Home Depot & 1000’s more
- Online Business Bureau Accredited with A+ Rating
- Covers Major Home Systems, HVAC & Appliances
- Free Roof Coverage, No Inspection Needed
24/7 support whenever your appliances fail
- Large network of independent prescreened contractors and qualified technicians
- In business for over 30 years
- Good coverage on home systems
- Does not cover pre-existing issues
- They will replace items that fail if they can't be fixed regardless of age, make or model
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- Industry leader since 1971
- More than $2 Billion in claims paid in last 5 years
- More than 2 Million customers served
- No inspection or maintenance records required
- 30-day workmanship guarantee
Homeowners in Alabama understand the importance of protecting their homes and its systems and appliances from unexpected breakdowns and repairs. A home warranty company can provide peace of mind for Alabama residents by covering the cost of repairs or replacements for covered items in their homes. With so many options available, it can be difficult to determine which home warranty company is the best fit for your needs. In this article, we’ll take a closer look at seven of the best home warranty companies in Alabama, what they offer, and what to consider before making a decision.
Our Top Picks for Best Home Warranty Companies in Alabama
- Best overall: Liberty Home Guard
- Best workmanship guarantee: Cinch Home Services
- Best low-cost combo plan: Select Home Warranty
- Best unlimited coverage for systems repairs: American Home Shield
- Best for no-inspection coverage: Choice Home Warranty
- Best for HVACs: AFC Home Club
- Best coverage limits: First American Home Warranty
Table of Contents
- Home Warranty Companies in Alabama Reviews
- Home Warranty Companies in Alabama Company Guide
- FAQs
- How we chose the best Home Warranty Companies in Alabama
Home Warranty Companies in Alabama Reviews
Best Overall: Liberty Home Guard
- Does not require home inspection
- Large selection of optional add-ons
- Won multiple awards for best home warranty company
- Does not cover damage from human error
- Does not cover appliances with accessories
Liberty Home Guard is a home warranty company that provides coverage plans for appliances and home systems. They offer three home services plans — Systems Guard, Appliance Guard, and Total Home Guard — which start at $54.99, $49.99, and $59.99 respectively per month. These plans can be customized with additional coverage options, such as central vacuum or plumbing fixtures, for an extra fee. Liberty Home Guard also offers a large network of licensed contractors for service requests with a service call fee of $65 to $125 and a payout limit of $1,600 per item.
Liberty Home Guard does not require a home inspection to be eligible for coverage, and will cover appliances and systems regardless of age. However, it does not cover damage from human error, negligence or natural disasters. The company also does not cover appliances with accessories.
Liberty Home Guard is a new company founded in 2017 and headquartered in Brooklyn, New York. It has won awards for being the “Best Home Warranty Company in America” and having the “Best Home Warranty Company for Customer Ratings”.
Best Workmanship Guarantee: Cinch Home Services
- 180-day workmanship guarantee for every protection plan
- Accredited by the Better Business Bureau
- Recipient of 41 Stevie awards for customer service
- Exclusions may apply
- Online reviews reflect slow response times
Cinch Home Services is a home warranty company based in Boca Raton, Florida that operates in 48 states (excluding Alaska and Hawaii). They offer three different warranty protection plans for home appliances and systems, each with a 180-day workmanship guarantee. The Appliance Plan covers household appliances, with a monthly fee starting at $27.99. The Home Systems Plan covers built-in home systems such as plumbing or HVAC, with a monthly fee starting at $32.99.
The Complete Home Plan covers all components from the Appliance and Home Systems plans, as well as additional benefits like a $500 homeowners insurance deductible reimbursement and sump pump coverage, starting at $39.99. Cinch is accredited by ConsumerAffairs and the Better Business Bureau, and has won 41 Stevie awards for customer service and sales excellence.
Best Low-Cost Combo Plan: Select Home Warranty
- Offers individual plans for systems or appliances
- Low-cost combo plan
- Discounts for multiple-year plans
- Limited roof leak coverage available
- Fewer add-on coverage options than competitive plans
- Low coverage limits for appliances, electrical systems, and plumbing systems ($500)
- More exclusions than other plans
Select Home Warranty offers homeowners a choice of three plans. You can select an appliance plan, a systems plan, or a plan that includes both. Its appliances-only Bronze Care plan includes coverage for washers and dryers, refrigerators, stoves, built-in microwaves and garbage disposals. Its systems-only Gold Care plan covers HVAC, electrical and plumbing systems, as well as water heaters and ductwork.
Its Platinum Care plan is among the least expensive combo plans we’ve come across during our review process and includes limited roof leak coverage. But Select Home Warranty’s low costs may be offset by its low coverage limits on certain systems and appliances. For example, its coverage limit on appliances is $500. Especially in today’s inflationary times, you’d be hard-pressed to find a decent refrigerator for under $1,000.
Best Unlimited Coverage for Systems Repairs: American Home Shield
- Over 50 years in business
- Unlimited coverage for covered system repairs
- Covers items with no maintenance records
- Covers breakdowns of appliances that haven't been properly maintained
- Free removal of items that need replacement
- More expensive than other plans
American Home Shield has been in business since 1971. In 1989, the company was acquired by Service Master, a 100-year-old company and one of the best-known and most experienced companies in the home service category. So when it comes to experience and street cred, American Home Shield lands at the top of our list.
The company also stands out for having fewer exclusions than other home warranty companies and for placing no limits on system coverage. Appliances that have been neglected are still eligible for breakdown coverage. With no limits on systems coverage, an American Home Shield warranty can save you thousands of dollars should your heating system need replacement, for example.
The ShieldSilver plan covers four major systems in your home: heating, cooling, electrical and plumbing. The ShieldGold plan adds in coverage for kitchen and laundry room appliances. The ShieldPlatinum plan includes everything covered in the two less expensive plans and adds in limited roof leak coverage, free HVAC tune-ups and unlimited refilling of A/C refrigerant. It also includes coverage for repairs made necessary by code violations, which are normally excluded by home warranty plans.
Best for No-Inspection Coverage: Choice Home Warranty
- First month free when you select an annual plan
- Two combination systems-and-appliances plans to choose from
- Publishes an informative homeowner's blog
- Refrigerators not covered in its lowest-cost plan
- Only covers properly maintained systems and appliances
- No sample contract provided on website
Choice Home Warranty offers two customizable plans that can be tailored to fit the specific needs of a wide range of properties. Choice Home Warranty’s plans are a good value, providing broad coverage at moderate prices.
Choice Home Warranty is one of several companies that do not require a home inspection before a policy is issued. However, it’s important to note that the company reserves the right to deny coverage for any known or unknown pre-existing condition. This is an important consideration for homeowners who don’t quite know what they’re getting into when they buy an existing home.
Best for HVACs: AFC Home Club
- HVAC systems excluded from coverage caps
- Member of the NHSCA
- User-friendly website with a personalized free quote calculator
- 30-day waiting period
- Excludes pre-existing issues from coverage
As our choice for best home warranty for HVAC, AFC Home Club offers hybrid policies that cover many common systems and appliances, with a user-friendly, every-item service cap of $1,500 to $2,000. HVAC systems are exempt from coverage caps, making it a great addition for the company. The company only covers issues that arise after they begin providing service, with exclusions listed on their website. The base-level contract has annual premiums starting at $395 and includes a 30-day refund policy and pro-rated refund policy after that period.
The company is competitive in the industry with service fees of $75, $100, and $125, and allows customers to work with out-of-network contractors, as long as they are licensed, bonded and insured. However, there is a 30-day waiting period and if a claim is filed before this period, the maximum payout amount is limited to $150.
AFC Home Club is a member of the NHSCA and has maintained accreditation with the Better Business Bureau since 2009, with a B rating.The company has a user-friendly website with a personalized quote calculator, sample contract, and detailed explanation of coverage for each item.
Best Coverage Limits: First American Home Warranty
- Coverage limits higher than average
- Affordable service call fee
- 24/7 claims department
- Only premier plan offers complete protection for appliances
- No coverage for secondary damages like mold, wood rot, or roof leaks
First American Home Warranty offers two plans, the Basic coverage, and the Premier coverage. Their Premier coverage plan offers complete protection for all major home systems and appliances, while their basic coverage mainly protects kitchen appliances. The company’s coverage limits are higher compared to other similar companies, ranging around $3,000 for kitchen refrigerators, $1,500 for heating systems, and $500 for ductwork.
The annual premiums for First American Home Warranty range from $300 to $500 depending on the plan and option selections, making them reasonably priced within the home warranty industry. The company offers a standard 12-month contract term and allows customers to enroll and get quotes online. The company has different cancellation policies based on geographical location, so customers are advised to read the warranty agreements thoroughly.
First American has some of the most affordable service call fees in the industry, ranging from $75 to $100, and also provides a vast network of prescreened contractors and technicians along with a 24/7 claims department. The company’s contracts are short and easy to understand, which is a feature that potential clients will appreciate. First American is a BBB-accredited business with a B+ rating and a composite score of 2.82 out of 5 stars based on 321 customer reviews.
Guide to the Best Home Warranty Companies in Alabama
Main things to know before purchasing a home warranty in Alabama
Before purchasing a home warranty in Alabama, it’s important to understand what is covered and what is not, the cost of the warranty, and the process for making a claim. It is also important to understand the service call fee and what it covers. Lastly, you should also know the difference between home warranty vs home insurance.
What does a home warranty company in Alabama cover?
Typically, Alabama home warranties cover major systems and appliances in the home, such as heating and air conditioners, electrical systems and plumbing systems, and major appliances such as cooktops, water heaters, built-in microwaves, refrigerators and washers. Ceiling fans, exhaust fans, garbage disposals and garage door openers are also appliances that are sometimes covered by a home warranty company. The specific home warranty coverage options will vary from company to company, so it is important to review the details of the plan before making a decision.
How much does a home warranty cost in Alabama?
The cost of a comprehensive home warranty plan in Alabama can vary depending on the coverage options and the service call fee. Some companies may offer a basic plan for a lower cost and offer add-on coverage for additional appliances or systems for an additional cost.
Who regulates home warranty companies in Alabama?
Home warranty providers in Alabama are regulated by the Alabama Homebuilders Licensure Board. The board is responsible for ensuring that home warranty companies comply with state regulations and provide fair and transparent services to home buyers.
How does a home warranty work?
A home warranty works by covering the cost of repairs or replacements for covered systems and appliances in the home. When a covered item breaks down, the homeowner will request service through the home warranty company. The company will then send a service provider to assess the issue and make any necessary repairs or replacements. The cost of the repair or replacement will be covered by the home warranty.
Best Home Warranties in Alabama FAQs
Can I get a home warranty when buying a mobile home in Alabama?
How much is the service fee for a home warranty in Alabama?
When is the best time to buy a home warranty in Alabama?
What is the waiting period for a home warranty in Alabama?
How We Chose the Best Home Warranty Companies in Alabama
When determining the best home warranty companies in Alabama, we looked at a variety of factors including the company’s reputation, the types of coverage offered, the cost of coverage, the level of customer service and the company’s track record when a homeowner files a home warranty claim. We also considered the length of time the company has been in business and the types of home warranty reviews and ratings the company has received from customers.
Another important factor in our selection process was the company’s network of service providers. We wanted to ensure that the home warranty companies we selected have a large network of companies with years of experience and reliable service providers that can quickly and efficiently handle claims. The company’s ability to provide prompt and professional service was also a key consideration in our selection process.
In conclusion, choosing a home warranty company in Alabama can be a difficult decision. With so many options available, it is important to consider your individual needs and budget when selecting a company. The companies listed above are a good starting point in your search for the best home warranty company in Alabama. By taking the time to research the options available, you can find a company that can provide you with the coverage and peace of mind you need for your home and budget.
