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5 Best Home Warranty Companies in Nebraska of 2023
By Victor Rosario MONEY RESEARCH COLLECTIVE
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- 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
A home warranty is a type of insurance policy that covers the repair or replacement of various systems and appliances in a home, such as heating and cooling systems, plumbing, and electrical systems, as well as appliances like refrigerators and washing machines.
It is important to know the difference between a home warranty and homeowners insurance. The latter typically covers damage from events such as theft, fire and natural disasters. Meanwhile, a home warranty provides coverage for breakdowns of covered items due to normal wear and tear.
In Nebraska, there are several home warranty companies to choose from, each with its own coverage options, exclusions and costs. This article provides an overview of the best home warranty companies in Nebraska, including information on the main things to know before purchasing a home warranty, what a home warranty covers, the cost of a home warranty, who regulates home warranty companies, and how a home warranty works.
Our Top Picks for Best Home Warranty Companies in Nebraska
- Liberty Home Guard – Best overall
- American Home Shield – Best for unlimited coverage for systems repairs
- Choice Home Warranty – Best for no-inspection coverage
- AFC Home Club – Best for HVACs
- Select Home Warranty – Best for low-cost combo plan
Best Home Warranty Companies in Nebraska Reviews
Best Overall: Liberty Home Guard
- Customize your plan with a very wide range of add-on coverages
- Offers systems-only, appliances-only and combination plans
- Some customers have reported slow response times for service requests
- More than 500 complaints made to the Better Business Bureau
Liberty Home Guard offers a choice of three home warranty plans with self-explanatory names: Appliance Guard, Systems Guard and Total Home Guard. It may sound funny, but with so many companies giving their plans meaningless names —precious metals are favored by most— we appreciate Liberty Home Guard’s efforts to keep things simple and transparent.
The company’s Appliance Guard Plan costs $49.99 per month and includes coverage for nine common kitchen and laundry room appliances. Garbage disposals, ceiling and exhaust fans, and garage door openers are among the items covered by the plan.
Liberty Home Guard’s Systems Guard plan is available for $54.99 per month. It covers heating, air conditioning, plumbing, electrical systems and hot water heaters. Ductwork is included in the company’s HVAC coverage.
Liberty Home Guard’s Total Home Guard plan costs $59.99 per month. It includes coverage for all items in their two lower-priced plans. All plans reflect a service call fee of $125, but the company does allow you to opt for a lower service call fee — as low as $65.
Liberty Home Guard stands out for its very wide range of optional coverages: we counted about thirty. They include some very popular add-ons —second refrigerators, well pumps and septic pumping — and a few obscure items, too. Notably, you can purchase coverage for pro-series appliances, which are often excluded under home warranties, and even some maintenance services, such as carpet cleaning and exterior power washing. You can also purchase coverage for your electronic devices.
Best for 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 quote calculator
- 30-day waiting period
- Excludes pre-existing issues from coverage
AFC Home Club is our choice for best home warranty for HVACs. The company has a service cap of $1,500 to $2,000 and, most notably, HVAC systems are exempt from coverage caps. The company requires a 30-day waiting period and has a base-level contract with annual premiums starting at $395, which includes a 30-day refund policy and pro-rated refund policy after that period.
The company has competitive service fees and allows customers to work with out-of-network contractors. AFC Home Club is a member of the NHSCA and is BBB accredited with a B rating. The company has a user-friendly website with a personalized quote calculator and detailed information on coverage for each item.
Best for 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.
Other companies we considered
Cinch Home Services
Cinch Home Services is a home warranty company based in Boca Raton, FL and operates in 48 states (excluding Alaska and Hawaii). They offer three different plans for covering appliances and home systems with a workmanship guarantee, starting at $27.99/month.
The Complete Home Plan combines both appliance and home systems coverage with added benefits like a $500 insurance deductible reimbursement and sump pump coverage. Cinch has received accreditation from ConsumerAffairs and the Better Business Bureau and has won 41 Stevie awards for customer service and sales excellence.
HSA Home Warranty
HSA Home Warranty is a home warranty company based in Memphis, Tennessee that provides a range of real estate solutions for both homeowners and realtors. With 40+ years of experience in the industry, the company has a wealth of knowledge and is BBB-accredited with a B rating. HSA exclusively offers combo or hybrid policies, which cover the standard range of systems and appliances. However, their specialty item offerings are relatively weak. Their term benefit cap is $25,000, with an appliance cap of $300 and a system cap of $1,500.
HSA has a starting price of $589 for a 12-month contract, making it one of the most expensive options on the market. Before purchasing a policy, it’s important to thoroughly review the fine print, as the policy is irreversible and the company does not offer any cancellation or money-back options.
HSA claims to have the largest network of professional contractors and offers quick and efficient service with service fees ranging from $75-$100 and no waiting period. They also have a 30-day recall period and do not require maintenance records to be kept, reflecting the company’s goal of making their services easily accessible. HSA’s 24/7 claims department may approve the use of a contractor outside of their network under certain circumstances.
First American Home Warranty
First American Home Warranty offers two plans, the Basic coverage and the Premier coverage. The Premier coverage offers complete protection for all major home systems and appliances, while the Basic coverage mainly protects kitchen appliances. The company has higher coverage limits compared to other similar companies, ranging around $3,000 for refrigerators, $1,500 for heating systems, and $500 for ductwork. The annual premiums range from $300 to $500, making them reasonably priced within the home warranty industry.
The company offers a 12-month contract term, a standard service call fee of $75 to $100 and a vast network of prescreened contractors and technicians with a 24/7 claims department. First American has short and easy to understand contracts and allows customers to enroll and get quotes online. The company is BBB-accredited with a B+ rating and a composite score of 2.82 based on 321 customer reviews.
Guide to the Best Home Warranty Companies in Nebraska
What does a home warranty company in Nebraska cover?
A home warranty company in Nebraska typically covers major appliances and systems, including air conditioning and heating systems, electrical systems, ductwork, plumbing systems, water heaters and more. Some common covered items and home appliances include refrigerators, washers and dryers, ovens, dishwashers and garbage disposals.
How much does a home warranty cost in Nebraska?
The cost of a home warranty in Nebraska varies depending on the coverage options, the deductible, and the service fee. Some companies offer basic plans that start around $300 to $500 per year, while more comprehensive plans can cost $600 to $800 or more. Service call fees, which are typically around $75 to $100, may also apply.
Who regulates home warranty companies in Nebraska?
Home warranty companies in Nebraska are regulated by the Nebraska Department of Insurance. The department is responsible for ensuring that home warranty companies in Nebraska comply with state laws and regulations and operate in a financially sound manner.
How does a home warranty work?
A home warranty works by providing coverage for the repair or replacement of covered items due to normal wear and tear. When a covered item breaks down, the homeowner requests service through the home warranty company. The home warranty company then sends a service technician to diagnose and repair the problem. If the item cannot be repaired, the home warranty company may pay to replace it.
Home Warranty FAQs
Do I really need a home warranty in Nebraska?
It is not mandatory to have a home warranty in Nebraska, but it is highly recommended. A home warranty offers peace of mind to homeowners by providing coverage for the repair or replacement of appliances and systems that break down due to normal wear and tear. This type of coverage is not typically included in homeowners insurance policies, so a home warranty can provide an extra layer of protection for homeowners.
When is the best time to buy a home warranty in Nebraska?
The best time to buy a home warranty in Nebraska is when you are a new homeowner or when your existing coverage is about to expire. This way, you can ensure that you have continuous protection for your home appliances and systems. Home warranty plans are also a popular option for home buyers as it offers added peace of mind during the process of purchasing a new home.
What are the fees for a home warranty in Nebraska?
The fees for a home warranty in Nebraska vary depending on the provider and the plan selected. On average, a home warranty plan can cost between $350 and $500 per year. There is also typically a service call fee, which ranges from $75 to $125 per visit, that is required when you request service.
How long is the waiting period for a home warranty in Nebraska?
The waiting period for a home warranty in Nebraska varies depending on the provider and the plan selected. Some providers have a 30-day waiting period for coverage to take effect, while others may have a longer waiting period. It is important to review the terms and conditions of the plan you are considering to determine the waiting period for coverage.
How We chose the Best Home Warranty Companies in Nebraska
In order to determine the best home warranty companies in Nebraska, we conducted a comprehensive review of the industry. Our research was based on several key factors, including each company’s reputation, coverage options, cost, customer reviews, and the responsiveness of their customer service team. We also took into consideration the type of coverage offered, such as comprehensive coverage for all home appliances and systems or basic coverage for specific items.
In addition, we considered the company’s overall financial stability and the length of time they have been in business. The companies that made our list of the best home warranty companies in Nebraska are well established, financially stable, and have a track record of providing high-quality service to their customers.