A home warranty protects you from spending significant money on household repairs after appliances and systems break down. Instead, you pay just a small fee per claim, and the company takes care of the rest. Our partners at ConsumerAffairs researched the best home warranty in Omaha to help you understand what these contracts cover and how much they cost.
When an out-of-warranty appliance such as a refrigerator or washing machine stops working, or an air conditioning component fails, repairs can cost hundreds, even thousands of dollars — except if you have a home warranty.
Many homeowners benefit from purchasing a home warranty in Omaha:
Sellers include one as an incentive, often increasing the sales price and lowering a home’s time on the market.
New buyers purchase a home warranty for peace of mind and financial security.
Owners of older homes in neighborhoods like Dundee or Field Club buy a home warranty to cover older household items.
Rental property owners get one to protect an investment.
Home warranty coverage in Omaha
A standard home warranty in Omaha typically excludes secondary appliances, pools and spas and well and septic pumps, but providers will cover these at an additional cost.
A home warranty is not the same as homeowners insurance. Homeowners insurance protects the structure of your home and personal property from fire, flooding, storms and other perils. A home warranty pays for repairs and replacements of large appliances and major home systems that stop working after wear and tear.
Home warranties can be purchased at any time but may take up to 30 days to go into effect. Items typically covered by a home warranty include:
Washers and dryers
Heating and cooling systems
Electrical and plumbing systems
How much does a home warranty cost in Omaha?
A standard home warranty runs between $300 and $700 a year. The price you pay depends on your choice of coverage. Most companies have plans covering appliances or systems or both. Often, it’s possible to build your own coverage plan.
Keep in mind that with each claim you make, you will owe a small deductible, called a trade service call fee. The amount is usually between $50 and $100. The home warranty company will charge the fee when sending out a technician. If the technician determines a repair or replacement is necessary and covered, the company will pay the balance.
As with any warranty, there are exclusions and limitations. It is important to read the contract carefully so you know what is covered. Ask specifically if there is any restriction on the number of claims you can make or the amount the home warranty company will pay out.
Also, read customer reviews to get an idea of how the company interacts with customers during the claims process. The Federal Trade Commission has more tips to consider as you shop for a home warranty in Omaha.
American Home Shield has been in the home warranty industry since 1971 and currently has over 1.7 million customers across 49 states. The “Shield” offers an appliances plan, a systems plan and a combo plan, or you can build your own. Customers can always request service 24/7 online or by phone, and there is no limit to the number of covered repairs. Feedback in reviews is largely positive; policyholders say the company and its technicians are fast at repairs.
2-10 Home Buyers Warranty
With more than 35 years in business, 2-10 Home Buyers Warranty is an industry leader that covers appliances like a dishwasher, refrigerator, washing machine and air conditioner, to name a few. Whether you’re buying, selling or building a home, 2-10 offers a service agreement to protect you from unexpected repair costs.
Choice Home Warranty has both basic and comprehensive home warranty coverage, or you can customize a plan to meet individual needs. Optional protection is available for a pool/spa, sump pump, second refrigerator and more. Customers can make claims at any time online or over the phone. According to reviews, Choice Home Warranty provides prompt service and easy-to-understand policies.
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 offers two plans for Omaha residents, with plenty of add-on coverage options. Customer service is available 24/7, every day of the year, and all technicians are prescreened, licensed and insured. There is no limit to the number of service requests you can make, and the company makes it easy and free to transfer a policy to a new homeowner. Customers appreciate the responsive claims process and the follow-up from Total Home Protection 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 offers Omaha residents three different levels of coverage, each with easy monthly payment options. Customers can call 24/7 to place a claim and get service from a network of prescreened contractors. Select Home Warranty covers unlimited repairs and offers discounts for multiple-year protection. Customers like the competitive pricing and hassle-free communication with Select Home Warranty representatives.