Total Home Guard covers both your major home appliances and your major home systems.Systems Guard covers your major home systems.Appliance Guard covers your major home appliances.Liberty Home Guard offers three different home warranty plans: The bottom line: Liberty Home Guard offers a huge range of add-on coverage, making it a great option if your home has unique components or features that you want covered. Best for Customizing Your Coverage: Liberty Home Guard AFC Home Club doesn't offer service in Hawaii. The higher your service fee, the lower your monthly cost will be.ĪFC Home Club has a 3.6 rating from Consumer Affairs, based on 126 customer reviews. You can choose a service fee of $75, $100, or $125. Platinum covers everything in the Systems, Silver, and Gold plans, plus faucets, ice makers, built-in microwaves, and fans.Gold covers everything in the Systems and Silver plans, plus ductwork.Silver covers your major appliances, such as your refrigerator, stove, dishwasher, and garbage disposal.Systems covers your water heater, air conditioning and heating systems, electrical system, and plumbing system.Most home warranty companies only offer two or three options.ĪFC Home Club's coverage plans range from basic systems coverage to full house coverage, which includes systems, appliances, and smaller house components. The bottom line: America's 1st Choice Home Club stands out thanks to its four different coverage plans. Best Range of Coverage Options: America's 1st Choice Home Club It's not available in Alaska, New York City, or certain zip codes in Hawaii. American Home Shield offers a $75, $100, or $125 service fee the higher your fee, the lower your contract cost.Īmerican Home Shield currently has a 4.2 out of 5 rating from Consumer Affairs, based on 11,175 customer ratings. Prices for coverage can range quite a bit depending on which service fee you choose. ShieldPlatinum covers everything in the other two plans, along with roof leak repairs, free HVAC tune-ups, unlimited A/C refrigerant, and coverage for code violations and permits.ShieldGold covers everything in the Silver plan, plus kitchen and laundry appliances.ShieldSilver covers the major systems of your home, including your heating and cooling systems, electrical systems, and plumbing systems.Cinch is a registered mark of Cinch Home Services, Inc.The bottom line: American Home Shield is our best overall home warranty company thanks to its range of coverage options, flexible pricing, and positive customer reviews.Īmerican Home Shield offers three different coverage options: Also licensed in AK, AL, AR, AZ, CO, CT, DC, FL, GA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NE, NC, ND, NH, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WY. Licensed by the NJ Department of Banking and Insurance. Massachusetts Mortgage Lender License ML75164. Licensed by the Delaware State Bank Commissioner. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Prosperity Home Mortgage, LLC products may not be available in all areas. Available only in California, Delaware, Maryland, Minnesota, New Jersey, Pennsylvania, Virginia, and the District of Columbia.Īll first mortgage products are provided by Prosperity Home Mortgage, LLC. To be eligible, borrower(s) must be first-time home buyer(s), and borrower’s total household income must be less than or equal to 80% of the area median income (AMI) in which the property is located. This offer is void where prohibited and is non-transferable, subject to the terms herein, and valid on all complete applications received on or before. Only one home warranty permitted per New Loan. This offer must be presented at time of application and all eligibility requirements met no later than 2 days prior to the New Loan closing date. Loan must close within 60 days from the date of loan application. Prosperity Home Mortgage, LLC is not an affiliate of Cinch Home Services, and this offer is not an endorsement of Cinch Home Services products or services.īorrowers are eligible for a lender credit of $527.00 toward closing costs to pay for a one-year Cinch Home Warranty (valued at $526.18) with a new purchase, secured by a first mortgage or deed of trust (New Loan), subject to qualification, approval and closing with Prosperity Home Mortgage. If you cancel this plan, you will not be eligible for a refund. This plan is included as a benefit with your Prosperity Home Mortgage. Deductible due at time of service request. Covered items must be in good working order, with no apparent visual or operational malfunctions. receives and accepts your enrollment request. †See terms, conditions, limitations in your service agreement that will be sent once Cinch Home Services, Inc.
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