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Best Home Warranty Companies In alabama 2024

Alabama’s beauty and charm come with unique homeownership needs. Unexpected repairs to essential systems and appliances can disrupt comfort and strain your wallet. This guide explores the Best Home Warranty Companies in Alabama, helping you find the right coverage to protect your home and budget. We’ll compare plans, explore features, and answer common questions to empower you to make an informed decision in the ‘Heart of Dixie.’

Our Picks: 5 Best Home Warranty Companies For alabama Residents

Here are the top 5 home warranty companies offering comprehensive coverage, competitive pricing, and valuable perks to meet the needs of homeowners across the state.

Highly Rated By Customers
4.7 | fourhalf_star Excellent
$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

  • Offers plans at competitive rates
  • Quick service with a network of qualified contractors
  • Offers a completely customizable coverage plan

Cons

  • Charges $150 service fees on weekend visits

Plans, Cost & Coverage

Elite Home Warranty offers three plans: Elite Complete, Elite Appliances, and Elite Systems. These plans vary in cost and coverage options to accommodate diverse needs and budgets. 

 

Elite Appliances

Elite Systems

Elite Complete

Monthly Plan

$44.99

$49.99

$59.99

Elite Appliances

  • Specialized coverage tailored for kitchen and laundry appliances
  • Covers eight essential appliances starting at $44.99
  • Suitable for homeowners who prioritize coverage specifically for their home appliances

Elite Systems

  • Focuses on safeguarding seven essential home systems, including HVAC, plumbing, and electrical
  • Designed for homeowners who prioritize coverage for their home’s vital systems

Elite Complete

  • Comprehensive coverage for both home systems and appliances
  • Cover fifteen essential home appliances & systems starting at $59.99
  • Ensures peace of mind against unexpected repair costs

Why We Picked It?

Elite Home Warranty stands out with flexible plans for appliances, systems, or both. They value happy customers, offer competitive prices, and make online claims and repairs easy.

Best For Comprehensive Plans
3.7 | threehalf_star Excellent
1st month free + Free roof coverage

Monthly Cost

$46 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Free month and 5% off on annual policy
  • Offers free roof leak coverage
  • Affordable monthly premiums

Cons

  • Limited Plan Options

Plans, Cost & Coverage

Choice offers two options: the Basic Plan and the Total Plan. The basic plan covers 14 systems and appliances, whereas the Total plan covers 18 systems and appliances. Here’s a breakdown of Choice Home Warranty’s costs and plans.

 

Basic Plan

Total Plan

Cost/Month

$46.67

$55.00

Cost/Annum

$560.00

$660.00

Basic Plan 

  • Coverage for essential home systems such as heating, electrical, and plumbing
  • Protection for major household appliances, including a water heater, whirlpool bathtub, oven/range, dishwasher, built-in microwave, garbage disposal, etc
  • Affordable option priced at $46 per month

Total Plan 

  • Comprehensive coverage extends to all items covered under the Basic Plan
  • Additional protection for air conditioning, refrigerator, and clothes washer and dryer
  • Offers eighteen essential appliances & systems starting at $55

Why We Picked It?

Choice Home Warranty, established in 2009, stands out as a preferred option in Alabama for homeowners seeking reliable home warranty services. With a consistent service call fee of $100, Choice removes any ambiguity surrounding technician costs. Additionally, the company imposes fixed coverage limits, set at $3000 for diagnostic, repair, or replacement of covered equipment.

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$29 - $99

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Covers undetectable pre-existing conditions
  • Flexible plan options to suit varying needs and budgets
  • 24/7 customer service and a large network of qualified technicians

Cons

  • Limited additional coverage options

Plans, Cost & Coverage

  • American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. The plans range from $19.99 to $79.99 per month. Plan pricing varies depending on where you live in Alabama, the plan type, and the service fee you select. 

 

ShieldSilver

ShieldGold

ShieldPlatinum

Cost at $125 Service Call Fee

$19.99

$39.99

$69.99

Cost at $100 Service Call Fee

$29.99

$49.99

$79.99

ShieldSilver

  • Protects fourteen crucial home systems and appliances, encompassing HVAC, electrical, and plumbing
  • Offers a budget-friendly option starting at $19.99/month
  • Tailored for homeowners looking for affordable coverage for key home components

ShieldGold

  • Offers comprehensive coverage for 23 major home systems and appliances
  • Provides extensive coverage at a moderate price point, striking a balance between affordability and protection

ShieldPlatinum

  • includes all appliances and systems from previous plans, plus roof leak repair
  • Additional benefits like $1,000 for roof-leak repairs
  • Priced at a premium but provides maximum protection for homeowners

Why We Picked It?

American Home Shield is known as a pioneer in the home warranty industry, backed by over 50 years of experience. The company’s strong contractor network ensures timely and reliable service. A 30-day workmanship guarantee further solidified our decision, providing customers assurance and peace of mind.

Best For Customer Services
3.3 | threehalf_star Good
$200 Off + 2 Months Free*

Monthly Cost

$60 - $67

Service Fee

$75

Response Time

48 hours

Pros & Cons

Pros

  • 24/7 customer support for prompt assistance
  • Quick and efficient claim process
  • Ensures prompt repairs or replacements

Cons

  • Limited availability in certain regions

Plans, Cost & Coverage

ServicePlus Home Warranty offers two home warranty plans starting at $48 monthly. Additionally, they provide various coverage options that can be added for an extra fee per item. The cost and plan details are explained below.

Property Size

Gold

Platinum

Less than 5,000 sqft

$40.57 per month

$48.70 per month

Above 5,000 sqft

$51.40 per month

$59.53 per month

Gold

  • Offers coverage for 15 basic home systems and appliances
  • The monthly fee begins at $40.57 for properties under 5,000 square feet
  • Affordable option for basic home warranty needs

Platinum

  • Includes all items covered in the previous plan and adds five extra items, such as AC, refrigerator, and others
  • Monthly cost varies based on the property size, starting at $48.70 for properties less than 5,000 sqft.
  • Ideal for homeowners seeking maximum protection

Why We Picked It?

ServicePlus Home Warranty is known for its competitive pricing, extensive coverage options, and flexibility to add additional coverage. The company’s commitment to customer satisfaction and efficient claims processing are also vital factors. Overall, ServicePlus offers excellent value and reliability, making it ideal for homeowners seeking comprehensive home protection.

Best For Affordable Coverage
3.8 | threehalf_star Excellent
$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

  • Provides discounts on multi-year plans
  • Offers free roof coverage
  • Fast and efficient claims processing

Cons

  • Lower dollar limits for appliances

Plans, Cost & Coverage

Select Home Warranty offers three plans—Bronze Care, Gold Care, and Platinum Care—that offer comprehensive coverage for various systems and appliances. In addition to these options, Select Home Warranty ensures that all plans have free roof leak coverage. 

The cost of Select Home Warranty Plans is as follows

Plan

Bronze Care

Gold Care

Platinum Care

Monthly Cost

$44.42

$44.42

$47.75

Bronze Care

  • Provides coverage for eight home appliances at a monthly cost of $44.42
  • Provides coverage for essential appliances like the refrigerator, microwave, dishwasher, and others
  • Suitable for homeowners on a tight budget who require essential protection for their appliances

Gold Care

  • Offers coverage for seven basic home systems starting at $44.42 
  • Encompasses essential systems such as AC, plumbing, electrical, and more
  • Ideal for homeowners seeking basic protection for home systems at an affordable price

Platinum Care

  • Comprehensive coverage for eighteen major home systems and appliances
  • Includes everything from previous plans, along with three additional items
  • Additional benefits included enhanced protection and peace of mind

Why We Picked It?

Select Home Warranty offers a flexible service fee range of $60 to $75, allowing homeowners to choose a plan that fits their budget. Additionally, they offer up to $150 off and two extra months of coverage for annual premium plans, providing excellent customer value. Overall, SHW stands out for its affordability and quality assurance, making it a considerable choice for homeowners.

Are Home Warranty Plans Beneficial For Alabama Homeowners?

Alabama homeowners face unique challenges, from potential hurricanes and humidity to diverse landscapes affecting their homes' systems and appliances. Home warranties offer valuable protection from the following issues that Alabama homeowners regularly face:

  • Alabama's hot and humid climate can accelerate wear and tear on home systems and appliances.
  • Home warranty plans provide financial protection against unexpected repair or replacement costs for essential systems like HVAC and plumbing.
  • Home warranty coverage can be particularly beneficial during the state's sweltering summers when home systems are under increased stress.
  • These plans offer convenience by providing access to a network of qualified technicians for repairs and replacements.
  • Alabama's frequent thunderstorms and heavy rains can lead to water damage, making coverage for plumbing systems and water heaters essential.

How Much Does An Alabama Home Warranty Cost?

The cost of a home warranty in Alabama can vary based on several factors:

Average Annual Cost

$239 - $1013

Average Monthly Cost

$19.99 - $93.75

Average Service Fee (Deductible)

$60 - $125

Here in Alabama, the cost of a home warranty can vary depending on several factors, such as:

  • Age Of The Home: Older homes in Alabama, which are more prevalent in certain areas, might require more frequent repairs and thus influence the warranty cost due to potentially higher risk.
  • Home Size: Larger homes in Alabama tend to have more covered systems and appliances, leading to potentially higher warranty costs.
  • Location: Some areas in Alabama might have higher service call fees for technicians due to factors like remoteness or higher demand, which could impact the overall cost.
  • Comprehensiveness Of Plans: Plans with broader coverage for various systems and appliances will generally cost more than basic plans with limited coverage.
  • Coverage Caps: Plans with higher caps, representing the maximum payout for a covered repair or replacement, typically come with a higher price tag.
  • Add-On Coverage: Adding optional coverages like pool, well, or roof leak protection will increase the overall cost of your plan.
  • Frequency Of Specific Repairs: With its humid climate, concerns about air conditioning repairs and roof leak coverage might influence plan selection and cost in Alabama.
  • Availability Of Service Providers: In some rural areas of Alabama, the availability of qualified service providers might be limited, potentially affecting the cost due to the need for travel or specialized services.

Home Warranty Coverage In Alabama

Understanding the general coverage provided, common exclusions, and additional considerations can help Alabama residents make informed decisions when selecting a home warranty plan.

General Coverage of Alabama Home Warranty

  • Heating & Air Conditioning (HVAC) Crucial for Alabama’s diverse climate, this covers repairs for your air conditioner, furnace, heat pump, and ductwork, ensuring year-round comfort.
  • Plumbing Safeguards against leaks, clogs, and malfunctions in pipes, faucets, toilets, and other plumbing fixtures, protecting your home from potential water damage, especially important during heavy rain seasons.
  • Electrical Ensures the safety and functionality of your electrical system by covering repairs for wiring, outlets, switches, and breaker panels.
  • Essential Kitchen Appliances Home warranties protect against unexpected breakdowns of essential appliances like refrigerators, ovens, cooktops, dishwashers, and garbage disposals, preventing disruptions to your daily routine.
  • Laundry Appliances Washing machines and dryers are commonly covered, ensuring your laundry routine runs smoothly, even if your appliances encounter issues.

Common Exclusions

  • Pre-Existing Conditions Any issues existing before the warranty coverage begins are typically not covered.
  • Cosmetic Repairs Repairs that solely address the appearance of an appliance or system without impacting functionality are usually excluded.
  • Normal Wear & Tear Gradual deterioration due to everyday use is not covered.
  • Acts Of God: Damage caused by natural disasters like hurricanes or tornadoes is typically excluded, although some companies might offer separate coverage for specific events.
  • Code Violations Repairs required to bring your home’s systems or appliances up to code compliance are typically not covered.

Some Additional Points to Consider

  • Humidity And AC Reliance Alabama’s humid climate can strain air conditioning systems. Consider plans with strong AC coverage or inquire about add-on coverage for specific components like coils or compressors.
  • Roof Leak Protection With the potential for heavy rain and occasional storms, roof leak coverage can be valuable for Alabama homeowners. Check if it’s included in the base plan or available as an add-on.
  • Service Provider Network If you live in any of Alabama’s rural locations, inquire about the availability and qualifications of service providers in your area.

Who Regulates Home Warranty Companies In Alabama?

In Alabama, home warranty companies are regulated by the Alabama Department of Insurance. This regulatory body oversees the licensing and regulation of insurance-related entities to safeguard consumers' interests and ensure compliance with state regulations. It also plays a crucial role in monitoring the operations of home warranty providers to maintain transparency and accountability within the industry.

In addition to the Alabama Department of Insurance, other agencies may also be involved in regulating home warranty companies in Alabama:

  • Alabama Office of the Attorney General This office may handle consumer complaints or legal matters related to deceptive practices by home warranty companies and enforce consumer protection laws.
  • Alabama Consumer Protection Division This division may offer resources and assistance to consumers regarding their rights and protections under state laws, including home warranties.

Final Word

Alabama homeowners have various reputable home warranty options, each offering comprehensive coverage and competitive pricing. By carefully considering coverage details, service fees, and customer reviews, homeowners can make informed decisions to protect their homes against unexpected repair costs.

Frequently Asked Questions (FAQs)

Are Home Warranty Plans Worth It In Alabama?

A.

Yes, home warranty plans can be worth it in Alabama. They provide financial protection against unexpected repairs for essential home systems and appliances during hot summers.

Can I Transfer My Home Warranty Coverage If I Sell My Home?

A.

Some home warranty companies allow for the transfer of coverage to the new homeowner for a fee. Check your contract or contact the company for transfer options and requirements.

What Factors Should I Consider When Comparing Home Warranty Plans In Alabama?

A.

Look at coverage limits, service fees, contract length, company reputation, and any additional perks or benefits offered. Ensure that the plan meets your specific needs and budget.

Do Home Warranty Companies In Alabama Offer Emergency Repair Services?

A.

Many home warranty companies provide 24/7 emergency repair services for urgent issues such as heating or plumbing emergencies. Check your contract or contact the company to inquire about emergency service availability.

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