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Best Home Warranty Companies In idaho 2024

Idaho’s diverse landscapes and distinct climate pose unique challenges for homeowners. Protecting your appliances and systems from sudden breakdowns is essential, making a home warranty valuable. This guide explores the top-rated home warranty companies in Idaho for 2024, empowering you to make an informed decision and safeguard your investment.

Our Picks: 5 Best Home Warranty Companies For idaho Residents

To simplify your search, we've curated a list of the top home warranty companies offering comprehensive coverage and exceptional service for Idaho residents.

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

  • Access to a network of reputable contractors, ensuring quality repairs
  • Flexibility to choose from various coverage options based on individual needs
  • No waiting period for new homes with an inspection report

Cons

  • Charges $150 service fees on weekend visits

Plans, Cost & Coverage

Elite Home Warranty offers three plans- Elite Appliances, Elite Systems, and Elite Complete. This flexibility allows you to select the most suitable option, safeguarding your investment and mitigating the financial burden of unexpected repairs.

 

Elite Appliances

Elite Systems

Elite Complete

Monthly Plan

$44.99

$49.99

$59.99

Elite Appliances

  • Provides coverage for 8 essential household appliances
  • Suitable for homeowners looking for coverage primarily for their major appliances

Elite Systems

  • Offers coverage for 7 vital home systems, including electrical, plumbing, heating, and air conditioning systems
  • Prompt response from qualified contractors for system failures
  • Suited for homeowners who prioritize coverage for home systems over appliances

Elite Complete

  • Comprehensive coverage for both appliances and systems
  • Covers 15 major systems and appliances, such as HVAC, plumbing, electrical, dishwasher, and laundry appliances
  • Ideal for homeowners seeking extensive protection for their entire home

Why We Picked It?

Elite Home Warranty provides comprehensive coverage for various home systems and appliances, offering peace of mind against unexpected repair costs. Additionally, it often boasts excellent customer service, ensuring prompt assistance and hassle-free claims processing.

Best For Add-ons
4.7 | fourhalf_star Excellent
$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Offers flexible plans and a wide range of optional add-on coverages
  • 60-day workmanship guarantee on repairs
  • 24/7 customer service availability

Cons

  • Higher premiums compared to some competitors

Plans, Cost & Coverage

Liberty Home Guard offers four plans – Appliance Guard, Systems Guard, and Total Home Guard. Here’s an overview of Liberty Home Guard’s plans, cost, and coverage:

 

Appliance Guard

Systems Guard

Total Home Guard

Under 5,000 sq. ft.

$49.99

$54.99

$59.99

Over 5,000 sq. ft.

$63.99

$69.99

$75.99

Appliance Guard

  • Covers major home appliances such as refrigerators, dishwashers, ovens, washers, dryers, and more
  • Protects nine home appliances, with pricing starting at $49.99

Systems Guard

  • Focuses on essential home systems like HVAC, electrical, plumbing, and water heaters
  • Combines coverage for both appliances and home systems
  • Offers repair or replacement coverage over the parts and components of 6 major home systems

Total Home Guard

  • Combines coverage for both appliances and home systems
  • Offers comprehensive protection for a wide range of items in your home, including major appliances and essential systems
  • Provides enhanced peace of mind by ensuring comprehensive coverage for your entire home

Why We Picked It?

Liberty Home Guard stands out for its comprehensive coverage plans, safeguarding major home appliances and essential systems. It’s an ideal option for homeowners who seek customization, prioritize top-notch customer service, and value the peace of mind offered by robust workmanship guarantees.

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Covers damage due to unknown pre-existing conditions
  • Vast network of skilled contractors and service technicians
  • Round-the-clock customer support for assistance

Cons

  • Limited additional coverage options

Plans, Cost & Coverage

American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. Each plan offers varying levels of coverage for essential home systems and appliances. The company offers two choices of deductibles: $100 and $125, based on which plan rates differ. 

 

ShieldSilver

ShieldGold

ShieldPlatinum

Cost at $125 Service Call Fee

$39.99

$59.99

$89.99

Cost at $100 Service Call Fee

$29.99

$49.99

$79.99

ShieldSilver

  • Offers basic coverage for 14 major home systems, including heating, cooling, plumbing, and electrical
  • Ideal for homeowners looking for budget-friendly coverage for essential systems

ShieldGold

  • Expanded coverage includes all items covered under ShieldSilver, with the addition of kitchen and laundry appliances
  • Moderate monthly premium offering a balance between coverage and cost

ShieldPlatinum

  • Covers all items in ShieldSilver and ShieldGold, and roof leak repair
  • Extensive coverage for high-cost repairs and replacements
  • Premium plan offering the most comprehensive protection against a wide range of potential issues

Why We Picked It?

American Home Shield offers a range of plans that provide comprehensive coverage for various home systems and appliances. Whether it’s HVAC, plumbing, electrical, or kitchen appliances, AHS aims to protect homeowners against unexpected repair costs.

Best For Utility Lines Coverage
4.7 | fourhalf_star Excellent

Monthly Cost

$51 - $62

Service Fee

$65 - $125

Response Time

24 to 48 hours

Pros & Cons

Pros

  • No Home Inspection Required
  • Offer 13 months of coverage on annual plans
  • Provides 90 days parts recall and 30 days labor recall

Cons

  • Service call fees can be on the higher side compared to some competitors

Plans, Cost & Coverage

The Home Service Club offers two plans: Standard Coverage and Comprehensive Coverage Plans. The cost and coverage details for each plan may vary depending on factors such as the size and location of the home and any optional add-ons or upgrades selected by the homeowner. 

 

Standard Coverage Plan

Comprehensive Coverage Plan

Cost/Monthly

$51.25

$62.50

Cost/Annually

$584.96

$719.96

Standard Coverage Plan

  • Protects 18 essential systems & appliances in your home, with add-ons
  • Covers basic repairs and replacements of covered systems 
  • Prompt response and resolution for covered repair issues

Comprehensive Coverage Plan

  • Provides coverage to 33 covered systems and appliances, with add-ons
  • Dedicated customer support for assistance with claims processing, troubleshooting, and general inquiries

Why We Picked It?

The Home Service Club is a popular choice for homeowners because of its comprehensive coverage, lack of age restrictions, no home inspection requirement, 24/7 customer service, and flexibility in choosing service technicians.

Best For Services at $0 deductible
4.6 | fourhalf_star Excellent

Monthly Cost

$49 - $79

Service Fee

No Service Fee

Response Time

up to 48 hours

Pros & Cons

Pros

  • No deductible or service call fee
  • Preventive maintenance check is available
  • Covers unknown pre-existing conditions

Cons

  • Lower coverage limit

Plans, Cost & Coverage

Complete Protection Home Warranty offers four plans: Essential, Advanced, Comprehensive, and Ultimate. This comprehensive selection empowers you to select the optimal level of protection that aligns perfectly with your property’s budgetary requirements and specific needs.

Plan

Essential

Advanced

Comprehensive

Ultimate

Cost

$49

$59

$69

$79

Essential Plan

  • Covers eight common household items like dishwashers, microwaves, and electrical systems
  • Ideal for budget-conscious homeowners with basic coverage needs

Advanced Plan

  • Mid-range option for those seeking more than basic coverage but not requiring the highest level of protection
  • Include coverage for additional items such as refrigerators, washers, and dryers
  • Provides free preventative maintenance check

Comprehensive Plan

  • Provides substantial coverage for 15 essential appliances and major systems
  • Includes plumbing, electrical, heating, and air conditioning (HVAC) breakdowns
  • Provides coverage for all items included in the previous plans, as well as four additional essential appliances

Ultimate Plan

  • Premium-level coverage with the highest level of protection
  • Tailored for homeowners seeking the utmost coverage, including protection for an additional six items

Why We Picked It?

Complete Protection Home Warranty can be a good choice for homeowners who want a warranty with no deductible or service call fees. Their extensive network of qualified technicians also facilitates a streamlined claims process, reducing homeowner burden during unexpected breakdowns.

Is Home Warranty Plans Beneficial For Idaho Homeowners?

Here's how Home Warranty Plans can benefit Idaho residents:

  • Idaho's mountainous terrain and diverse climate can be tough on homes.  Home warranties ease worries about repairs to essential climate control systems, keeping you comfortable year-round.
  • Even in the most scenic Idaho locations, appliances can break down unexpectedly. Home warranties can cover repairs or replacements for covered items, saving you the financial burden of full repair costs.
  • Idaho experiences all four seasons, with hot summers and cold winters.  Home warranty plans typically come with a fixed monthly or annual fee, allowing you to budget for repairs proactively instead of facing unpredictable and potentially high bills for heating or cooling system repairs during extreme weather.
  • Many home warranty companies have a network of qualified technicians to ensure your appliances and systems are repaired by licensed professionals, giving you peace of mind about the quality of repairs.
  • With freeze-thaw cycles and occasional heavy snowfall, some plans might offer robust roof leak coverage or the option to add it on for peace of mind.
  • If your Idaho home relies on a well for water, consider plans with well pump coverage for additional protection.
  • A home warranty can be an attractive selling point for potential buyers,  potentially increasing the appeal of your Idaho property.

How Much Does An Idaho Home Warranty Cost?

Here's a general cost range for home warranties in Idaho:

Average Annual Cost

$350 - $1,068

Average Monthly Cost

$29 - $89

Average Service Fee (Deductible)

$75 - $125

Here in Idaho, the actual cost of a home warranty will vary depending on several factors, including:

  • Service Charges In Remote Areas Of Idaho: If your Idaho home is nestled in the mountains or far from urban centers, expect potentially higher service call fees. Technicians might have to travel farther for repairs.
  • Bigger Home, Bigger Price Tag: The more square footage and systems you have in your Idaho home, the more a warranty will likely cost. More appliances and features mean more potential repairs to cover.
  • Older Homes May Cost More: Older Idaho homes, especially those with original plumbing or electrical systems, might be viewed as riskier by warranty providers due to the potential for needing repairs. This can lead to a higher cost of coverage.
  • Well Water Worries: If your Idaho home relies on a well, expect to pay more for a warranty that includes well pump coverage compared to plans without it.
  • Snow & Roof Risks:  Idaho's snowy winters can be tough on roofs.  Warranty plans with strong roof leak coverage or adding it on might cost more.  Similarly, some plans offer add-on coverage for appliance breakdowns caused by snow removal, which can increase the overall cost.
  • Competition In The Gem State: The number of home warranty companies operating in Idaho can influence pricing. With more competition, you might find better deals. Research available providers and compare plans carefully to find the best value for your location and needs.

Home Warranty Coverage In Idaho

By understanding the general coverage, standard exclusions, and additional considerations, you can decide whether a home warranty is proper for you as an Idaho homeowner.

General Coverage Of Idaho Home Warranty

  • HVAC Systems Idaho demands a reliable climate control system for scorching summers and frigid winters. Your warranty can cover repairs for your furnace, air conditioner, heat pump, and ductwork, ensuring year-round comfort in your mountain retreat or urban haven.
  • Plumbing Systems Protect against leaks, clogs, and malfunctions in pipes, faucets, toilets, and other plumbing fixtures. This is crucial for both homes nestled in the mountains with potentially complex plumbing systems and those on flat lands.
  • Electrical Systems This covers repairs for wiring, outlets, switches, and breaker panels, ensuring the safety and functionality of your electrical system. This is particularly important in older Idaho homes with outdated electrical systems.
  • Major Appliances Protects against unexpected breakdowns of essential appliances like refrigerators (a must for keeping fresh catches from local rivers!), 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.
  • Well Pump Coverage Many Idaho homes, especially rural ones, rely on private wells. Consider plans with well pump coverage or adding it on for additional protection.
  • Roof Leak Protection Idaho’s freeze-thaw cycles and occasional heavy snowfall can lead to roof leaks. For peace of mind, consider plans with robust roof leak coverage or the option to add it on.
  • Snow Removal Mishap Coverage Some plans might offer add-on coverage for appliance breakdowns caused by snow removal accidents, a potential concern during harsh winters.

Common Exclusions

  • Pre-existing conditions Existing issues with appliances or systems before coverage starts are typically excluded.
  • Cosmetic damage Plans generally don’t cover cosmetic repairs or replacements.
  • Specific events Damages caused by natural disasters, earthquakes, power surges, or improper use are often excluded.

Here Are Some Additional Points To Consider

  • Review plan details thoroughly Carefully read the fine print of each plan to understand its specific inclusions, exclusions, coverage limits, service fees (deductibles), and waiting periods.
  • Choose a reputable company Research and select a well-established company with a proven track record of customer service and claim resolution.
  • Compare quotes Obtain quotes from multiple companies to compare coverage, pricing, and service offerings before deciding.
  • Consider your needs and budget Evaluate your specific needs and budget to determine if a home warranty plan aligns with your financial situation and offers valuable coverage for your home.

Who Regulates Home Warranty Companies In Idaho?

While the Idaho Department of Insurance does not directly regulate home warranty companies in Idaho, there are a few resources and considerations to keep in mind:

  • Idaho Office of the Attorney General Provides consumer protection information and handles complaints about deceptive practices or unfair treatment by home warranty companies.
  • Idaho Department of Insurance While not regulating home warranties, the Idaho Department of Insurance offers guidance on insurance aspects and Idaho's legal framework for these plans.

Final Word

Conquer Idaho's unpredictable weather and appliance woes! Explore our in-depth reviews to find the perfect home warranty for your Gem State haven. Remember to compare plans, ask questions, and enjoy worry-free mountain living (or city comfort) with valuable protection in place.

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Idaho?

A.

Idaho’s colder climate contributes to frequent heating system issues, including furnace malfunctions or thermostat problems. Refrigerator repairs often involve addressing temperature control challenges influenced by seasonal variations. Additionally, dishwashers may require attention for problems such as clogged filters or malfunctioning pumps.

Is Landmark Home Warranty Available In Idaho?

A.

Yes, Landmark Home Warranty provides its services in Idaho.

Are Home Warranty Plans Worth It In Idaho?

A.

Home warranty plans offer significant value in Idaho, delivering financial security and assurance to homeowners. With coverage for crucial home systems and appliances, these plans prove particularly beneficial in addressing potential repair or replacement costs, making them a worthwhile investment in Idaho’s varied climate.

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