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Best Home Warranty Companies In ohio 2024

Ohio has a humid subcontinental climate with hot and humid summers and colder winters. These extreme temperature fluctuations can strain household items, and a home warranty helps avoid high maintenance costs (an average of $18,000!). We explore the best home warranty companies in Ohio to help you find the perfect warranty for you.

Our Picks: 5 Best Home Warranty Companies For ohio Residents

Look at the top home warranty companies we have shortlisted for you among various home warranty companies in Ohio.

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

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Best For Separate Coverage Options
4.7 | fourhalf_star Excellent
$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Best For Add-ons
4.7 | fourhalf_star Excellent

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

3 | three_star Good

Monthly Cost

$38 - $66

Service Fee

$100, $125, $150

Response Time

Same day

Is Home Warranty Plans Beneficial For Ohio Homeowners?

In this section, we'll review the most common reasons homeowners must consider a home warranty in Ohio.

  • Ohio faces a temperature between 22°F and 84°F, challenging the household items.
  • Overworking appliances/systems will increase energy costs. Moreover, problems with HVAC systems can occur due to extreme weather.
  • Roof leaks are common for Ohio residents because of the heavy rainfall. Ohio residents can consider a plan that offers roof leak coverage under basic coverage.
  • The average home maintenance cost in the state is $7,000 annually, which can be costly for middle-class homeowners. It can be difficult to keep aside such a large amount in case of unexpected household item failure. 
  • In areas like Canton, the temperature drops to -9° F, making it quite difficult for home appliances and systems to function. 
  • The humid temperatures make it a nightmare for household items to function at their best speed. Outdoor appliances such as garage door openers face the wrath of extreme heat and humidity. 
  • A home warranty in Ohio will help if any household item breaks down due to normal wear and tear.

How Much Does An Ohio Home Warranty Cost?

Here’s how much you can pay for an Ohio Home Warranty.

Average Annual Cost

$300 - $700

Average Monthly Cost

$29 - $89

Average Service Fee (Deductible)

$60 - $125

Factors Influencing The Cost Of The Home Warranty

  • Climate Considerations: Ohio experiences various weather conditions, from hot summers to cold winters. Homes in regions prone to extreme temperatures may require additional coverage for HVAC systems, impacting the overall cost.
  • Home Size & Age: Larger or older properties may require more extensive coverage, leading to higher home warranty costs.
  • Home Systems & Appliances: The types and number of systems and appliances covered under the home warranty plan can affect pricing. Additional coverage for pool equipment or well pumps may incur extra costs.

Home Warranty Coverage In Ohio

Here’s what you need to know about home warranty coverage in Ohio.

General Coverage Of Ohio Home Warranty

  • Basic Coverage A standard home warranty plan in Ohio typically covers major systems and appliances, including HVAC, electrical, plumbing, and kitchen appliances.
  • Optional Coverage Most home warranty companies in Ohio offer a list of items available for additional coverage. You can add these to your basic plan to enhance your coverage.

Common Exclusions

  • Pre-existing conditions Most home warranty plans do not cover such issues.
  • Acts of God Home warranty plans don’t cover damage caused by natural disasters like floods or earthquakes. Instead, these events are typically covered by home insurance companies.
  • Others Improper installation, maintenance, or misuse of covered items.

Here Are Some Additional Points To Consider

  • Additional Services Some home warranty providers in Ohio may offer additional services beyond basic coverage, such as coverage for roof leaks, pest control, or garage door repairs.
  • Extra Perks or Discounts Look for home warranty plans that offer extra perks or discounts, such as complimentary annual maintenance checks, discounts on appliance purchases, or referral bonuses for new customers.
  • Workmanship Guarantee Consider Ohio home warranty companies offering longer workmanship guarantees. This ensures that repairs are performed to a high standard and provides homeowners with peace of mind.
  • Emergency Services Check if the home warranty plan includes emergency services, such as 24/7 customer support and expedited repair service for urgent issues, to ensure prompt problem resolution.

Who regulates Home Warranty Companies In Ohio?

The agencies that protect your interests against home warranty companies in Ohio are:

  • Ohio Department of Insurance (ODI) While the ODI  does not directly regulate home warranty companies, its website offers valuable information for consumers considering a home warranty plan. This includes a consumer guide that explains home warranty basics and helps you understand what to ask potential providers.
  • Ohio Department of Commerce (ODC) The ODC  does not directly regulate home warranty companies. However, they  oversee licensing of independent adjusters who may work with home warranty companies  to settle claims. Additionally, the ODC  enforces the Ohio Consumer Sales Practices Act, which prohibits deceptive and unfair business practices. This means companies cannot mislead you in their advertising or during the sales process.
  • Ohio Attorney General's Office Home warranty contracts in Ohio fall under the state's Consumer Sales Practices Act (CSPA). The Attorney General's Office enforces the CSPA, prohibiting deceptive and unfair business practices. Companies cannot mislead you with advertising or engage in deceptive sales tactics.

Final Word

Home warranty coverage in Ohio can be valuable for homeowners looking to protect their property and budget from unexpected repairs. Understanding the terms and conditions of your Ohio home warranty plan can help you make an informed decision. Don't wait until a major home system breaks down—consider purchasing a home warranty today for peace of mind and added financial security.

Frequently Asked Questions (FAQs)

What Are The Most Common Home Repairs In Ohio?

A.

In Ohio, common home repairs are influenced by the state’s diverse climate and aging housing stock. Roof repairs are frequent due to weather variations, including snow. HVAC system maintenance is essential for both heating in winter and cooling in summer. 

Plumbing issues, such as leaks and frozen pipes, are common, and exterior maintenance, including painting and siding repairs, is often needed. Foundation repairs may also arise due to soil conditions.

How Can I Cut Costs While Shopping For Home Warranties In Ohio?

A.

To save money when shopping for home warranties in Ohio, consider comparing various providers to find the most cost-effective plans that align with your specific needs. Look for comprehensive coverage that addresses common repair concerns in Ohio’s climate, such as HVAC systems, plumbing, and appliances.

Pay attention to any available discounts, promotions, or bundled services that could reduce overall costs. Additionally, carefully review the terms and conditions to understand any service fees, deductibles, or coverage limitations that might impact your expenses over time.

Is A Home Warranty Worth It In Ohio?

A.

A home warranty can be worth it in Ohio, offering valuable protection against common repair issues influenced by the state’s climate and housing characteristics. With coverage for HVAC systems, plumbing, and appliances, a well-chosen home warranty gives Ohio homeowners peace of mind, helping manage unexpected repair costs and ensuring the longevity of essential home systems.

What Are Some Of The Most Common Home Warranty Exclusions In Ohio?

A.

Common home warranty exclusions in Ohio often include pre-existing conditions, inadequate maintenance, and certain types of appliances or systems. Pre-existing conditions or issues known before the warranty starts may not be covered. 

Inadequate maintenance, such as neglecting routine care or using appliances improperly, is typically excluded. Some warranties may also limit coverage to specific items like pools, sprinkler systems, or garage door openers.

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