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Like many midwestern states, Nebraska experiences hot summers and freezing winters. As such, Nebraska’s homeowners’ systems and appliances can break down due to constant use in these conditions. To reduce the likelihood of an inconvenient breakdown, consider purchasing a home warranty. Our team conducted an in-depth analysis of the best home warranty companies nationwide. From there, we chose the top companies in Nebraska.
The Top 5 Home Warranty Companies in Nebraska
Before choosing our top recommendations, our team reviewed each provider’s coverage plans, add-on options, service call fees, and consumer reviews. We also called each provider to get a feel for the customer service experience. Based on our research, here are the top five Nebraska home warranty companies:
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard : Best Add-on Variety
- Select Home Warranty : Best for Cost-Effective Plans
- America’s 1st Choice Home Club : Best Membership Perks
- Cinch Home Services : Best Coverage Variety
The cost figure in this article is a national average based on 120 sample quotes we requested. We used a 2,000-square-foot, single-family home for our quotes. Your cost may vary based on your coverage and your home’s size, type, and location.
Compare Nebraska’s Top Home Warranty Companies
|Star Rating||Monthly Cost||Service Fee||BBB Rating||Link|
|American Home Shield||$65–$76||$100–$125||B||VISIT SITE|
|Liberty Home Guard||$49-$60||$65–$125||A+||VISIT SITE|
|Select Home Warranty||$44–$48||$65–$75||B-||VISIT SITE|
|First American Home Warranty||$59–$77||$75–$125||B||VISIT SITE|
|American Home Shield|
|Liberty Home Guard|
|Select Home Warranty|
American Home Shield
Get a quick quote: Visit American Home Shield’s site
Read more: American Home Shield Review
Liberty Home Guard
Get a quick quote: Visit Liberty Home Guard’s site
Read more: Liberty Home Guard Review
Select Home Warranty
Get a quick quote: Visit Select Home Warranty’s site
Read more: Select Home Warranty Review
America’s 1st Choice Home Club
Get a quick quote: Visit America’s 1st Choice Home Club’s site
Read more: America’s 1st Choice Home Club Review
Cinch Home Services
Get a quick quote: Visit Cinch Home Services’ site
Read more: Cinch Home Services Review
Home Warranty Regulations in Nebraska
Our research found that Nebraska doesn’t have a clear governmental body overseeing home warranties. Since it doesn’t classify home warranties as insurance, the state recommends contacting the Attorney General’s Office if you need to file a complaint.
Another option is to contact industry associations such as the National Home Service Contract Association (NHSCA). According to Arthur Chartrand, of counsel to the NHSCA, you can file a complaint directly with the organization if your provider is a member company. The NHSCA then forwards your complaint directly to your provider’s upper management. This helps expedite the resolution of your complaint.
Do Home Warranties Cover Sewer Lines?
In addition to home appliance and system coverage, home warranties cover your home’s sewer lines. Most providers include sewer line coverage within plumbing coverage. Providers often cover the following common sewer line incidents:
- Access to your home’s main, sewer, or water lines (as long they are within 100 feet of your home)
- Mainline blockages or clogs
- Water line breaks or leaks
It’s important to know common exclusions in sewer line coverage:
- Blockages or clogs caused by frozen pipes or tree root damage
- Damage found outside your home’s main foundation
- Rust, corrosion, or sediment damage
We recommend reading your provider’s service contract to understand the extent of sewer line coverage you have.
A home warranty is a smart way to protect your Nebraska home’s essential systems and appliances. You’ll have peace of mind knowing your home warranty company will send reputable service providers directly to your home. Our team recommends American Home Shield due to its $5,000 coverage limit on HVAC systems. Liberty Home Guard is another solid option for those who need unique coverage. Our final recommendation is Select Home Warranty. Select allows you to choose a service provider you’ve worked with before.
Before choosing a home warranty, we suggest requesting quotes from three providers to compare coverage plans and costs.
Nebraska Home Warranty Companies FAQ
Should I file a home warranty claim over the phone or online?
You can file a home warranty claim over the phone or online, depending on how you prefer to contact your provider. However, we recommend calling your provider to file a claim. Doing so allows you to communicate your issue easily and ask follow-up questions about the claims process.
What should I look for when buying a home warranty?
When buying a home warranty, you should look for three main factors: cost, coverage options, and exclusions. Every homeowner’s situation is different. Consider your budget, coverage needs, and any notable coverage exclusions before selecting a home warranty provider.
What is the difference between homeowners insurance regulation and home warranty regulation?
The biggest difference between homeowners insurance and home warranty regulation is that the homeowners industry is much more tightly regulated. Homeowners insurance companies must obtain a license from the National Association of Insurance Commissioners (NAIC) and the Federal Insurance Office, plus any required licenses in the state in which it does business. On the other hand, only some states require home warranty companies to be licensed, and home warranties don’t need licensing at the federal level.
Does a home warranty cover wear and tear?
Yes, home warranties cover the wear and tear of your built-in systems and appliances. Over time, those systems and appliances fail due to age and use, leading to costly repairs. Having a home warranty can take financial stress off your shoulders when breakdowns occur.
How We Chose the Top Home Warranty Providers
Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.
We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.