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People love Ohio for its slower pace of life, top-tier universities, and distance away from the noise of the big coastal cities, but the state isn’t immune from the reach of bitter Midwestern winters. The best-maintained home systems and major appliances will inevitably experience breakdowns due to normal wear and tear. A home warranty offers comprehensive service to help you pay for the repair and replacement costs of your home systems and appliances, like your heating unit and oven.
We’ve reviewed more than 30 home warranty providers across the industry and narrowed our list to the best home warranty companies for Ohio homeowners. All pricing information used in this article is based on a single-family home smaller than 5,000 square feet in Indian Hill, Ohio. Continue reading to discover the best features of each provider.
The Top 5 Home Warranty Companies in Ohio
Here are the best home warranty companies for Ohio residents:
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard : Best Add-on Variety
- Select Home Warranty : Best for Cost-Effective Plans
- First American Home Warranty : Best for Home Systems Coverage
- America’s 1st Choice Home Club : Best Membership Perks
Compare Ohio’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|
Home Warranty Regulations in Ohio
The Ohio Department of Insurance (ODI) oversees home warranty regulation. Ohio Statute § 3905.423 requires companies selling service contracts to be licensed and registered with the state. The ODI provides an online form where you can file a complaint if you own a home warranty and believe your provider has neglected its contractual obligations.
In addition to government regulation, industry associations oversee home warranty companies. The National Home Service Contract Association (NHSCA) is an organization of member companies that follow a code of ethics. This code of ethics centers on keeping consumers’ best interests in mind. Arthur Chartrand, who is of counsel to the NHSCA, confirms that the organization communicates regularly with member companies’ management to uphold its policies.
The home warranty that works best for you will always depend on your home’s unique needs. Suppose you’re most focused on high coverage caps (the total amount a provider will pay for a covered item). In that case, American Home Shield’s no-limit coverage on built-in systems and coverage up to $6,000 per appliance is incredibly generous by industry standards.
If a long workmanship guarantee helps you rest easier, then AFC Home Club’s plan-length guarantee is unbeatable by any other provider on this list. If you want to have your pick from a long list of specialized add-ons, Liberty Home Guard may be the choice for you.
Before selecting a home warranty company in Ohio, we recommend requesting a quote from all of the providers on this list (or at least three), comparing the fine print, and asking clarifying questions when you speak to a sales representative. This initial research will help you avoid future misunderstandings and unexpectedly denied claims.
Frequently Asked Questions
How much does a home warranty in Ohio cost?
Our quotes for a home warranty on a single-family home in Indian Hill, Ohio, ranged from as low as $4.99 per month for HomeServe’s Gas Line Plus plan to as high as $80 for American Home Shield’s ShieldPlatinum Plan. Our research of 39 home warranty providers across the industry discovered that an average monthly fee falls between $39 and $63.
Are home warranties worth it?
Home warranties are worth it for many homeowners, especially if you’re a busy individual with a lot on your plate. Without a home warranty, every repair and replacement your home needs is your responsibility. If you don’t have the tools or skills to do it yourself, you’ll need to find a contractor to complete the repairs.It’s no secret that service providers can be of varying quality, and it can be time-consuming and laborious to vet the right one for your specific needs. With a home warranty, you can request service 24/7 by filing a claim and paying the service fee. From here, your provider will pair you with a local and licensed technician to diagnose and repair your covered item as needed.
How long does a home warranty last?
A home warranty plan is typically valid for one year from the purchase date, but you can renew it annually at the end of your policy. Some providers, like AFC Home Club, offer three-year plans.
Who should pay for a home warranty?
In some cases, homebuyers may ask a seller to include a home warranty as a vote of confidence when purchasing a new home. In other cases, a homeowner may purchase a plan after making home improvements, such as installing a new sump pump or upgrading a septic tank. You can choose to pay for a home warranty as a lump sum at the start of your plan or you can pay a monthly fee spread out over the plan term.
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.