Home Warranty

7 best home warranty companies in Beavercreek, Ohio

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 7 home warranty companies that operate within 50 miles of Beavercreek. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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You might be considering a home warranty to safeguard important home systems and appliances. For a monthly fee, these policies cover repair and replacement costs when items like AC units and refrigerators break down from normal wear and tear.

Many essential home components won't last over 10–15 years before needing service, according to the International Association of Certified Home Inspectors. HVAC systems typically operate for seven to 25 years. Water heaters tend to last just six to 12 years on average, and most major appliances go kaput in under 20 years.

If your Beavercreek home contains aging furnaces, dishwashers or other appliances, you'll probably encounter a surprise failure. These top-rated home warranty firms provide robust coverage at fair prices.

A standard homeowners insurance policy doesn't cover normal appliance wear and tear. With supplementary coverage from one of these home warranty providers, you'll have additional peace of mind in case of a surprise breakdown.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Beavercreek

Here's our list of the best home warranty companies in Beavercreek:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 offers flexible service fees and perks like an appliance color-match program. Through its "Even If" guarantee, it also refunds service fees if repairing or replacing a covered item isn't possible.

What we like

Offers a $25,000 annual coverage cap
Pairs plans with a plan-length workmanship guarantee
Offers unique perks such as color matching appliance replacements

What we don't like

Charges a monthly processing fee if you choose monthly premiums
Excludes washer and dryer coverage from most plans

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers the largest number of optional add-ons compared to any provider in this article — 38 in total. It also has plans featuring a 60-day workmanship guarantee on completed repairs.

What we like

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

Lacks transparency on service call fee pricing
Excludes coverage for known or unknown pre-existing conditions

Elite Home Warranty

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite lets you fully customize a plan for your exact coverage needs. It also provides an exceptionally long 90-day workmanship guarantee.

What we like

Allows you to choose your technician
Extends a 90-day workmanship guarantee
Offers more than 25 add-ons

What we don't like

Charges higher service fees for high-end appliances
Doesn't provide an online quote
Limits repair and replacement coverage caps for older items

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

Doesn’t let customers choose their own technician
Offers limited add-on options

First American Home Warranty

4.2/5

EXPLORE PLANS

Average monthly costs: $47.00 - $87.00

First American provides generous appliance coverage maximums in every plan. If you add the First American Advantage upgrade, miscellaneous items like appliance knobs and dials could also get protection.

What we like

Allows you to choose your service call fee
Doesn’t have a coverage cap on heating, cooling, or ductwork
Accepts 24/7 service calls
Offers replacement of some covered items that are too damaged to repair

What we don't like

Doesn’t let customers choose their own contractor
Charges higher for coverage compared to other providers

Cinch Home Services

4.3/5

EXPLORE PLANS

Average monthly costs: $38.99 - $66.99

Cinch Home Services provides coverage perks other companies don’t, such as a homeowners insurance deductible reimbursement. Like most home warranty companies, Cinch offers flexible service fees that raise or lower your plan premium.

What we like

Offers home insurance deductible of $500
Extends a long 180-day workmanship guarantee
Provides generous $10,000 aggregate coverage limit

What we don't like

Charges high service fees of $100-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Select Home Warranty pairs all plans with roof-leak repair coverage. It also charges low plan premiums.

What we like

Provides low service fees compared to other home warranty providers
Includes two extra months of coverage in annual signup
Has an appliance-only, systems-only, and combo plan option

What we don't like

Has a $75 cancellation fee
Low coverage caps

Cost of a home warranty in Beavercreek

The cost of a home warranty is around the same as the national average, and it largely depends on how frequently you choose to make payments. The national average is around $40.91 to $77.05 per month, or $563.62 to $927.43 per year. We calculated the average by requesting hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties protect a variety of major systems and home appliances. We'll present a general overview of the two main coverage categories.

What are the typical items covered under a home warranty?

Dishwashers
Refrigerators
Clothes dryers
Washing machines
Cooktops
Built-in microwaves

Major appliances form the first category of items that home warranties cover. This includes the following items: When you purchase a home warranty, you're also getting coverage for major home systems. While different plans have unique coverage scopes for this category, the following systems may be included:

HVAC
Water heater
Electrical
Plumbing
Central vacuum

What items are typically not covered under a home warranty?

Just like other service contracts, home warranties do not cover certain items or events. These are referred to as exclusions. Generally, home warranties don't cover item breakdowns caused by damage outside of normal wear and tear. For example, if your air conditioner malfunctions due to a dirty air filter, home warranty companies probably won't cover the repairs since air filter replacement falls under routine maintenance. Home warranties also don't cover improper system or appliance installation, rust or corrosion damage, hazardous waste, acts of nature, preexisting conditions and cosmetic damage.

Questions to ask home warranty providers in Beavercreek

Ask each home warranty provider these questions before you purchase a plan.

What items are covered by my policy?

Assess your coverage requirements before requesting a quote from a home warranty company. Once you've determined what items need coverage, verify that the provider includes them in its packages. Some companies separate systems and appliance coverage into different plans, so ensure you select the right one. Many companies also sell optional add-ons, covering things like wells and lawn sprinkler systems. Consider whether any add-ons fit your situation.

How long is my home warranty good for?

Generally, a home warranty plan lasts for 12 months from the coverage effective date, which is 30 days after the initial sign-up date. Home warranty companies put in a 30-day waiting period to deter customers from filing claims for preexisting conditions. Purchasing a multiyear plan extends protection beyond the standard 12-month term.

What contractors do you work with?

Ask potential home warranty companies about their network of local service contractors. A contractor must have the proper local and state licensing to access the company's network. If there are no in-network contractors near you, the warranty company may let you choose your own. You can verify a contractor's license by searching the Ohio Construction Industry Licensing Board database.

How does your claims approval process work?

Understanding the way a company’s claims process works can be the difference between claim approval and denial. Home warranty providers typically accept claims via an online portal or a round-the-clock support line. Typical response times are within one to two days of filing, though there may be processing delays if you file a claim outside normal business hours. Once you submit your claim, the warranty company will review it and connect you to an in-network service contractor. The contractor will set up an appointment to diagnose the problem, and then get final approval from the warranty company for any necessary repairs.

Can I transfer my policy to the next owner of my home?

If you're selling your home, you may be able to transfer your policy to the new homeowner. Some companies oversee the transfer without cost, while others charge a transfer fee. Home warranty coverage can be reassuring to new homebuyers. Some companies offer sellers special coverage plans that are easily transferred to buyers.

Home warranty contract fine print

To finalize your research, we recommend reading the home warranty provider’s detailed terms and sample contract before purchasing a plan. Knowing the company’s terms and conditions can help you determine whether it’s the right one for your needs. It'll also help you stand up for your rights if you need to file a claim. Below are several terms you should search for while reviewing the contract:

Exclusions: Pay special attention to the exclusions a provider lists in its fine print. For example, most home warranty sample contracts specify component exclusions for each item under coverage.
Service call fee: Just like copays at the doctor or pharmacy, you'll have to pay a service call fee each time you file a home warranty claim. Many providers have fees between $75 and $125 per claim.
Workmanship guarantee: Workmanship guarantees temporarily protect you from additional service call fees if an in-network technician failed to completely fix a covered issue. Most guarantees are 30 days long, but some companies offer longer periods.
Coverage limit: Each home warranty has a coverage limit that establishes how much a company will cover per individual claim. Warranty contracts could also have annual coverage limits.
Cancellation: Each home warranty company has a cancellation policy in its fine print. Many companies will refund your annual premium in full if you cancel within the first 30 days of enrollment.

Facts about Beavercreek

Average High in July

82°F

Beavercreek

83°F

National Average

Average Low in January

21°F

Beavercreek

17°F

National Average

Average Daily Sunlight

62%

Beavercreek

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

7 best home warranty companies in Beavercreek, Ohio

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