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6 best home warranty companies in Canyon Lake, Texas

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

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Consider a home warranty to financially protect your home's essential items. These policies cover the replacement or repair of typical household systems and appliances, like air conditioners and refrigerators, for a monthly fee.

Many crucial home components start having issues before hitting the 10 to 15-year mark, according to the International Association of Certified Home Inspectors. HVAC systems typically operate for just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today fail after about 20 years.

If your Canyon Lake home contains aging dishwashers, furnaces or the like, you'll likely encounter an untimely breakdown. These best home warranty firms offer robust coverage at a fair price.

With the scorching summer heat in Texas, air conditioner breakdowns in Canyon Lake are that much more taxing for homeowners. A home warranty from one of the national providers listed below will give you an easy and economical path to the future repairs you might need.

Our Top Pick
Provider logo
4.5
Our Rating
  • Extends 60-day workmanship guarantee
  • Holds high customer ratings
  • Offers customization with 38 add-ons
Explore Plans
Provider logo
4.4
Our Rating
  • Covers rust and corrosion damage
  • Offers comprehensive coverage limits
  • Provides flexible service fees
$150 Off Any Plan
Explore Plans
Provider logo
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 Canyon Lake

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

2-10 Home Buyers Warranty

2-10 Home Buyers Warranty

4.5/5

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

Liberty Home Guard

4.6/5

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers 38 different coverage add-ons – the most of any home warranty company we researched. Each covered repair also comes with a 60-day workmanship guarantee.

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
American Home Shield

American Home Shield

4.4/5

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

First American Home Warranty

4.2/5

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

Cinch Home Services

4.3/5

Average monthly costs: $38.99 - $66.99

Cinch is known for offering unique perks such as homeowners insurance deductible reumbursement and adjustable service fees and premiums.

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

Select Home Warranty

3.9/5

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 Canyon Lake

You'll usually pay $41-$70 per month for a home warranty in Canyon Lake, in line with the national average. Opting for annual payments means paying anywhere between $563.62-$927.48 for the year. To find the average home warranty plan cost, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties cover various appliances and major systems, but they're not a substitute for homeowners insurance. Below, we'll summarize what coverage a warranty typically includes and excludes.

What are the typical items covered under a home warranty?

  • Clothes dryers
  • Dishwashers
  • Refrigerators
  • Washing machines
  • Cooktops
  • Built-in microwaves

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

  • Electrical
  • HVAC
  • Central vacuum
  • Water heater
  • Plumbing

What items are typically not covered under a home warranty?

As with many other service contracts, home warranties won't cover certain components or appliances. These are called exclusions. One common exclusion is breakdowns caused by damage outside normal wear and tear. For example, the warranty would probably not cover an air conditioner that stopped working because of a dirty air filter, since replacing the filter is a part of routine maintenance.

    Additionally, home warranties won't cover the following:
  • Improper system or appliance installation
  • Hazardous waste
  • Preexisting conditions
  • Rust or corrosion damage
  • Acts of nature
  • Cosmetic damage

Questions to ask home warranty providers in Canyon Lake

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

What items would my policy cover?

Before asking a home warranty company for a quote, write down the specific systems and appliances that you need covered. Then, verify the company has plans meeting your needs. Some companies separate appliance and system coverage into different plans. Also, many home warranty companies offer optional coverage, such as for central vacuum or sump pumps. Consider purchasing add-ons if you need protection for specific items.

How long is my home warranty good for?

Generally, home warranty contracts last for one year after the coverage effective date, which is 30 days after the initial sign-up date. Companies require this 30-day waiting period to stop customers from filing claims for preexisting conditions. You may extend the 12-month policy term by purchasing a multiyear plan.

What contractors do you work with?

When researching a home warranty company, ask which service contractors it partners with in your area. Many home warranty companies allow you to choose your own local contractor if they don’t have an in-network provider near you. The contractor must be licensed and registered in Canyon Lake to get repair approval from the home warranty provider. You can verify a contractor's license by searching your local or county government database.

How does your claims approval process work?

Knowledge of your warranty company's claim process makes all the difference between an approval and a denial. If you're facing a covered issue, you can usually file a claim over the phone or online. While most claims should have a 24 to 48-hour response time, there might be delays if you file outside standard business hours. After you file your claim, a staff member will review it and connect you with an in-network repair contractor. The contractor's team will schedule a meeting with you to examine the appliance and diagnose the problem. Once the company grants final approval, the contractor can begin the repair work.

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

Most home warranty companies will let you transfer your policy to a new homeowner if you need to move. Sometimes, transfers will be free, and other times, the company will levy a transfer fee for the service. Home warranty coverage can be reassuring to new homebuyers. Some companies offer sellers special coverage plans that are readily transferable to buyers.

Home warranty contract fine print

To complete your research, we recommend reading the home warranty provider’s fine print and sample contract prior to 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 be a better advocate for yourself if you need to file a claim. Below are several terms you should look for while reviewing the contract:

  • Workmanship guarantee: The workmanship guarantee is the period during which the home warranty company won't charge an additional service call fee for a repair if an in-network technician has recently tried to fix the item. The industry standard is 30 days, although some companies offer longer workmanship guarantees.
  • Coverage limit: Your home warranty's coverage limit is the cap on how much the company can pay per claim. A warranty contract could also have other stipulations, like annual coverage limits.
  • Service call fee: The service call fee is how much you'll pay the home warranty company or service provider each time you file a claim. Fees typically range from $75–$125 per claim.
  • Exclusions: Be sure to learn more regarding component-specific exclusions in the home warranty company's sample contracts. Some parts of equipment might be excluded even if the appliance itself is usually covered under the policy.
  • Cancellation: A home warranty contract should include information on how to cancel your policy and get a refund. If you cancel within the first 30 days of signup, many companies will offer a complete refund of your annual premium.

Facts about Canyon Lake

Average High in July
95°F
Canyon Lake
83°F
National Average
Average Low in January
43°F
Canyon Lake
17°F
National Average
Average Daily Sunlight
74%
Canyon Lake
69%
National Average
Our Top Pick
Provider logo
4.5
Our Rating
  • Extends 60-day workmanship guarantee
  • Holds high customer ratings
  • Offers customization with 38 add-ons
Explore Plans
Provider logo
4.4
Our Rating
  • Covers rust and corrosion damage
  • Offers comprehensive coverage limits
  • Provides flexible service fees
$150 Off Any Plan
Explore Plans
Provider logo
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.

Contact us at feedback@homefront.usatoday.com if you have questions or feedback on this article

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

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