Home Warranty

7 best home warranty companies in Lakeside, Florida

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 Lakeside. 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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Lakeside, FL

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Home warranties provide a financial buffer to fix or replace appliances that suddenly fail. For a monthly fee, these policies insure items such as AC units and refrigerators when they malfunction with regular wear and tear.

Many key home systems break down before hitting the 10 to 15-year mark. HVAC systems typically last just seven to 25 years. The normal lifespan for water heaters is only six to 12 years, and most major appliances today go kaput in under 20 years, say the experts at the International Association of Certified Home Inspectors.

If your Lakeside home contains aging dishwashers, furnaces or the like, you'll likely encounter a surprise breakdown. These leading home warranty firms provide robust coverage at fair prices.

Lakeside's extremely hot summers make an air conditioner failure pricy and even dangerous. You can have extra peace of mind with a home warranty that has major appliance and system coverage. The national providers below carry top plans and perks.

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 Lakeside

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

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 has three coverage plans with flexible service call fees and perks like appliance color matching. The company also has an "Even If" guarantee that refunds your service call fees if your covered item can't be fixed or replaced.

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 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

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

Founded in 1971, American Home Shield was one of the country's first home warranty companies. Today, it offers three coverage plans and six supplementary 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 plans have low premiums, and each one includes coverage for roof leaks.

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 Lakeside

The average cost of a home warranty in Lakeside is on par with the national average, ranging from $40.91 to $77.05 per month. If you prefer to pay an annual premium, expect to pay between $563.62 and $927.43 per year. To calculate national averages, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties protect various home appliances and major systems, but they're not a substitute for homeowners insurance. Below, we'll summarize what's generally covered in a home warranty and what isn't.

What are the typical items covered under a home warranty?

Clothes dryers
Cooktops
Refrigerators
Built-in microwaves
Washing machines
Dishwashers

The first category of items home warranties protect is kitchen and living appliances. This category includes the following: Major systems form the second category of covered items. The specific definition of what a "major system" is will vary between different plans. However, most include the following:

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. A common exclusion is breakdowns caused by damage outside of normal wear and tear. For example, home warranties will likely not cover an air conditioner breakdown caused by a dirty air filter. This is because replacing the filter is part of routine maintenance.

Improper system or appliance installation
Rust or corrosion damage
Acts of nature
Preexisting conditions
Hazardous waste
Cosmetic damage

Questions to ask home warranty providers in Lakeside

Before purchasing a home warranty coverage plan, we recommend asking providers the following questions.

What items are covered by my policy?

Assess your coverage requirements before requesting a quote from a home warranty provider. Once you've determined what items require 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. Also, many home warranty companies offer optional coverage, such as for swimming pools or spas. Consider purchasing add-ons if you need protection for specific items.

How long is my home warranty good for?

Generally, home warranty contracts are active for one year after the coverage effective date, which is 30 days after the initial sign-up date. Companies have this 30-day waiting period to prevent customers from filing claims for preexisting conditions. You can get coverage beyond 12 months with a multiyear plan.

What contractors do you work with?

When you're researching home warranty companies, be sure to ask about which service contractors they use. Each repair team must follow specific licensing requirements and standards to get repair approval from the warranty company. If there are no partner contractors in your area, the warranty terms might allow you to pick your own repair company. You can verify a contractor's license by searching the Florida Department of Business & Professional Regulation database.

How does your claims approval process work?

Knowing more about the home warranty company's claims process can improve your chances of getting a claim approved. Most companies accept claims through the web or via a 24/7 phone line. Once you file, the company will try to respond within one to two days. Filing outside normal business hours may lead to processing delays. Once the provider receives your claim, someone will review it and connect you with an in-network service provider. The contractor will book an appointment with you, diagnose the problem, and then request final approval from the home warranty provider before starting repairs.

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

If you need to move, most home warranty contracts include a clause permitting you to transfer the policy to the new homeowner. Some companies handle the transfer for free, though others will charge a transfer fee. Sellers can also purchase special home warranty plans that are readily transferable to prospective buyers. This is a straightforward way to make your home more attractive to your home in a competitive real estate market and offer the buyer additional peace of mind.

Home warranty contract fine print

Before you choose a home warranty, carefully read its terms and conditions to ensure they're aligned with your needs. As you read through the sample contract, pay attention to these key details and clauses:

Exclusions: Even if a system is covered under your home warranty, it could still have applicable exclusions for certain components. A sample contract should itemize these exclusions.
Workmanship guarantee: The workmanship guarantee is the period during which the home warranty company won't assess additional service call fees for a repair if an in-network technician has recently serviced the item. The industry standard is 30 days, although some companies offer longer workmanship guarantees.
Service call fee: Similar to 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.
Cancellation: You'll typically find the warranty company's cancellation policy inside their fine print. Depending on the company, if you cancel within the first 30 days of enrollment, you might receive a full refund of the entire premium.
Coverage limit: Each home warranty has a coverage limit that limits the total dollar amount that the company will pay per claim. There might also be an annual coverage limit or other stipulations.

Facts about Lakeside

Average High in July

90°F

Lakeside

83°F

National Average

Average Low in January

47°F

Lakeside

17°F

National Average

Average Daily Sunlight

75%

Lakeside

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 Lakeside, Florida

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