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6 best home warranty companies in Little Elm, Texas

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

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A home warranty provides financial protection if a major home system or appliance suddenly breaks down. For a monthly fee, the warranty company covers repair and replacement costs for items such as HVAC units and refrigerators when they break down from normal wear.

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 malfunction after just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today fail after about 20 years.

If your Little Elm home has a dishwasher, furnace or any other everyday appliance within that age range, you will likely experience an untimely breakdown. The three home warranty companies listed below offer generous coverage at affordable rates.

Appliance breakdowns due to normal wear and tear aren't covered under homeowners insurance, so having a home warranty can provide you an additional cushion against the unforeseen. We've done the research to pinpoint what home warranty providers have the best major appliance and system coverage.

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 Little Elm

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

2-10 Home Buyers Warranty

2-10 Home Buyers Warranty

4.5/5

Average monthly costs: $22.00 - $80.00

2-10 Home Buyers Warranty pairs its three coverage plans with flexible service call fees. It also offers coverage perks, including an appliance color-match program and an "Even If" service fee guarantee. With this guarantee, 2-10 will refund your service call fee 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

Liberty Home Guard

4.6/5

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
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 has some unique home warranty offerings and coverage perks, including homeowners insurance deductible reimbursement. Just like many other companies, it also offers flexible service fees that give you a greater say in your 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

Select Home Warranty

3.9/5

Average monthly costs: $44.42 - $47.75

Roof leak repair coverage is a rare perk that Select offers to its customers. It's also a good company to keep on your shortlist if affordable premiums are your top priority.

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 Little Elm

You'll typically pay $41-$70 per month for a home warranty in Little Elm, around the same as the national average. Opting for annual payments means paying somewhere around $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?

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

Major appliances form the first category of items that home warranties cover. This includes the following items: 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 consist of the following:

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

What items are typically not covered under a home warranty?

Home warranties, similar to other service contracts, have coverage exclusions. A common exclusion is breakdowns caused by damage outside normal wear and tear. For example, home warranties will probably not cover an air conditioner breakdown caused by a dirty air filter. This is because replacing the filter is a routine maintenance task. Home warranties also don't cover hazardous waste, acts of nature, preexisting conditions, rust or corrosion damage, cosmetic damage and improper system or appliance installation.

Questions to ask home warranty providers in Little Elm

We recommend asking each home warranty provider you're considering the following questions about their plans, terms and policies.

What items are covered by my policy?

First, figure out what items need coverage before requesting a home warranty quote. Some providers separate appliance and system coverage, so verify that the company has plans to meet your particular needs. Also, many home warranty companies offer optional coverage, such as for central vacuum or swimming pools. 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 require this 30-day waiting period to prevent 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?

Be sure to ask about the warranty company's network of licensed service contractors. Companies will usually have strict licensing requirements and other standards for a contractor to get repair approval. If there are no partner contractors near where you live, the company might let you choose your own. You can verify a contractor's license by searching your local or county government database.

How does your claims approval process work?

Understanding the way a company’s claims process works often makes the difference between an approved claim and a denied one. Home warranty providers typically accept claims via their website or a round-the-clock support line. Typical response times are within 24 to 48 hours of filing, though there may be processing delays if you file a claim outside normal business hours. After you file your claim, a staff member will review it and connect you with a networked repair service. The contractor's team will book an appointment with you to inspect the issue 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 allow you to transfer your policy to a new person who moves into the home the policy covers. Generally, transferring a home warranty policy to a new homeowner is free of charge, although some companies levy a transfer fee to offset administrative costs. Sellers can also purchase special home warranty plans that are readily transferable to prospective buyers. This is a simple way to make your home more attractive to your home in a competitive real estate market and offer the buyer added confidence.

Home warranty contract fine print

To complete 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 advocate for yourself if you need to file a claim. Below are several terms you should search for while reviewing the contract:

  • Cancellation: A home warranty contract should include information on cancellation and refunds. If you cancel within the initial waiting period before coverage takes effect, many companies will fully refund your annual premium.
  • 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.
  • Workmanship guarantee: Home warranties generally have workmanship guarantees of at least 30 days. If an in-network technician attempted to fix your appliance or system, and you keep experiencing issues with it, the company won't charge an additional service call fee for new repairs.
  • Coverage limit: Each home warranty has a coverage limit that limits how much money the company will pay per claim. There might also be an annual coverage limit or other stipulations.
  • Exclusions: Even if an appliance is covered under your home warranty, it might still have exclusions for certain components. A sample contract should itemize these exclusions.

Facts about Little Elm

Average High in July
98°F
Little Elm
83°F
National Average
Average Low in January
36°F
Little Elm
17°F
National Average
Average Daily Sunlight
73%
Little Elm
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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