Home Warranty

7 best home warranty companies in Oxford, Alabama

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 Oxford. 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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Home warranties give you a financial buffer to fix or replace appliances that suddenly fail. For a monthly fee, these policies cover items such as AC units and refrigerators when they malfunction due to 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 fail after 20 years, say the experts at the International Association of Certified Home Inspectors.

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

Appliance breakdowns due to normal wear and tear aren't covered under homeowners insurance, so having a home warranty can give you an extra buffer against surprises. We've done the research to determine what home warranty providers have the best major appliance and system coverage.

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 Oxford

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

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

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

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

American Home Shield was one of the first home warranty companies, having been in business since 1971. It provides three base plans and six 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 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

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 Oxford

The cost of a home warranty is on par with the national average, and it largely depends on how often you want to make payments. The national average is in the range of $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

With a home warranty, you'll have extra coverage for home appliances and major systems. However, it's not a substitute for homeowners insurance, and there are some exclusions to coverage. Below, we'll talk about what's generally covered and what's not.

What are the typical items covered under a home warranty?

Dishwashers
Built-in microwaves
Cooktops
Refrigerators
Clothes dryers
Washing machines

The first category of items a home warranty covers is kitchen appliances and household items. This 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 consist of the following:

Plumbing
Electrical
HVAC
Central vacuum
Water heater

What items are typically not covered under a home warranty?

Each home warranty includes specific exclusions, which are the items and circumstances it will not cover. Your contract will clearly specify each exclusion, so read carefully before you sign. A common exclusion is breakdowns caused by damage outside 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 a routine maintenance task. Additionally, home warranties won't cover hazardous waste, preexisting conditions, rust or corrosion damage, cosmetic damage, acts of nature and improper system or appliance installation.

Questions to ask home warranty providers in Oxford

Before you purchase a home warranty plan, discuss these crucial questions with each provider you're considering.

What items are covered by my policy?

Make a list of the appliances and systems you need covered before getting home warranty quotes. This way, you can find a provider that includes them. Some providers separate appliance and system coverage. Many companies also sell optional add-ons, covering things like swimming pools and wells. Consider whether any add-ons fit your situation.

How long is my home warranty good for?

Standard home warranty contracts are valid for 12 months from the coverage effective date, which is usually 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?

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 the Alabama Licensing Board for General Contractors database.

How does your claims approval process work?

Knowing more about your warranty company's claims process boosts your chances of getting an approval. Most companies accept claims through the web or via a 24/7 phone line. Once you file, the company will try to respond within 24 to 48 hours. Filing outside normal business hours may lead to processing delays. 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?

If you need to move, most home warranty contracts contain a clause permitting you to transfer the policy to the new homeowner. Some companies handle the transfer at no charge, 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 extra reassurance.

Home warranty contract fine print

Before you decide on 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:

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.
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 offer a complete refund of your annual premium.
Exclusions: Even if a device is covered under your home warranty, it may still have applicable exclusions for specific parts. A sample contract should itemize these exclusions.
Coverage limit: Your home warranty's coverage limit is the cap on how much the company will pay per claim. A warranty contract could also have other stipulations, like annual coverage limits.
Service call fee: The service call fee is the amount you'll pay the home warranty company or service provider each time you file a claim. Fees typically vary between $75 and $125 per claim.

Facts about Oxford

Average High in July

88°F

Oxford

83°F

National Average

Average Low in January

33°F

Oxford

17°F

National Average

Average Daily Sunlight

69%

Oxford

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 Oxford, Alabama

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