Home Warranty

7 best home warranty companies in Spring Hill, 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 Spring Hill. 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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Consider a home warranty to financially protect your home's essential items. These policies cover the repair or replacement of major 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 last just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today go kaput after about 20 years.

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

A typical homeowners insurance policy doesn't cover normal appliance wear and tear. With a plan from one of these home warranty providers, you'll have additional peace of mind in case of an unforeseen 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

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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 Spring Hill

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

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 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 Home Warranty has a fully customizable coverage plan you can design based on your coverage needs. It also includes a lengthy 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 is known for its comprehensive appliance coverage caps. With an Essential or Premium plan that has the First American Advantage upgrade, you could also get coverage for miscellaneous components, including appliance knobs and dials.

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 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 Spring Hill

You'll generally pay $41-$70 per month for a home warranty in Spring Hill, in line with the national average. Opting for annual payments means spending 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 provide coverage for various major systems and appliances, 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?

Refrigerators
Dishwashers
Clothes dryers
Built-in microwaves
Cooktops
Washing machines

The first category of items home warranties protect is kitchen items and outdoor appliances. This category includes the following: 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 may be included:

Plumbing
HVAC
Electrical
Water heater
Central vacuum

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. Generally, home warranties won't cover item breakdowns caused by damage outside normal wear and tear. For example, if your air conditioner malfunctions due to a dirty air filter, home warranty companies likely won't cover the repairs since air filter replacement falls under routine maintenance.

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

Questions to ask home warranty providers in Spring Hill

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

What items will my policy cover?

Determine what appliances and systems you need covered before getting home warranty quotes. This way, you can find a company that includes them. Some providers separate appliance and system coverage. Companies might also offer additional coverage, like swimming pool and spa protection, as add-ons. Consider what supplements you might need and how much they'll add to the cost.

How long is my home warranty good for?

Standard home warranty contracts last for 12 months from the coverage effective date, which is usually 30 days after the initial sign-up date. Companies implement this 30-day waiting period to prevent 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?

Be sure to ask about the warranty provider'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 Florida Department of Business & Professional Regulation database.

How does your claims approval process work?

Each company's claims process is slightly different from the others. If a covered issue strikes, you could file a claim via their website or over the phone. Most companies try to respond to claims within 24 to 48 hours, though there might be processing delays if you filed outside normal working hours. Once the provider receives your claim, someone will review it and connect you with a partner service contractor. 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're selling your home, you may be able to transfer your policy to the new homeowner. Some companies will handle the transfer without cost, while others charge a transfer fee. Home warranty companies might also sell separate, special coverage plans that you can easily transfer to prospective homebuyers. Sellers can purchase these plans to enhance their home's appeal in a competitive market.

Home warranty contract fine print

Before settling on a home warranty, we strongly recommend reviewing a sample contract. Learning more about the company's terms and conditions will help you make an informed decision. It'll also help you stand up for your rights if you need to file a claim. Search for these key terms and clauses in your research:

Service call fee: Similar to copays at the doctor or pharmacy, you'll have to pay a service call fee every time you file a home warranty claim. Many providers have fees between $75 and $125 per claim.
Exclusions: Be sure to read more about component-specific exclusions in the home warranty company's sample contracts. Some parts of a device may be excluded even if the appliance itself is typically included under the policy.
Cancellation: Companies typically outline how they process cancellations in their fine print. Many providers will refund the entire plan premium if you cancel within the first 30 days of sign-up.
Workmanship guarantee: Workmanship guarantees help 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, though some companies offer longer periods.
Coverage limit: Your home warranty's coverage limit is the limit on how much the company pays per claim. A warranty contract could also have other stipulations, like annual coverage limits.

Facts about Spring Hill

Average High in July

89°F

Spring Hill

83°F

National Average

Average Low in January

52°F

Spring Hill

17°F

National Average

Average Daily Sunlight

77%

Spring Hill

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 Spring Hill, Florida

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