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Ferry Pass

Home Warranty

7 best home warranty companies in Ferry Pass, Florida

Jesus Sanchez Garcia

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 Ferry Pass. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

Companies Selected

Home warranties give you a financial buffer to fix or replace appliances that suddenly fail. For a monthly fee, these policies cover items like AC units and refrigerators when they malfunction due to regular wear and tear.

Did you know that the typical life span of an HVAC system is seven to 25 years? Other major systems, such as water heaters, only last an average of six to 12 years. Most appliances last just 20 years or fewer, according to the International Association of Certified Home Inspectors.

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

Ferry Pass' scorching 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 system and appliance coverage. The national providers below carry the best plans and special 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

Limited Time Offer: 50% Off

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 Ferry Pass

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

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 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 Ferry Pass

The cost of a home warranty is in line with the national average, and it heavily relies on how often you prefer to make payments. The national average is around $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

Home warranties cover a variety of major systems and home appliances. We'll lay out a general overview of the two main coverage categories.

What are the typical items covered under a home warranty?

Built-in microwaves
Dishwashers
Washing machines
Refrigerators
Cooktops
Clothes dryers

Kitchen appliances and household items make up the first group of items that a home warranty protects. 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:

Plumbing
Water heater
Central vacuum
Electrical
HVAC

What items are typically not covered under a home warranty?

Like other service contracts, home warranties won't cover certain appliances or components. These are called 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 a routine maintenance task.

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

Questions to ask home warranty providers in Ferry Pass

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

What items will my policy cover?

Before asking a home warranty provider 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. Many companies also sell optional add-ons, covering things like lawn sprinkler systems and central vacuum. Consider whether any add-ons fit your situation.

How long is my home warranty good for?

Generally, a home warranty plan lasts for 12 months from the coverage effective date, which is 30 days after the initial sign-up date. Home warranty companies include a 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?

When researching a home warranty company, ask which service contractors it partners with in your area. Many home warranty companies will let you choose your own local contractor if they don’t have an in-network provider near you. The contractor must be licensed and registered in Ferry Pass to obtain repair approval from the home warranty provider. You can verify a contractor's license by searching the Florida Department of Business & Professional Regulation database.

How does your claims approval process work?

Understanding the way a company’s claims process works can be the difference between claim approval and denial. 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. Once the provider receives your claim, someone will review it and connect you with a partner service contractor. The contractor will schedule a visit, 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 for free, while others levy a transfer fee. Sellers can also purchase special home warranty plans that are readily transferable to prospective buyers. This is a straightforward way to add appeal to your home to your home in a competitive real estate market and offer the buyer extra reassurance.

Home warranty contract fine print

Before buying a home warranty, review the company's sample contracts and policies. Understanding a provider's terms and conditions can help you decide whether they're a good fit for you. It'll also help you be a better advocate for yourself if you need to file a claim. Pay attention to these key stipulations and clauses:

Exclusions: Even if a device is covered under your home warranty, it could still have applicable exclusions for specific parts. A sample contract should clearly outline these exclusions.
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.
Workmanship guarantee: Most workmanship guarantees last for 30 days from a warranty repair, though some companies offer longer guarantee periods. If you have more issues with an appliance that an in-network technician just attempted to fix for you, the home warranty company will not assess an extra service call fee for a new claim.
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.
Service call fee: Each time you file a claim, the home warranty or repair company will charge a service call fee. These fees usually run from $75 to $125.

Facts about Ferry Pass

Average High in July

88°F

Ferry Pass

83°F

National Average

Average Low in January

43°F

Ferry Pass

17°F

National Average

Average Daily Sunlight

74%

Ferry Pass

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

Limited Time Offer: 50% Off

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 Ferry Pass, Florida