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As somebody with expertise promoting a number of properties, I do know simply how daunting the method may be, with quite a few challenges and potential pitfalls alongside the way in which. Probably the most vital issues for sellers is the potential of sudden repairs or system breakdowns throughout the itemizing interval, resulting in pricey out-of-pocket bills and doubtlessly derailing the sale. That is the place a house guarantee can present invaluable safety and peace of thoughts for sellers and an added bonus for potential patrons.
Nonetheless, the house guarantee {industry} has confronted its share of criticism, with points corresponding to complicated contracts, denied claims, and subpar service from some suppliers. To assist sellers navigate this advanced panorama and discover dependable protection, I carried out an in-depth overview of the highest house guarantee corporations catering to sellers. Utilizing Right now’s Home-owner’s stringent score standards, I evaluated every supplier’s protection choices, value, customer support, and popularity.
By way of my in depth analysis, which included secret buying, evaluation of pattern contracts, and examination of buyer opinions, I discovered the perfect house guarantee corporations for sellers. These suppliers supply complete protection tailor-made to the distinctive wants of sellers, with clear phrases, reasonably priced pricing, and a historical past of reliable service. By selecting one among these greatest house guarantee corporations, house sellers can shield their budgets from sudden restore prices, improve their house’s marketability, and supply added worth to potential patrons.
Why Belief Us?
Right here’s how we ranked and reviewed the nation’s prime house guarantee corporations to deliver you essentially the most correct data.
76
Our staff of specialists reviewed over 70 house guarantee suppliers to match plan choices, protection limits, costs, and buyer suggestions.
152
We collected over 100 pattern quotes from dozens of house guarantee corporations to provide you an correct have a look at {industry} pricing.
6
Our score system scores suppliers based mostly on 6 key elements: protection choices, affordability, buyer expertise, popularity, claims processes, and availability.
Learn our full House Guarantee Evaluate Methodology for extra particulars.
High 5 House Guarantee Firms
Highlights
- Liberty House Guard stands out for its flexibility, permitting sellers to customise their protection with add-ons like pest management, pool/spa gear, turbines, and even carpet cleansing, guaranteeing the coverage covers precisely what the house wants throughout the itemizing interval.
- American House Protect gives sellers peace of thoughts with its spectacular observe file of responding to most claims inside 24 hours, which is essential for getting methods like AC or heating again up and operating rapidly to maintain the house snug and enticing to potential patrons.
- When choosing a house guarantee plan as a vendor, you should definitely look carefully at protection caps, exclusions, and repair charges to keep away from surprises throughout the promoting course of, and think about benefiting from any limited-time promotions or reductions to get essentially the most worth.
My Knowledgeable Advice
Right now’s Home-owner Ideas
After in depth analysis into house guarantee suppliers catering to sellers, Liberty House Guard (LHG) emerged as my best choice for its unparalleled flexibility and customization choices.
After in depth analysis into house guarantee suppliers catering to sellers, Liberty House Guard (LHG) emerged as my best choice for its unparalleled flexibility and customization choices. With over 40 add-ons, together with distinctive choices like septic system pumping, gutter cleansing, restricted roof leak protection, and carpet cleansing, Liberty permits sellers to tailor their protection to their house’s particular wants. As somebody who just lately bought a house, I perceive the worth of getting a guaranty plan that addresses the distinctive options and potential ache factors of your property.
For sellers with high-end home equipment and methods, I additionally suggest contemplating American House Protect (AHS). This well-established supplier gives beneficiant protection limits of $4,000 for home equipment and $5,000 for house methods, which might present peace of thoughts when defending costly gear. Moreover, AHS’s dedication to responding to most claims inside 24 hours is invaluable for sellers, because it minimizes the danger of system or equipment breakdowns derailing the sale course of. Whereas all house warranties include exclusions, the customization potential from Liberty House Guard and the in depth protection limits from American House Protect make them each sturdy contenders for safeguarding your property throughout the promoting course of.
Right now’s Home-owner Ideas
Sellers can use house warranties to their benefit in two other ways throughout the true property gross sales course of.
The primary is by securing a house guarantee plan earlier than you promote so you should use the protection to restore any house home equipment and methods with issues (look out for suppliers excluding preexisting points). The house guarantee may promptly resolve equipment and system points {that a} house inspection uncovers throughout the closing course of. Some (however not all) suppliers will allow you to switch the house guarantee plan to the patrons after your sale.
The second means is by securing a house guarantee within the purchaser’s title throughout or after closing. This incentive offers house patrons peace of thoughts that they received’t be on the hook for sudden, costly repairs and replacements proper after plunking down an enormous sum of cash on their new house.
House Guarantee Firms for Sellers I Didn’t Embody
Throughout my analysis, I strongly thought of First American House Guarantee (FAHW), a widely known house guarantee supplier, however selected to not embrace it as a prime advice for sellers. My primary purpose is its lack of transparency about its true service space. FAHW claims to supply protection in 35 states, however my private expertise suggests in any other case. To elaborate, it doesn’t straight serve all 35 states listed on its web site. After I tried getting a quote for my present Indiana house, I used to be redirected to a third-party web site. This third social gathering then emailed me quotes from competing house guarantee corporations (Liberty, Alternative, American House Protect) as an alternative of FAHW itself. That stated, I did get a direct quote from FAHW for a colleague’s California house.
I additionally determined to not embrace Alternative House Guarantee in my prime picks for house sellers. Alternative is coping with an energetic shopper fraud lawsuit with the Arizona Lawyer General, and I don’t really feel snug recommending them till the case is settled. If the lawsuit uncovers credible proof of widespread misleading or fraudulent practices, I’ll definitely proceed to not suggest Alternative. As a vendor, the very last thing you need is to be related to a house guarantee firm that has a questionable popularity, because it may doubtlessly hurt your sale.
Examine The Highest Rated House Warranties for Sellers
Quote and value information gathered January 2024. Price information are up to date and monitored constantly.
Our Critiques of the Finest House Warranties for Sellers
Finest for Customization
Liberty House Guard
4.6
Our Score
Restricted Time:
$200 Off + 2 Months free + Free Roof Leak Protection
I recognize Liberty House Guard’s unparalleled flexibility, with over 40 add-ons that permit sellers to create a house guarantee plan tailor-made to their properties’ distinctive options. This stage of customization is especially beneficial for sellers, because it allows them to showcase complete safety for his or her house’s particular methods and home equipment, making the property extra enticing to potential patrons. For instance, if your property boasts a pool, spa, or septic system, Liberty permits you to embrace protection for this stuff, demonstrating to patrons that you simply’ve taken further steps to ensure a easy transition of possession.
Furthermore, I’m impressed by Liberty House Guard’s dedication to buyer satisfaction, as proven by their spectacular 4.7-star rankings on each Google and Trustpilot. In an {industry} the place many suppliers battle to take care of a 3-star common, Liberty’s persistently excessive marks for responsive service give me confidence that they’ll be there to help sellers all through the itemizing and sale course of. Moreover, their 60-day workmanship assure, which surpasses the {industry} customary of 30 days, gives added peace of thoughts for each sellers and patrons, guaranteeing that any points that come up after a restore might be promptly addressed.
Whereas Liberty House Guard’s in depth checklist of non-compulsory add-ons is spectacular, I don’t like that these additions come at a comparatively excessive value, averaging round $15 monthly. Compared, some opponents, corresponding to Elite House Guarantee, cost as little as $6 for added protection. Because of this sellers trying to create a complete plan tailor-made to their house’s distinctive options could face considerably greater month-to-month premiums with Liberty.
One other concern I’ve with Liberty House Guard is their comparatively low protection limits. With maximums topping out at simply $2,000 for house home equipment, Liberty’s caps are two to 3 occasions decrease than suppliers like American House Protect and Elite House Guarantee, which supply as much as $4,000 and $6,000 in safety, respectively. As a vendor, which means that if it’s essential exchange a pricey merchandise like an air conditioner or fridge throughout the itemizing interval, you might be left with substantial out-of-pocket bills, even with a house guarantee in place.
Backside Line: 9.3/10
For sellers searching for a dependable and versatile house guarantee supplier, Liberty House Guard is my prime advice. With plans beginning at round $50 monthly, Liberty gives complete protection and a powerful array of over 40 distinctive add-ons, permitting you to tailor your safety to your property’s particular options. This distinctive stage of customization is likely one of the primary causes I give Liberty a stable 9.3/10 score.
Liberty additionally shines within the customer support division, boasting a 4.7-star score on each Google and Trustpilot and a 4.5-star score on the BBB. Sellers can have peace of thoughts figuring out that Liberty is devoted to offering quick claims processing and responsive help all through the itemizing and sale course of. Moreover, their 60-day workmanship assure, which is double the {industry} customary, ensures that any points with repairs might be promptly addressed, even after the sale.
Nonetheless, it’s necessary to notice that Liberty’s protection caps max out at $2,000 per merchandise. Whereas this restrict is loads for most traditional home equipment and methods, it might not absolutely cowl repairs or replacements for high-end or luxurious manufacturers. If in case you have top-of-the-line home equipment, corresponding to Viking or Sub-Zero, you would possibly wish to think about suppliers corresponding to American House Protect or Elite House Guarantee that provide greater protection limits. Regardless of these limitations, I imagine that Liberty House Guard is a wonderful selection for most individuals promoting their properties.
Plans and Protection: 10/10
Liberty House Guard receives a powerful 10/10 score from me for its skill to supply sellers with versatile, complete protection at aggressive costs. With three primary plans — Equipment Guard, Programs Guard, and Complete House Guard — Liberty gives a spread of choices to go well with completely different wants and budgets.
For many sellers, I like to recommend the Complete House Guard plan, which mixes in depth protection for each home equipment and methods. At simply $60 monthly, this plan gives peace of thoughts figuring out that your property’s important elements are protected once you put your property available on the market. Whereas the Equipment Guard and Programs Guard plans are extra reasonably priced, beginning at round $50 and $55 monthly, respectively, I imagine the added protection of the Complete House Guard plan is effectively definitely worth the barely greater value.
One in every of Liberty’s standout options is its big range of non-compulsory add-ons, permitting sellers to customise their protection to their house’s distinctive options. With over 40 add-ons, together with choices like restricted roof leak safety, pest management, and even re-key providers, you may create a plan that addresses your property’s particular wants and potential issues for patrons. Nonetheless, it’s necessary to notice that these add-ons come at a further value, starting from $4 to $36 monthly, which might rapidly add up for those who require a number of extras.
One other issue to contemplate is Liberty’s service name price, which ranges from $65 to $125 per go to, relying on the kind of service you want. Whereas that is greater than the {industry} common of $75, Liberty does supply a 60-day workmanship assure, offering added assurance that any points with repairs might be addressed promptly and at no further value to you. Moreover, hold a watch out for seasonal promotions and reductions, such because the $225 coupon I discovered throughout my secret buying, which will help offset the upper service charges.
| Plan | Month-to-month Price | Service Payment | Out there Reductions |
| Equipment Guard | $49.99 | $65 – $125 | 2 months free (on-line), $225 off coupon (on-line) |
| Programs Guard | $54.99 | $65 – $125 | 2 months free (on-line), $225 off coupon (on-line) |
| Complete House Guard | $59.99 | $65 – $125 | 2 months free (on-line), $225 off coupon (on-line) |
Editor’s Observe: The associated fee information talked about on this article was sourced for a single-family, two-bedroom house underneath 5,000 sq. ft in Granger, IN. The associated fee information offered was correct on the time of writing.
Out there Add-Ons
Liberty House Guard has the next non-compulsory add-ons to its plans. If the house you’re promoting has distinctive methods or house home equipment, like a generator, pool, sprinkler system, or effectively pump, that you simply plan to incorporate within the sale, you may simply add protection for them.
It’s also possible to add helpful providers that the client can use to get their house move-in prepared, together with carpet cleansing, pest management, energy washing, re-keying, TV mounting, and window cleansing. These are enticing perks for patrons in any market.
- Carpet cleansing: $19.99/month
- Casita visitor unit: $35.99/month
- Central vacuum: $8.99/month
- Ejector pump: $14.99/month
- Electronics safety: $19.99/month
- Freestanding ice maker: $14.99/month
- Generator: $19.99/month
- Grinder pump: $14.99/month
- Gutter cleansing: $14.99/month
- Ice maker (in-fridge): $3.99/month
- Instantaneous scorching water dispenser: $9.99/month
- Garden sprinkler system: $9.99/month
- Lights: $7.99/month
- Restricted roof leak: $11.99/month
- Pest management: $14.99/month
- Plumbing fixtures: $7.99/month
- Pool and spa: $19.99/month
- Further spa: $9.99/month
- Energy washing (exterior flooring): $19.99/month
- Professional-series garments dryer: $4.99/month
- Professional-series dishwasher: $7.99/month
- Professional-series microwave: $4.99/month
- Professional-series vary/oven/cooktop: $12.99/month
- Professional-series fridge: $14.99/month
- Professional-series stand-alone freezer: $14.99/month
- Professional-series washer: $4.99/month
- Re-key: $9.99/month
- Reverse osmosis water filter system: $14.99/month
- Salt water pool: $23.99/month
- Second fridge: $7.99/month
- Septic system pumping: $12.99/month
- Sump pump: $8.99/month
- Swamp cooler: $14.99/month
- Trash compactor: $7.49/month
- TV mounting (as much as 65 inch TVs): $14.99/month
- TV mounting (as much as 85 inch TVs): $19.99/month
- Water dispenser water line: $4.99/month
- Water softener: $13.99/month
- Effectively pump: $12.99/month
- Window washing/cleansing: $19.99/month
- Wine cooler/fridge: $11.99/month
Exclusions
Liberty has the beneath exclusions to its plans:
- Beauty defects
- Cranes or different specialty autos required to put in, take away, or entry your home equipment or house methods
- Disposal of home equipment, methods, or elements
- Electronics, computerized, “sensible,” or Web/enabled elements and components
- Filters related to any coated gadgets
- Hearth sprinkler methods
- Flues, vents, chimneys, and exhaust traces
- Glass components
- Lighting
- Malfunction or injury brought on by acts of God
- Noise
- Radon and different leak detection monitoring methods
- Distant receiving and transmitting gadgets
- Photo voltaic methods and functions
Editor’s Observe: Whereas this text highlights sure exclusions, it’s crucial for readers to overview their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions could apply.
Affordability: 8.9/10
Liberty House Guard earns a robust 8.9/10 score from me for its affordability. With base plans beginning at round $50 monthly, Liberty’s pricing aligns with {industry} averages, making it an accessible possibility for many sellers. Nonetheless, it’s necessary to notice that Liberty’s add-ons, which let you customise your protection, are typically costlier than these of different suppliers. Most add-ons value over $15 monthly, in comparison with the $6 to $13 vary provided by opponents, together with American House Protect and Elite House Guarantee.
One other issue to contemplate is Liberty’s service price, which ranges from $65 to $125 per declare. That is greater than the charges charged by many different house guarantee corporations. Moreover, Liberty solely covers gadgets as much as their “e-book worth” (the estimated depreciated worth of an merchandise) somewhat than their full alternative value, which may depart you with out-of-pocket bills if a high-value merchandise fails. It’s additionally value noting that Liberty’s per-item protection caps max out at $2,000, which is decrease than the boundaries of opponents like Elite House Guarantee ($6,000) and American House Protect ($3,000). Regardless of these potential drawbacks, Liberty stands out for its protection of distinctive home equipment and methods, making it a lovely possibility for sellers with high-end or specialised gadgets.
Buyer Expertise: 7.8/10
I give Liberty House Guard a stable 7.8/10 score for buyer expertise. After I carried out my secret buying, I discovered the net quoting system to be clear and user-friendly, permitting sellers to simply evaluate protection choices and personalize their plans to suit their house’s distinctive wants. When you’re signed up, Liberty gives a number of contact choices, together with cellphone, electronic mail, and on-line chat, guaranteeing immediate help when points come up. Whereas not the perfect within the {industry}, I additionally recognize Liberty’s 60-day service assure on repairs, offering further reassurance that any work carried out will meet high quality requirements on the primary try.
Firm Popularity: 9.1/10
Liberty House Guard has rapidly established itself as a best choice for sellers searching for dependable house guarantee safety, incomes a powerful 9.1/10 score from me for its popularity. Throughout 1000’s of opinions on platforms just like the Higher Enterprise Bureau (BBB), Google, and Trustpilot, Liberty persistently receives glowing reward, with clients highlighting distinctive service, easy claims processes, and fast difficulty decision. The corporate’s overwhelmingly optimistic 4.5- to 4.7-star rankings show its dedication to placing individuals first, setting it aside from opponents within the {industry}.
Nonetheless, Liberty just lately skilled a brief setback — after a slew of latest complaints, the BBB revoked its A+ score. Nonetheless, after talking with a rep on the BBB, I found that it is a customary process whereas they totally overview the complaints. Liberty has gone by this similar course of just a few occasions within the latest previous and had its A+ score restored after the BBB’s analysis. I’m assured the identical will occur on this case. For sellers searching for a house guarantee supplier with an excellent popularity and a dedication to buyer satisfaction, Liberty House Guard continues to be my best choice.
| Score Web site | Score | Variety of Critiques |
| BBB | NR (Not Rated)* / 4.5 out of 5 stars | 2,500 |
| Trustpilot | 4.7 out of 5 stars | 2,620 |
| 4.7 out of 5 stars | 10,440 | |
| Yelp | 1.4 out of 5 stars | 49 |
Editor’s Observe: The rankings offered had been correct on the time of writing.
*Observe (as of 4/4/24): The Higher Enterprise Bureau just lately shifted LHG’s A+ score to “NR.” We reached out to a consultant from the Higher Enterprise Bureau, they usually informed us, “This enterprise shouldn’t be presently rated. BBB has just lately obtained quite a few complaints towards this enterprise and can difficulty a score after it has absolutely evaluated them.” When requested about whether or not they revoke rankings after a rise in complaints, the rep stated, “Sure, in the event that they really feel they should overview the complaints first earlier than issuing an correct score.” This state of affairs has occurred to LHG twice within the final two years, however every time the BBB has restored its A+ score after an intensive overview.
Claims Course of: 10/10
Liberty House Guard stands out amongst house guarantee suppliers with its distinctive claims course of, incomes an ideal 10/10 score from me. With a powerful 12-hour common response time and demanding emergency restore choices that many opponents lack, Liberty ensures that sellers can rapidly deal with any points that come up throughout the itemizing interval. As soon as the usual 30- to 60-day protection ready interval has handed, most claims are authorized inside 48 hours, and clients persistently reward the corporate’s easy claims course of and fast payouts. Liberty’s dedication to offering top-notch service throughout difficult conditions units it aside from the competitors.
Availability: 10/10
Liberty House Guard gives its plans in all 50 U.S. states, incomes it an ideal 10/10 score. With nationwide protection, you may add a house guarantee plan to your property sale to make the true property course of smoother and entice extra patrons.
Finest Protection Limits
American House Protect
4.3
Our Score
Restricted Time:
40% Off Our Most Common Plan
One of many standout options I recognize about American House Protect is its in depth {industry} expertise, spanning over 50 years. This longevity has allowed the corporate to construct a large contractor community, guaranteeing that sellers have entry to specialised restore assist for any distinctive wants their properties could have. I additionally like that AHS gives protection for rust, corrosion, and even preexisting circumstances, offering complete safety for properties throughout the true property promoting course of.
Furthermore, AHS impresses me with its sturdy protection caps, providing as much as $5,000 for house methods and $4,000 for home equipment. These beneficiant limits give me peace of thoughts, figuring out that even high-end gadgets are coated. One other distinctive facet I recognize is that AHS is likely one of the few suppliers that provides roof leak safety, both as an add-on or included with its premium plan. This protection may be significantly beneficial for sellers, because it helps seal up small roof leaks that would derail a sale.
Regardless of American House Protect’s in depth expertise within the house guarantee {industry}, I’m involved concerning the excessive quantity of destructive opinions the corporate has obtained lately. AHS has garnered a disproportionate variety of complaints with the BBB in comparison with its opponents, with many purchasers citing points corresponding to sudden value will increase, delays in repairs for non-emergency issues, late contractors, communication points, and a scarcity of transparency. Moreover, the corporate’s sub-2-star rankings on each Trustpilot and Yelp elevate purple flags about its total reputability, particularly contemplating its lengthy standing presence available in the market.
Backside Line: 8.6/10
American House Protect earns a stable 8.6/10 total score from me for its sturdy protection choices and beneficiant limits that outshine these of virtually all opponents. With spectacular protection caps of as much as $5,000 for methods and $4,000 for home equipment, AHS gives sellers with peace of thoughts, particularly for these with high-end gadgets. Solely Elite House Guarantee has greater limits ($6,000 for home equipment and $10,000 for methods). Throughout my secret buying, I discovered AHS’s web site and quotes simple, making it simple to match plans and pricing.
One of many standout options of AHS is its protection of undetectable preexisting defects, rust, and corrosion, which provides vital worth to its plans. Moreover, its expansive contractor community allows widespread, respected help throughout the nation. Nonetheless, some reviewers have reported prolonged restore delays, and the corporate’s 30-day workmanship assure falls wanting these of rivals like Elite House Guarantee, which gives a 90-day assure, and AFC House Membership’s lifetime assure.
Whereas AHS’s lower-tier plans cowl fewer home equipment and methods in comparison with these of entry-level choices from opponents, the ShieldPlatinum plan gives complete safety at solely a slight improve in value. This plan nonetheless beats comparable choices from different suppliers by way of pricing and protection. Regardless of some drawbacks, American House Protect stays a robust selection for sellers searching for confidence in defending their beneficial house methods and home equipment throughout the itemizing course of.
Plans and Protection: 9/10
American House Protect (AHS) earns a robust 9/10 score from me for its plans and protection choices. The corporate gives three plans for sellers: ShieldSilver, ShieldGold, and ShieldPlatinum. Whereas AHS’s service charges, starting from $100 to $125, are greater than the {industry} common of $75, the corporate makes up for it with its complete protection and versatile pricing choices. Sellers can select between decrease month-to-month premiums or greater service charges based mostly on their finances and wishes.
The ShieldPlatinum plan stands out as essentially the most complete possibility, providing distinctive options like roof leak protection, free HVAC tune-ups, and allowances for code violations, permits, and gear modifications. These inclusions can present sellers with added peace of thoughts that repairs are coated if something doesn’t cross inspection throughout the sale course of. One other notable facet of AHS’s plans is that they cowl outdated, improperly put in gadgets and preexisting circumstances, which many opponents exclude. This in depth safety is especially beneficial for sellers with older properties or advanced methods and home equipment.
| Plan | Month-to-month Price | Service Payment* | Out there Reductions |
| ShieldSilver | $39.99 – $49.99 | $100 – $125 | 20% off same-day sign-up low cost (on-line and cellphone) |
| ShieldGold | $59.99 – $69.99 | $100 – $125 | 20% off same-day sign-up low cost (on-line and cellphone) |
| ShieldPlatinum | $89.99 – $99.99 | $100 – $125 | 20% off same-day sign-up low cost (on-line and cellphone) |
*If you happen to select the decrease service price of $100, you pay the upper month-to-month premium. For instance, the $49.99 price for the ShieldSilver plan pairs with the $100 service price.
Editor’s Observe: The associated fee information talked about on this article was sourced for a single-family, two-bedroom house underneath 5,000 sq. ft in Granger, IN. The associated fee information offered was correct on the time of writing.
Out there Add-Ons
American House Protect gives the next add-on choices to its plans. For sellers, I discover the roof leak restore protection essentially the most beneficial as you should use your protection to restore any small leaks earlier than itemizing it available on the market or if the inspector finds leaks late within the sale course of.
- Electronics safety plan: $14/month
- Visitor unit: $15.99/month
- Pool & built-in-spa gear: $18/month
- Roof leak restore: $10/month
- Septic pump: $5/month
- Effectively pump: $8/month
Exclusions
AHS has the beneath industry-standard exclusions for all three of its plans:
- Injury on account of pets or pests
- Failure to correctly clear or keep house methods or home equipment
- Basis or structural injury
- Improper set up, improper wiring, or injury brought on by building exercise
- Producer’s defect
- Misuse or human error
- Malfunction or injury on account of pure disasters
- Neglect, rust, corrosion, or sediment
- Removing of hazardous supplies corresponding to asbestos, lead, or different poisonous supplies
Editor’s Observe: Whereas this text highlights sure exclusions, it’s crucial for readers to overview their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions could apply.
Affordability: 8.7/10
American House Protect receives an 8.7/10 score from me for affordability, primarily on account of its greater protection limits that may save sellers cash up entrance if they should restore or exchange costly house methods or home equipment. After I collected quotes, the gross sales agent was educated and offered detailed pricing, explaining the nuances of the plans and providing suggestions for securing the perfect deal. The pattern contract I obtained clearly outlined the protection limits, that are considerably greater than these of many opponents. For instance, AHS gives as much as $5,000 for HVAC methods and $3,000 for swimming pools, whereas others corresponding to Liberty House Guard typically cap system protection at round $2,000.
Though American House Protect’s month-to-month charges and repair charges (starting from $100 to $125 per service name) are above common, I imagine the improved protection justifies the additional value. For sellers with high-end home equipment or distinctive methods that will be costly to restore or exchange with out satisfactory protection, the peace of thoughts offered by AHS’s greater protection caps may be effectively definitely worth the barely pricier charges. When contemplating the potential prices of changing an AC system or main home equipment, the allowances provided by AHS may be significantly beneficial, making it a very good worth for sellers who need complete safety.
Buyer Expertise: 8.4/10
American House Protect receives an 8.4/10 score from me for buyer expertise. Throughout my secret buying, I discovered the corporate’s web site to be user-friendly when acquiring quotes and evaluating pricing for various plans. AHS additionally gives a regular 30-day ready interval earlier than a brand new coverage takes impact, which is considerably shorter than the 60-day or longer wait occasions of some opponents.
However, I’ve issues about American House Protect’s responsiveness to buyer inquiries. I discovered quite a few complaints about unreturned calls and messages, which may be significantly irritating for sellers once they want help with a breakdown or different drawback. Regardless of these communication issues, AHS does supply some benefits, corresponding to assigning every buyer an account supervisor and offering a number of contact strategies. This accessibility will help mitigate points with particular person reps and demonstrates a dedication to bettering responsiveness.
Firm Popularity: 7.7/10
American House Protect receives a good 7.7/10 score from me for its combined popularity. Whereas it gives handy 24/7 help for submitting claims and an easy-to-use on-line account dashboard for monitoring restore standing, its low scores on websites like Trustpilot and Yelp concern me. Many reviewers categorical frustration about delayed service, unexplained declare denials, and unresponsive customer support, which may be significantly problematic for sellers needing immediate help with vital system breakdowns. Nonetheless, it’s value noting that some destructive suggestions seems to stem from misunderstandings over contract particulars, emphasizing the significance of totally studying and understanding the coverage earlier than signing up. Plus, AHS has 1000’s of extra opinions on Google, the place it holds a robust 4.5/5 star score.
| Score Web site | Score | Variety of Critiques |
| BBB | B / 2.11 out of 5 stars | 11,115 |
| Trustpilot | 2.1 out of 5 stars | 5,263 |
| 4.5 out of 5 stars | 32,947 | |
| Yelp | 1.1 out of 5 stars | 1,271 |
Editor’s Observe: The rankings offered had been correct on the time of writing.
Claims Course of: 8.4/10
American House Protect earns a robust 8.4/10 score from me for its user-friendly claims course of and 24/7 customer support availability. The flexibility to submit a declare on-line or through cellphone at any time gives sellers with peace of thoughts, significantly when coping with pressing points like a damaged air conditioner or water heater. As soon as a declare is filed, sellers can simply observe its standing and think about their house’s restore historical past by the net account dashboard, providing transparency and lowering stress all through the method. Whereas some opinions point out cases of unreturned calls and messages, AHS takes steps to eradicate communication points by assigning devoted account managers and offering a number of contact strategies and individuals.
Availability: 10/10
American House Protect gives house guarantee plans in all U.S. states moreover Alaska. With its large community of skilled contractors, you may depend on AHS for swift repairs on the home equipment and methods within the house you’re promoting.
Finest Worth
Choose House Guarantee
4.2
Our Score
Restricted Time:
$150 Off (Code HOUSE25)
Choose House Guarantee (SHW) gives among the most budget-friendly protection choices I’ve seen, with month-to-month premiums beginning at simply $44 (with commonly provided reductions). I recognize that even their most complete plan tops out at solely $48 monthly, making it accessible for a lot of house sellers. SHW additionally has an inexpensive $75 service name price, which is on the decrease finish in comparison with many opponents. One distinctive perk that actually makes Choose stand out is their inclusion of restricted roof leak protection in all their plans at no further value, whereas most different corporations both exclude this safety fully or solely supply it as an non-compulsory add-on.
Whereas Choose House Guarantee’s affordability is interesting, I’m dissatisfied by the corporate’s restricted customization choices, with solely 9 add-ons obtainable in comparison with opponents like Liberty House Guard, which gives over 40 selections. I additionally dislike that SHW excludes protection for preexisting defects, as this might result in denied claims if points aren’t recognized and addressed earlier than you enroll. One other downside is Choose’s coverage prohibiting owners from selecting their most popular restore contractors, which limits the management over who works on your property. Lastly, its rigid $75 plan cancellation price appears to prioritize its personal pursuits over the wants of consumers.
Backside Line: 8.4/10
I give Choose House Guarantee an 8.4/10 score for its simple, reasonably priced house safety plans that cater to budget-conscious owners. With its Bronze Care, Gold Care, and Platinum Care choices masking home equipment, methods, or a mix of each, SHW makes it simple to search out the best protection on your wants. I significantly recognize the corporate’s industry-leading low month-to-month premiums of $44 to $48, that are notably decrease than these of opponents like American House Protect and Liberty House Guard. These reasonably priced charges can result in vital financial savings over time for cost-conscious house sellers.
Nonetheless, Choose’s $3,000 protection cap per merchandise is probably not sufficient for changing higher-end methods or home equipment. Sellers with costlier or specialised gear would possibly wish to think about suppliers like Elite House Guarantee or American House Protect, which supply greater protection limits of as much as $10,000 and $6,000, respectively, in addition to a broader vary of non-compulsory add-ons. Earlier than signing up with Choose, assess the worth of your present house methods and home equipment to be sure you have satisfactory protection on your particular wants.
Plans and Protection: 8.3/10
Choose House Guarantee earns a stable 8.3/10 score from me for its simple and important protection choices. The corporate gives three primary plans: Bronze Take care of home equipment, Gold Take care of methods, and Platinum Take care of each. For most householders, I like to recommend the Platinum Care plan, because it gives complete safety for simply $4 extra monthly in comparison with the opposite plans. Choose’s clear strategy to house guarantee protection units it aside from opponents that usually have complicated packages and terminology. This simplicity may be particularly helpful for house sellers who wish to present potential patrons with a transparent understanding of the safety it contains.
Nonetheless, Choose’s $3,000 protection caps is probably not sufficient for properties with higher-end or costly home equipment or methods, as alternative prices can simply exceed this restrict. Opponents like American House Protect and Elite House Guarantee supply limits two to 3 occasions greater, that are extra appropriate for properties with luxurious gadgets. Moreover, Choose gives fewer add-on choices in comparison with another suppliers, which can be a downside for sellers with distinctive or unusual house options. Regardless of these limitations, Choose House Guarantee gives reasonably priced, no-nonsense protection that caters to the important wants of most householders and may be a lovely promoting level for potential patrons.
| Plan | Month-to-month Price* | Service Payment | Out there Reductions |
| Bronze Care | $44.42 | $75 | $150 off (web site), two further months free (web site) |
| Gold Care | $44.42 | $75 | $150 off (web site), two further months free (web site) |
| Platinum Care | $47.75 | $75 | $150 off (web site), two further months free (web site) |
*Month-to-month value figures offered embrace the discounted price provided at time of writing ($16 off month-to-month pricing_. Choose House Guarantee has been operating this promotion because the starting of this 12 months.
Editor’s Observe: The associated fee information talked about on this article was sourced for a single-family, two-bedroom house underneath 5,000 sq. ft in Granger, IN. The associated fee information offered was correct on the time of writing.
Out there Add-Ons
Choose House Guarantee gives these 9 non-compulsory add-ons to its plans. As somebody who has bought a house with a septic system and effectively pump, I recognize the choice to cowl them throughout the sale course of or as a part of a contingency to the client in order that they really feel protected towards any sudden restore or alternative prices after closing.
- Central Vacuum: $3.33/month
- Garden Sprinkler System: $5.83/month
- Pool: $8.33/month
- Roof Leak: free
- Septic System: $5.83/month
- Spa: $5.83/month
- Stand-alone Freezer: $3.33/month
- Sump Pump: $3.33/month
- Effectively Pump: $3.33/month
Exclusions
Choose has these typical plan exclusions:
- Frequent areas in condominiums or multifamily properties
- Injury from pure disasters and rust
- Defects or damages brought on by the inspiration and construction of the house
- Incorrect set up or malfunctions on account of building injury or improper wiring
- Points with methods or home equipment associated to hazardous or poisonous supplies (for instance, mould, asbestos, and fuel leaks)
- Secondary injury (i.e., your property guarantee could cowl roof injury however received’t cowl water injury brought on by a roof leak)
- Photo voltaic heating methods
Editor’s Observe: Whereas this text highlights sure exclusions, it’s crucial for readers to overview their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions could apply.
Affordability: 9.1/10
I give Choose House Guarantee a powerful 9.1/10 score for its budget-friendly plans that provide complete protection with out breaking the financial institution. With month-to-month premiums of round $40 to $45 after reductions, Choose’s plans are $10 to $20 cheaper than the {industry} common, making them a lovely possibility for cost-conscious owners. This affordability extends throughout the corporate’s Bronze, Gold, and Platinum plans, which cowl important home equipment, methods, or each with out the massive value jumps of different suppliers. For house sellers, providing a Choose House Guarantee plan generally is a beneficial incentive for potential patrons, because it gives peace of thoughts and safety towards sudden restore prices for a low month-to-month premium.
Choose additionally stands out for its low service price of $75, which is decrease than the $100 or extra charged by many different suppliers. This decreased price generally is a main promoting level for owners who wish to reduce out-of-pocket bills in the event that they want repairs earlier than closing. Whereas Choose’s $3,000 per-appliance protection restrict is probably not sufficient for properties with high-end items, it’s greater than satisfactory for many properties with customary home equipment and methods. General, Choose House Guarantee’s aggressive pricing, decrease service price, and complete protection make it a best choice for budget-minded house sellers trying so as to add worth to their listings.
Buyer Expertise: 8.1/10
Choose House Guarantee’s dedication to offering a stress-free buyer expertise earns them a commendable 8.1/10 score from me. The corporate’s user-friendly web site clearly outlines its plans, pricing, coated gadgets, exclusions, and add-on choices in easy-to-understand language, making it quick and easy for owners to analysis what fits their wants and finances the perfect. This transparency is especially helpful for house sellers, because it permits them to rapidly and simply evaluate protection choices and choose a plan that provides worth to their itemizing with out the necessity for prolonged cellphone calls or in-person conferences.
Not like some opponents that badger clients with extreme follow-ups by cellphone calls, textual content messages, and emails, Choose House Guarantee maintains a refreshing deal with simplicity and readability all through the quote course of. Throughout my secret buying expertise, I appreciated not being pressured to take heed to complicated pitches or pointless back-and-forth communication over the cellphone. This hassle-free strategy units Choose aside from different suppliers and makes them a lovely selection for sellers who wish to supply the peace of thoughts of a house guarantee with out the frustration of coping with pushy gross sales representatives.
Firm Popularity: 8.0/10
Choose House Guarantee earns a good 8/10 score from me for its combined popularity amongst clients. It boasts a good B score from the Higher Enterprise Bureau and usually mediocre to optimistic opinions and scores of three.8/5 stars on Trustpilot and Google, praising its simple enrollment course of, useful customer support, skilled contractors, and swift repairs. That stated, there are additionally notable complaints about low reimbursements, denied protection, and unskilled technicians. For house sellers contemplating providing a Choose House Guarantee plan to potential patrons, it’s essential to weigh these potential drawbacks towards the corporate’s affordability and easy protection choices to ensure the added worth outweighs any doable issues.
| Score Web site | Score | Variety of Critiques |
| BBB | B / 1.39 out of 5 stars | 2,110 |
| Trustpilot | 3.8 out of 5 stars | 4,818 |
| 3.8 out of 5 stars | 19,830 |
Editor’s Observe: The rankings offered had been correct on the time of writing.
Claims Course of: 7.6/10
Choose House Guarantee’s claims course of is easy, permitting owners to submit requests on-line or by cellphone. The corporate’s 48-hour dispatch time for non-emergency repairs aligns with {industry} requirements. Nonetheless, this longer timeframe may be irritating for sellers and new owners alike when points like a failed air-con unit or washer come up, doubtlessly resulting in a delayed closing course of or a purchaser backing out of the sale. Nonetheless, Choose does supply 24/7 emergency help for vital points corresponding to burst pipes or damaged AC items, guaranteeing immediate consideration and minimizing well being and security dangers. Contemplating these elements, I give Choose House Guarantee a good 7.6/10 score for its claims course of.
Availability: 10/10
Choose House Guarantee gives its plans nationwide. If you happen to’re promoting a house, you may depend on Choose’s large community of high quality restore service suppliers to repair any points earlier than you checklist your property and any that pop up throughout the inspections throughout closing.
Finest Buyer Rankings
Elite House Guarantee
4.3
Our Score
Restricted Time:
$150 Off + 1 Month Free
One facet I recognize about Elite House Guarantee is its dedication to buyer satisfaction — it persistently earns spectacular 4.5- to 5-star rankings on trusted overview platforms like Google, Yelp, and Trustpilot. This stage of reward far surpasses the {industry}’s typical 2- to 3-star popularity, indicating that Elite goes above and past to ship top-notch service and promptly settle claims. Moreover, Elite’s beneficiant protection limits of $10,000 per system and $6,000 per equipment present owners and sellers with peace of thoughts, guaranteeing that even high-end gear is effectively protected. These greater limits generally is a beneficial promoting level for properties with premium home equipment and methods.
One downside of Elite House Guarantee that issues me is its $150 surcharge for emergency repairs exterior of standard enterprise hours. For house sellers, this coverage could also be a purple flag for potential patrons who need the peace of mind of complete protection with out hidden charges. One other facet of Elite House Guarantee that I don’t recognize is the corporate’s coverage of voiding workmanship ensures if owners select to make use of their very own trusted technicians as an alternative of these in Elite’s contractor community. This restriction limits flexibility and may be irritating for individuals who desire working with native professionals they’ve expertise with or know personally.
Backside Line: 8.6/10
What impresses me most about Elite House Guarantee is its unmatched protection limits, with caps reaching $10,000 for house methods and $6,000 for home equipment. These beneficiant maximums are two to 3 occasions greater than the everyday $2,000 to $3,000 provided by opponents corresponding to Liberty House Guard, American House Protect, and Choose House Guarantee. For owners with high-end home equipment and residential methods, Elite’s protection gives invaluable peace of thoughts — significantly interesting for house sellers, as providing a guaranty with such complete safety generally is a sturdy promoting level to potential patrons. It will possibly additionally assist forestall out-of-pocket prices for costly repairs and replacements for points discovered throughout the inspection course of.
One other standout function of Elite House Guarantee is its in depth choice of 26 add-ons, permitting owners to customise their protection to suit the distinctive wants of their property. This flexibility is effective for properties with specialised methods or home equipment that is probably not coated underneath customary plans. Nonetheless, you ought to be conscious that Elite prices a steep $150 surcharge for emergency repairs exterior of weekday enterprise hours, which may be problematic for pressing failures occurring on nights or weekends. Moreover, sure luxurious manufacturers could set off further service charges, and Elite excludes commercial-grade gear throughout all plans.
Contemplating these limitations, I give Elite House Guarantee a good, however nonetheless spectacular 8.6/10 score for its complete protection and suppleness. The corporate’s beneficiant protection maximums and in depth add-on choices make it a best choice for owners searching for to safeguard their costly family methods and home equipment with the very best limits obtainable within the {industry}. For sellers trying to supply potential patrons the peace of mind of complete safety, Elite House Guarantee is a robust contender.
Plans and Protection: 10/10
Elite House Guarantee’s plans earn an ideal 10/10 score from me for his or her unparalleled protection limits that far exceed {industry} requirements. With equipment protection as much as $6,000 per declare and system protection reaching a powerful $10,000, Elite gives two to 3 occasions extra safety than most opponents, corresponding to AFC House Guarantee, Liberty House Guard, and Choose House Guarantee. This in depth protection is especially beneficial for owners with high-end home equipment and methods, offering peace of thoughts within the face of pricey repairs. For sellers, providing a house guarantee with such beneficiant limits generally is a vital promoting level, demonstrating the property’s worth and attracting potential patrons.
Like different house guarantee corporations, Elite gives three primary plans: an appliances-only plan, a systems-only plan, and a combo plan known as Elite Full. I like to recommend the Elite Full plan for these searching for complete safety, because it bundles each equipment and system protection for under a slight improve in value in comparison with the person plans. Throughout my secret buying, Elite’s customer support reps provided a 30-day risk-free trial and a $150 low cost for signing up over the cellphone, making its top-tier safety much more accessible and budget-friendly.
| Plan | Month-to-month Price | Service Payment | Out there Reductions |
| Elite Equipment | $48.99 | $100 | $150 sign-up (cellphone), 30-day trial (cellphone) |
| Elite Programs | $52.99 | $100 | $150 sign-up (cellphone), 30-day trial (cellphone) |
| Elite Full | $59.99 | $100 | $150 sign-up (cellphone), 30-day trial (cellphone) |
Editor’s Observe: The associated fee information talked about on this article was sourced for a single-family, two-bedroom house underneath 5,000 sq. ft in Granger, IN. The associated fee information offered was correct on the time of writing.
Out there Add-Ons
EHW gives 26 add-on choices to its plans. For sellers, I significantly just like the reasonably priced add-on for HVAC annual upkeep. This may be a lovely perk to potential patrons because it helps be certain the HVAC system on their new house doesn’t break down.
- Attic exhaust fan: $69.99/12 months
- Central vacuum: $49.00/12 months
- Effluent pump: $99.99/12 months
- Ejector pump: $99.99/12 months
- Freestanding freezer: $59.99/12 months
- Freestanding ice maker: $59.99/12 months
- Freestanding spa gear: $119.99/12 months
- Generator: $99.99/12 months
- Geothermal heating and cooling System: $299.99/12 months
- Grinder pump: $99.99/12 months
- Visitor home: $299.99/12 months
- HVAC annual upkeep: $299.99/12 months
- Jetted/scorching Tub: $99.99/12 months
- Garden Sprinkler System: $99.99/12 months
- Elevate pump: $99.99/12 months
- Restricted roof leak restore: $99.99/12 months
- Pool & spa gear: $199.99/12 months
- Pool gear: $149.99/12 months
- Premium home equipment: $249.99/12 months
- Premium advantages: $199.99/12 months
- Premium methods: $299.99/12 months
- Premium methods plus: $499.99/12 months
- Septic system: $129.99/12 months
- Service traces: $349.99/12 months
- Sump pump: $99.99/12 months
- Swamp cooler: $149.99/12 months
- Water filtration system: $99.99/12 months
- Water softener: $99.99/12 months
- Effectively pump: $99.99/12 months
- Wine cooler: $69.99/12 months
Exclusions
Elite has the beneath exclusions to its house guarantee plans. These are typical in comparison with different suppliers.
- An absence of upkeep
- Acts of God
- Business-grade home equipment
- Beauty injury
- Pure disaster-related damages
- Items in a rental property
Editor’s Observe: Whereas this text highlights sure exclusions, it’s crucial for readers to overview their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions could apply.
Affordability: 8.7/10
Elite House Guarantee’s month-to-month premiums, starting from round $49 to $60, are aggressive with these of different suppliers within the {industry}, and its $100 service name price is on par with prime opponents. Nonetheless, after I spoke with Elite’s gross sales representatives, they weren’t clear and up entrance concerning the firm’s further charges, such because the $150 surcharges for weekend or emergency service and premium-brand technicians. This lack of transparency makes it difficult for sellers and actual property brokers who wish to be forthcoming to potential patrons when including a house guarantee as an inclusion to the sale. Whereas Elite gives a 30-day risk-free trial interval, permitting clients to vet plans earlier than absolutely committing, I nonetheless give the corporate’s affordability a good 8.7/10 score because of the hidden charges that may rapidly drive up bills as soon as a service contract begins.
Buyer Expertise: 7.6/10
Elite House Guarantee’s web site lacks the transparency and user-friendly quoting course of that lots of its opponents supply, making it difficult for owners to rapidly evaluate plans and costs. To obtain even fundamental premium estimates, potential clients should name them straight, and details about non-compulsory add-on prices is buried inside the web site. I discovered them three miles deep on a quote request affirmation display screen.
After I spoke with a gross sales consultant, they appeared unclear concerning the specifics of those further charges, which may very well be irritating for sellers making an attempt to supply correct data to potential patrons. Regardless of these preliminary hurdles, Elite House Guarantee does boast quite a few optimistic buyer opinions on respected websites just like the Higher Enterprise Bureau, Trustpilot, and Google, indicating that almost all owners are happy with the corporate’s responsive help and protection as soon as they signal a contract, incomes Elite a good 7.6/10 score from me for buyer expertise.
Firm Popularity: 8.3/10
As a comparatively new participant within the house guarantee {industry}, Elite House Guarantee has a restricted variety of on-line opinions, with fewer than 1,100 complete throughout platforms together with the BBB, Google, Trustpilot, and Yelp. This small pattern dimension negatively impacts its popularity rating, incomes it an 8.3/10 from me. That stated, the overwhelming majority of accessible suggestions is optimistic, with clients praising Elite’s quick claims dealing with, skilled contractors, budget-friendly costs, and distinctive service. The corporate’s A+ score and accreditation with the Higher Enterprise Bureau present additional reassurance of its dedication to addressing buyer issues promptly, which may be significantly necessary for sellers trying to supply a dependable guarantee as an inclusion to potential patrons.
| Score Web site | Score | Variety of Critiques |
| BBB | A+ / 4.97 out of 5 stars | 739 |
| Trustpilot | 4.7 out of 5 stars | 59 |
| 4.8 out of 5 stars | 146 | |
| Yelp | 4.8 out of 5 stars | 4 |
Editor’s Observe: The rankings offered had been correct on the time of writing.
Claims Course of: 6.8/10
Elite House Guarantee’s follow of charging a further $150 price for after-hours emergency protection is a big downside that earns the corporate a below-average 6.8/10 score from me for its claims course of. For sellers providing a house guarantee as a part of their listings, this extra price may very well be a purple flag for potential patrons who anticipate complete protection with out hidden prices.
On a extra optimistic be aware, Elite permits clients to file claims 24/7 on-line or by cellphone, which is now the usual follow within the {industry}. For non-emergency claims, Elite’s 24- to 48-hour response time is much like that of opponents, although it doesn’t exceed the {industry} common.
Availability: 10/10
Elite House Guarantee is obtainable in 47 U.S. states — excluding California, Texas, Washington, and Wisconsin. For sellers in all different states, you may depend on Elite’s native contractors to rapidly repair points together with your home equipment and methods earlier than you checklist it and after inspections.
Finest for Further Advantages
AFC House Guarantee
4.3
Our Score
Restricted Time:
$200 off + free roof leak protection
I like that AFC House Guarantee gives sellers a spread of distinctive perks that transcend customary equipment and system protection, setting it aside from different suppliers. These advantages embrace discounted house safety, medical care, credit score monitoring, and insurance coverage financial savings — inventive extras that no different house guarantee firm matches. By bundling these uncommon add-on protection choices alongside its sturdy core safety plans, AFC delivers nice worth to sellers trying to improve their house’s enchantment and streamline the promoting course of.
One concern I’ve with AFC House Guarantee is its variable protection caps, which might vary from $150 to $3,000 relying on the equipment or system. Sellers ought to rigorously overview every merchandise’s protection restrict to make sure they’ve satisfactory safety and keep away from shock gaps that would depart them uncovered to costlier repairs or replacements. Moreover, AFC’s lack of 24/7 emergency restore providers with out further charges may be problematic for sellers, as ready prolonged durations for vital repairs like cooling system failures throughout warmth waves is probably not doable and will doubtlessly delay the sale of the house.
Backside Line: 8.5/10
AFC House Guarantee gives sellers a user-friendly web site and customizable protection choices, setting it aside from many opponents. The corporate’s tiered plans and versatile service charges will let you tailor their guarantee to your particular wants, whereas its A+ BBB score and constant adherence to contract phrases present peace of thoughts throughout the promoting course of.
Nonetheless, sellers ought to pay attention to AFC’s decrease variable protection caps, which vary from $150 to $3,000 per merchandise. This can be a priority for these with high-end home equipment or methods, as potential patrons would possibly really feel much less protected. These variable caps are based mostly on obscure assessments of house home equipment and methods, which may be irritating for sellers who wish to supply a clear guarantee.
Even contemplating these limitations, AFC House Guarantee’s Diamond Plan is a stable selection for sellers, bundling methods, home equipment, roof leaks, and even private digital gadgets at an reasonably priced value. Whereas it has some gaps in emergency providers and protection caps, this plan fits the wants of most properties and may be a lovely promoting level. AFC’s 48-hour restore assure and lifelong workmanship assure guarantee well timed, high quality service when breakdowns happen. General, AFC earns my sturdy 8.5/10 total score.
Plans and Protection: 8.1/10
AFC House Guarantee gives 4 plan choices, offering sellers with the pliability to decide on the protection that most accurately fits their wants. The Silver Plan covers 9 main house home equipment, whereas the Gold Plan expands to incorporate 15 home equipment and methods like electrical, plumbing, and HVAC. The Platinum Plan additional extends protection to 18 home equipment and methods, together with microwaves and in-fridge ice makers. Nonetheless, the standout possibility is the Diamond Plan, which comprehensively covers house methods, home equipment, electronics, exterior traces, and even distinctive extras like roof leaks — a uncommon and beneficial function that may be particularly enticing to potential patrons.
Throughout my secret buying, I found enticing reductions, corresponding to $140 off annual insurance policies and $250 off three-year plans. When mixed with AFC’s already aggressive pricing and the Diamond Plan’s one-of-a-kind protection, sellers can supply a sturdy, tailor-made guarantee to patrons whereas maximizing their financial savings. The inclusion of non-public digital gadgets, corresponding to smartphones, tablets, and residential workplace gear, is a novel promoting level that units AFC aside from most suppliers. For its complete plans, distinctive perks, versatile service charges, and respectable add-ons, I price AFC House Guarantee a robust 8.1 out of 10.
| Plan | Month-to-month Price | Service Payment* | Out there Reductions |
| Silver Plan | $43.58, $46, $48.42 | $75, $100, or $125 | As much as $250 off, free roof leak safety |
| Gold Plan | $58.08, $60.50, $62.92 | $75, $100, or $125 | As much as $250 off, free roof leak safety |
| Platinum Plan | $62.92, $65.33, $67.75 | $75, $100, or $125 | As much as $250 off, free roof leak safety |
| Diamond Plan | $97.50, $99.92, or $102.33 | $75, $100, or $125 | As much as $250 off, free roof leak safety |
*If you happen to select the decrease service price of $75, you pay the upper month-to-month premium. For instance, the $48.42 price for the Silver plan pairs with the $75 service price.
Editor’s Observe: The associated fee information talked about on this article was sourced for a single-family, two-bedroom house underneath 5,000 sq. ft in Granger, IN. The associated fee information offered was correct on the time of writing.
Out there Add-Ons
AFC House Guarantee has the next non-compulsory add-ons to its plans. For owners who wish to add an AFC plan as an inclusion to a sale, protection for unusual methods and home equipment like built-in microwaves, double ovens, septic methods, and in-ground swimming pools are an added bonus.
- Constructed-in microwave: $50/12 months
- Central vacuum: $25/12 months
- Double oven: $25/12 months
- Electronics protection: $24.99/month
- Sizzling water dispenser: $25/12 months
- Ice maker: $25/12 months
- In-ground pool: $100/12 months
- In-ground pool and spa: $150/12 months
- Roof leak (free, value $25/12 months)
- Septic system: $50/12 months
- Stand-alone freezer: $25/12 months
- Sump pump: $35/12 months
- Effectively pump: $50/12 months
Exclusions
AFC has the next exclusions to their house guarantee plans, that are typical amongst different suppliers:
- Crane leases wanted to maneuver home equipment or methods
- Geothermal heating methods
- Haul-away providers
- Lighting fixtures
- Malfunction or injury brought on by acts of God
- Code violations
- Home equipment and methods not correctly maintained
Editor’s Observe: Whereas this text highlights sure exclusions, it’s crucial for readers to overview their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions could apply.
Affordability: 9.1/10
AFC House Guarantee stands out for its affordability and suppleness, with plans beginning at underneath $45 monthly for important equipment or system protection and its complete Diamond Plan priced at a aggressive $97 month-to-month. These reasonably priced charges earn it an amazing 9.1/10 score. The corporate’s service price choices of $75, $100, or $125 per restore go to permit sellers to customise their plans based mostly on their monetary preferences and the wants of potential patrons. Nonetheless, it’s necessary for sellers to rigorously overview the fantastic print in a pattern contract, as sure gadgets could have decrease protection caps starting from $150 to $500 for gadgets like microwaves, regardless of the marketed $3,000 limits. That stated, the house gadgets with decrease limits have enough protection (i.e., you don’t want $3,000 to exchange a microwave).
Buyer Expertise: 9.2/10
AFC House Guarantee’s buyer expertise is top-notch, incomes a 9.2/10 score in my e-book. The corporate’s user-friendly web site makes it simple for sellers to customise insurance policies that go well with their wants and budgets whereas offering clear instance agreements that clearly define protection specifics for every plan. I recognize AFC’s non-pushy gross sales strategy and 24/7 availability, which may be extremely beneficial for sellers coping with pressing points that will come up throughout the promoting course of. Furthermore, buyer suggestions persistently praises AFC’s wonderful communication and the professionalism of its technicians when dealing with claims, giving sellers peace of thoughts and a optimistic expertise all through the guarantee interval.
Firm Popularity: 8.3/10
AFC House Guarantee has been BBB accredited since 2015, reflecting its dedication to dependable service and buyer satisfaction over its 14 years in enterprise and incomes my stable 8.3/10 score for its popularity. Regardless that AFC has fewer on-line opinions in comparison with main opponents, it holds a good 3.7 rating on Google, with many opinions spotlighting its immediate technician dispatch, easy claims course of, high quality repairs, and truthful reimbursements. That stated, some destructive opinions point out protection gaps, denied claims, cancellation charges, or contract misunderstandings. Nonetheless, AFC swiftly addresses and resolves all BBB complaints — remedying greater than 140 circumstances previously three years. That is reassuring for sellers trying to supply a good guarantee to potential patrons.
| Score Web site | Score | Variety of Critiques |
| BBB | B / 2.59 out of 5 stars | 170 |
| Trustpilot | 3.0 out of 5 stars | 24 |
| 3.7 out of 5 stars | 1,589 | |
| Yelp | 1.9 out of 5 stars | 337 |
Editor’s Observe: The rankings offered had been correct on the time of writing.
Claims Course of: 6.8/10
AFC House Guarantee’s claims course of has its strengths and weaknesses, incomes them a subpar 6.8/10 score. On the optimistic facet, the corporate’s life-of-contract workmanship assure is a standout function that may be significantly interesting to sellers, because it ensures that any repairs made throughout the guarantee interval might be coated with out further service name charges to the client. Nonetheless, AFC’s lack of 24/7 emergency restore choices throughout nights, weekends, or holidays is a big downside that may very well be problematic for sellers if a coated merchandise breaks down throughout the promoting course of — doubtlessly delaying the time limit. Whereas AFC typically maintains a regular response time of 24 to 48 hours, sellers must be conscious that the corporate is closed on nationally acknowledged holidays, doubtlessly leading to delayed service request assignments.
Availability: 10/10
AFC House Guarantee’s plans can be found to sellers in 48 states — excluding California and Hawaii. With AFC’s wide-spanning protection, you may depend on its sturdy community of contractors for repairs earlier than and through your actual property sale.
Calculate the Price of Sellers House Guarantee
To assist finances for a brand new house guarantee plan, use our calculator beneath. Simply sort within the month-to-month premium, service name price, and estimated variety of service visits in a 12 months. The software will then output the entire annual value for a brand new plan that will help you with budgeting. However bear in mind, if the house guarantee is within the purchaser’s title, you received’t be answerable for the service name charges after the sale.
| Equipment | Common Restore Price | Common Substitute Price |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Followers | $16–$300 | $250–$950 |
| Electrical Vary | $100–$500 | $230–$3,000 |
| Fuel Vary | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Fridge | $40–$350 | $200–$5,000 |
Often Requested Questions
Do You Want a House Guarantee for Sellers?
A house guarantee generally is a beneficial asset for sellers, offering monetary safety towards sudden repairs and replacements throughout the itemizing interval. It will possibly additionally function a lovely promoting level, demonstrating to potential patrons that the house has been well-maintained and is protected towards future points so long as the plan is in place.
How A lot Does a House Guarantee Price for Sellers?
The typical value of a house guarantee for sellers is round $300 to $600 per 12 months, relying on the extent of protection and the supplier chosen. To study extra concerning the elements that affect house guarantee prices, take a look at our complete information on house guarantee pricing.
How To Save Cash When Looking for House Warranties for Sellers?
To economize when searching for house warranties as a vendor, I like to recommend evaluating quotes from a number of suppliers and thoroughly reviewing the protection choices to make sure you’re not paying for pointless add-ons. Moreover, search for suppliers providing seller-specific reductions or promotions which will help you safe the perfect charges. If you happen to’re shopping for a plan earlier than you checklist your property available on the market, be sure you can switch it to the brand new house owners.
Is a House Guarantee Value It for Sellers?
A house guarantee is value it for sellers as a result of it could present peace of thoughts throughout the typically irritating promoting course of, defending your finances from sudden restore prices and enhancing your property’s marketability. To study extra about the advantages of house warranties and whether or not they’re proper on your state of affairs, learn our article on whether or not house warranties are definitely worth the funding.
Different Guarantee Assets for Householders
Finest House Warranties by State
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