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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 best way. One of the crucial vital issues for sellers is the potential for surprising 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 resembling complicated contracts, denied claims, and subpar service from some suppliers. To assist sellers navigate this complicated panorama and discover dependable protection, I carried out an in-depth evaluation of the highest residence guarantee firms catering to sellers. Utilizing At present’s Home-owner’s stringent ranking standards, I evaluated every supplier’s protection choices, price, customer support, and repute.
By way of my in depth analysis, which included secret purchasing, evaluation of pattern contracts, and examination of buyer critiques, I discovered the most effective residence guarantee firms 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 in all these greatest residence guarantee firms, residence sellers can defend their budgets from surprising restore prices, improve their residence’s marketability, and supply added worth to potential patrons.
Why Belief Us?
Right here’s how we ranked and reviewed the nation’s high residence guarantee firms to carry you probably the most correct data.
76
Our staff of specialists reviewed over 70 residence guarantee suppliers to check plan choices, protection limits, costs, and buyer suggestions.
152
We collected over 100 pattern quotes from dozens of residence guarantee firms to present you an correct have a look at {industry} pricing.
6
Our ranking system scores suppliers based mostly on 6 key components: protection choices, affordability, buyer expertise, repute, claims processes, and availability.
Learn our full Dwelling Guarantee Assessment Methodology for extra particulars.
Prime 5 Dwelling Guarantee Corporations
Highlights
- Liberty Dwelling Guard stands out for its flexibility, permitting sellers to customise their protection with add-ons like pest management, pool/spa tools, turbines, and even carpet cleansing, guaranteeing the coverage covers precisely what the house wants throughout the itemizing interval.
- American Dwelling Protect affords sellers peace of thoughts with its spectacular observe file of responding to most claims inside 24 hours, which is essential for getting programs like AC or heating again up and working shortly to maintain the house snug and enticing to potential patrons.
- When deciding on a house guarantee plan as a vendor, make sure you look carefully at protection caps, exclusions, and repair charges to keep away from surprises throughout the promoting course of, and contemplate making the most of any limited-time promotions or reductions to get probably the most worth.
My Knowledgeable Suggestion
At present’s Home-owner Ideas
After in depth analysis into residence guarantee suppliers catering to sellers, Liberty Dwelling Guard (LHG) emerged as my best choice for its unparalleled flexibility and customization choices.
After in depth analysis into residence guarantee suppliers catering to sellers, Liberty Dwelling 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 residence’s particular wants. As somebody who not too long ago bought a house, I perceive the worth of getting a guaranty plan that addresses the distinctive options and potential ache factors of your house.
For sellers with high-end home equipment and programs, I additionally advocate contemplating American Dwelling Protect (AHS). This well-established supplier affords beneficiant protection limits of $4,000 for home equipment and $5,000 for residence programs, which may present peace of thoughts when defending costly tools. 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 residence warranties include exclusions, the customization potential from Liberty Dwelling Guard and the in depth protection limits from American Dwelling Protect make them each robust contenders for safeguarding your house throughout the promoting course of.
At present’s Home-owner Ideas
Sellers can use residence warranties to their benefit in two other ways throughout the actual property gross sales course of.
The primary is by securing a house guarantee plan earlier than you promote so you should utilize the protection to restore any residence home equipment and programs with issues (look out for suppliers excluding preexisting points). The house guarantee can even promptly resolve equipment and system points {that a} residence 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 method is by securing a house guarantee within the purchaser’s title throughout or after closing. This incentive offers residence patrons peace of thoughts that they gained’t be on the hook for surprising, costly repairs and replacements proper after plunking down an enormous sum of cash on their new residence.
Dwelling Guarantee Corporations for Sellers I Didn’t Embody
Throughout my analysis, I strongly thought of First American Dwelling Guarantee (FAHW), a widely known residence guarantee supplier, however selected to not embody it as a high advice for sellers. My predominant motive 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 immediately serve all 35 states listed on its web site. After I tried getting a quote for my present Indiana residence, I used to be redirected to a third-party website. This third social gathering then emailed me quotes from competing residence guarantee firms (Liberty, Selection, American Dwelling Protect) as a substitute of FAHW itself. That stated, I did get a direct quote from FAHW for a colleague’s California residence.
I additionally determined to not embody Selection Dwelling Guarantee in my high picks for residence sellers. Selection is coping with an energetic shopper fraud lawsuit with the Arizona Legal professional 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 advocate Selection. As a vendor, the very last thing you need is to be related to a house guarantee firm that has a questionable repute, because it may doubtlessly hurt your sale.
Examine The Highest Rated Dwelling Warranties for Sellers
Quote and price information gathered January 2024. Price information are up to date and monitored constantly.
Our Evaluations of the Finest Dwelling Warranties for Sellers
Finest for Customization
Liberty Dwelling Guard
4.6
Our Ranking
Restricted Time:
$200 Off + 2 Months free + Free Roof Leak Protection
I recognize Liberty Dwelling 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 invaluable for sellers, because it allows them to showcase complete safety for his or her residence’s particular programs and home equipment, making the property extra enticing to potential patrons. For instance, if your house boasts a pool, spa, or septic system, Liberty lets you embody protection for these things, demonstrating to patrons that you simply’ve taken further steps to ensure a easy transition of possession.
Furthermore, I’m impressed by Liberty Dwelling Guard’s dedication to buyer satisfaction, as proven by their spectacular 4.7-star scores on each Google and Trustpilot. In an {industry} the place many suppliers wrestle to keep up a 3-star common, Liberty’s persistently excessive marks for responsive service give me confidence that they’ll be there to assist sellers all through the itemizing and sale course of. Moreover, their 60-day workmanship assure, which surpasses the {industry} normal of 30 days, gives added peace of thoughts for each sellers and patrons, guaranteeing that any points that come up after a restore shall be promptly addressed.
Whereas Liberty Dwelling Guard’s in depth record of non-obligatory add-ons is spectacular, I don’t like that these additions come at a comparatively excessive price, averaging round $15 per 30 days. Compared, some opponents, resembling Elite Dwelling Guarantee, cost as little as $6 for extra protection. Which means sellers trying to create a complete plan tailor-made to their residence’s distinctive options might face considerably larger month-to-month premiums with Liberty.
One other concern I’ve with Liberty Dwelling Guard is their comparatively low protection limits. With maximums topping out at simply $2,000 for residence home equipment, Liberty’s caps are two to a few instances decrease than suppliers like American Dwelling Protect and Elite Dwelling Guarantee, which provide as much as $4,000 and $6,000 in safety, respectively. As a vendor, which means if it’s essential change 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 residence guarantee supplier, Liberty Dwelling Guard is my high advice. With plans beginning at round $50 per 30 days, Liberty affords complete protection and a formidable array of over 40 distinctive add-ons, permitting you to tailor your safety to your house’s particular options. This distinctive stage of customization is among the predominant causes I give Liberty a strong 9.3/10 ranking.
Liberty additionally shines within the customer support division, boasting a 4.7-star ranking on each Google and Trustpilot and a 4.5-star ranking on the BBB. Sellers can have peace of thoughts realizing that Liberty is devoted to offering quick claims processing and responsive assist all through the itemizing and sale course of. Moreover, their 60-day workmanship assure, which is double the {industry} normal, ensures that any points with repairs shall be promptly addressed, even after the sale.
Nonetheless, it’s essential to notice that Liberty’s protection caps max out at $2,000 per merchandise. Whereas this restrict is a lot for most traditional home equipment and programs, it might not totally cowl repairs or replacements for high-end or luxurious manufacturers. In case you have top-of-the-line home equipment, resembling Viking or Sub-Zero, you may wish to contemplate suppliers resembling American Dwelling Protect or Elite Dwelling Guarantee that supply larger protection limits. Regardless of these limitations, I consider that Liberty Dwelling Guard is a wonderful alternative for most individuals promoting their properties.
Plans and Protection: 10/10
Liberty Dwelling Guard receives a formidable 10/10 ranking from me for its potential to supply sellers with versatile, complete protection at aggressive costs. With three predominant plans — Equipment Guard, Methods Guard, and Whole Dwelling Guard — Liberty affords a variety of choices to swimsuit completely different wants and budgets.
For many sellers, I like to recommend the Whole Dwelling Guard plan, which mixes in depth protection for each home equipment and programs. At simply $60 per 30 days, this plan gives peace of thoughts realizing that your house’s important elements are protected if you put your house available on the market. Whereas the Equipment Guard and Methods Guard plans are extra reasonably priced, beginning at round $50 and $55 per 30 days, respectively, I consider the added protection of the Whole Dwelling Guard plan is properly well worth the barely larger price.
Certainly one of Liberty’s standout options is its big selection of non-obligatory add-ons, permitting sellers to customise their protection to their residence’s distinctive options. With over 40 add-ons, together with choices like restricted roof leak safety, pest management, and even re-key companies, you possibly can create a plan that addresses your property’s particular wants and potential issues for patrons. Nonetheless, it’s essential to notice that these add-ons come at an extra price, starting from $4 to $36 per 30 days, which may shortly add up should you require a number of extras.
One other issue to contemplate is Liberty’s service name charge, which ranges from $65 to $125 per go to, relying on the kind of service you want. Whereas that is larger than the {industry} common of $75, Liberty does supply a 60-day workmanship assure, offering added assurance that any points with repairs shall be addressed promptly and at no further price to you. Moreover, hold an eye fixed out for seasonal promotions and reductions, such because the $225 coupon I discovered throughout my secret purchasing, which may 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) |
| Methods Guard | $54.99 | $65 – $125 | 2 months free (on-line), $225 off coupon (on-line) |
| Whole Dwelling Guard | $59.99 | $65 – $125 | 2 months free (on-line), $225 off coupon (on-line) |
Editor’s Notice: The price information talked about on this article was sourced for a single-family, two-bedroom residence beneath 5,000 sq. toes in Granger, IN. The price information offered was correct on the time of writing.
Out there Add-Ons
Liberty Dwelling Guard has the next non-obligatory add-ons to its plans. If the house you’re promoting has distinctive programs or residence home equipment, like a generator, pool, sprinkler system, or properly pump, that you simply plan to incorporate within the sale, you possibly can simply add protection for them.
You may also add helpful companies that the client can use to get their residence 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
- Prompt sizzling water dispenser: $9.99/month
- Garden sprinkler system: $9.99/month
- Lighting: $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
- Nicely 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 automobiles required to put in, take away, or entry your home equipment or residence programs
- Disposal of home equipment, programs, or elements
- Electronics, computerized, “good,” or Web/enabled elements and elements
- Filters related to any coated gadgets
- Hearth sprinkler programs
- Flues, vents, chimneys, and exhaust traces
- Glass elements
- Lighting
- Malfunction or injury brought on by acts of God
- Noise
- Radon and different leak detection monitoring programs
- Distant receiving and transmitting units
- Photo voltaic programs and purposes
Editor’s Notice: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions might apply.
Affordability: 8.9/10
Liberty Dwelling Guard earns a powerful 8.9/10 ranking from me for its affordability. With base plans beginning at round $50 per 30 days, Liberty’s pricing aligns with {industry} averages, making it an accessible possibility for many sellers. Nonetheless, it’s essential to notice that Liberty’s add-ons, which let you customise your protection, are typically dearer than these of different suppliers. Most add-ons price over $15 per 30 days, in comparison with the $6 to $13 vary provided by opponents, together with American Dwelling Protect and Elite Dwelling Guarantee.
One other issue to contemplate is Liberty’s service charge, which ranges from $65 to $125 per declare. That is larger than the charges charged by many different residence guarantee firms. Moreover, Liberty solely covers gadgets as much as their “guide worth” (the estimated depreciated worth of an merchandise) quite than their full substitute price, which may depart you with out-of-pocket bills if a high-value merchandise fails. It’s additionally price noting that Liberty’s per-item protection caps max out at $2,000, which is decrease than the bounds of opponents like Elite Dwelling Guarantee ($6,000) and American Dwelling Protect ($3,000). Regardless of these potential drawbacks, Liberty stands out for its protection of distinctive home equipment and programs, making it a beautiful possibility for sellers with high-end or specialised gadgets.
Buyer Expertise: 7.8/10
I give Liberty Dwelling Guard a strong 7.8/10 ranking for buyer expertise. After I carried out my secret purchasing, I discovered the web quoting system to be clear and user-friendly, permitting sellers to simply evaluate protection choices and personalize their plans to suit their residence’s distinctive wants. When you’re signed up, Liberty affords a number of contact choices, together with cellphone, e mail, and on-line chat, guaranteeing immediate assist when points come up. Whereas not the most effective 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 Status: 9.1/10
Liberty Dwelling Guard has shortly established itself as a best choice for sellers searching for dependable residence guarantee safety, incomes a formidable 9.1/10 ranking from me for its repute. Throughout 1000’s of critiques 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 situation decision. The corporate’s overwhelmingly optimistic 4.5- to 4.7-star scores display its dedication to placing folks first, setting it aside from opponents within the {industry}.
Nonetheless, Liberty not too long ago skilled a brief setback — after a slew of current complaints, the BBB revoked its A+ ranking. Nonetheless, after talking with a rep on the BBB, I found that it is a normal process whereas they completely evaluation the complaints. Liberty has gone via this similar course of a number of instances within the current previous and had its A+ ranking restored after the BBB’s analysis. I’m assured the identical will occur on this case. For sellers on the lookout for a house guarantee supplier with an excellent repute and a dedication to buyer satisfaction, Liberty Dwelling Guard continues to be my best choice.
| Ranking Website | Ranking | Variety of Evaluations |
| 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 Notice: The scores offered have been correct on the time of writing.
*Notice (as of 4/4/24): The Higher Enterprise Bureau not too long ago shifted LHG’s A+ ranking to “NR.” We reached out to a consultant from the Higher Enterprise Bureau, they usually advised us, “This enterprise isn’t presently rated. BBB has not too long ago obtained quite a few complaints towards this enterprise and can situation a ranking after it has totally evaluated them.” When requested about whether or not they revoke scores after a rise in complaints, the rep stated, “Sure, in the event that they really feel they should evaluation the complaints first earlier than issuing an correct ranking.” This state of affairs has occurred to LHG twice within the final two years, however every time the BBB has restored its A+ ranking after a radical evaluation.
Claims Course of: 10/10
Liberty Dwelling Guard stands out amongst residence guarantee suppliers with its distinctive claims course of, incomes an ideal 10/10 ranking from me. With a formidable 12-hour common response time and important emergency restore choices that many opponents lack, Liberty ensures that sellers can shortly tackle 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 accredited 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 Dwelling Guard gives its plans in all 50 U.S. states, incomes it an ideal 10/10 ranking. With nationwide protection, you possibly can add a house guarantee plan to your house sale to make the actual property course of smoother and entice extra patrons.
Finest Protection Limits
American Dwelling Protect
4.3
Our Ranking
Restricted Time:
40% Off Our Most Common Plan
One of many standout options I recognize about American Dwelling 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 might have. I additionally like that AHS affords protection for rust, corrosion, and even preexisting circumstances, offering complete safety for properties throughout the actual property promoting course of.
Furthermore, AHS impresses me with its robust protection caps, providing as much as $5,000 for residence programs and $4,000 for home equipment. These beneficiant limits give me peace of thoughts, realizing that even high-end gadgets are coated. One other distinctive facet I recognize is that AHS is among the few suppliers that gives roof leak safety, both as an add-on or included with its premium plan. This protection may be significantly invaluable for sellers, because it helps seal up small roof leaks that might derail a sale.
Regardless of American Dwelling Protect’s in depth expertise within the residence guarantee {industry}, I’m involved concerning the excessive quantity of unfavourable critiques the corporate has obtained in recent times. AHS has garnered a disproportionate variety of complaints with the BBB in comparison with its opponents, with many purchasers citing points resembling 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 scores on each Trustpilot and Yelp elevate pink flags about its general reputability, particularly contemplating its lengthy standing presence available in the market.
Backside Line: 8.6/10
American Dwelling Protect earns a strong 8.6/10 general ranking from me for its robust protection choices and beneficiant limits that outshine these of virtually all opponents. With spectacular protection caps of as much as $5,000 for programs and $4,000 for home equipment, AHS gives sellers with peace of thoughts, particularly for these with high-end gadgets. Solely Elite Dwelling Guarantee has larger limits ($6,000 for home equipment and $10,000 for programs). Throughout my secret purchasing, I discovered AHS’s web site and quotes easy, making it simple to check 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 assist throughout the nation. Nonetheless, some reviewers have reported prolonged restore delays, and the corporate’s 30-day workmanship assure falls in need of these of rivals like Elite Dwelling Guarantee, which affords a 90-day assure, and AFC Dwelling Membership’s lifetime assure.
Whereas AHS’s lower-tier plans cowl fewer home equipment and programs in comparison with these of entry-level choices from opponents, the ShieldPlatinum plan affords complete safety at solely a slight enhance in price. This plan nonetheless beats comparable choices from different suppliers when it comes to pricing and protection. Regardless of some drawbacks, American Dwelling Protect stays a powerful alternative for sellers searching for confidence in defending their invaluable residence programs and home equipment throughout the itemizing course of.
Plans and Protection: 9/10
American Dwelling Protect (AHS) earns a powerful 9/10 ranking from me for its plans and protection choices. The corporate affords three plans for sellers: ShieldSilver, ShieldGold, and ShieldPlatinum. Whereas AHS’s service charges, starting from $100 to $125, are larger 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 larger service charges based mostly on their price range and desires.
The ShieldPlatinum plan stands out as probably the most complete possibility, providing distinctive options like roof leak protection, free HVAC tune-ups, and allowances for code violations, permits, and tools 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 previous, improperly put in gadgets and preexisting circumstances, which many opponents exclude. This in depth safety is especially invaluable for sellers with older properties or complicated programs 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) |
*When you select the decrease service charge 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 charge.
Editor’s Notice: The price information talked about on this article was sourced for a single-family, two-bedroom residence beneath 5,000 sq. toes in Granger, IN. The price information offered was correct on the time of writing.
Out there Add-Ons
American Dwelling Protect affords the next add-on choices to its plans. For sellers, I discover the roof leak restore protection probably the most invaluable as you should utilize 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 tools: $18/month
- Roof leak restore: $10/month
- Septic pump: $5/month
- Nicely pump: $8/month
Exclusions
AHS has the beneath industry-standard exclusions for all three of its plans:
- Injury as a result of pets or pests
- Failure to correctly clear or keep residence programs or home equipment
- Basis or structural injury
- Improper set up, improper wiring, or injury brought on by development exercise
- Producer’s defect
- Misuse or human error
- Malfunction or injury as a result of pure disasters
- Neglect, rust, corrosion, or sediment
- Elimination of hazardous supplies resembling asbestos, lead, or different poisonous supplies
Editor’s Notice: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions might apply.
Affordability: 8.7/10
American Dwelling Protect receives an 8.7/10 ranking from me for affordability, primarily as a result of its larger protection limits that may save sellers cash up entrance if they should restore or change costly residence programs 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 ideas for securing the most effective deal. The pattern contract I obtained clearly outlined the protection limits, that are considerably larger than these of many opponents. For instance, AHS affords as much as $5,000 for HVAC programs and $3,000 for swimming pools, whereas others resembling Liberty Dwelling Guard typically cap system protection at round $2,000.
Though American Dwelling Protect’s month-to-month charges and repair charges (starting from $100 to $125 per service name) are above common, I consider the improved protection justifies the additional price. For sellers with high-end home equipment or distinctive programs that will be costly to restore or change with out ample protection, the peace of thoughts offered by AHS’s larger protection caps may be properly well 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 invaluable, making it worth for sellers who need complete safety.
Buyer Expertise: 8.4/10
American Dwelling Protect receives an 8.4/10 ranking from me for buyer expertise. Throughout my secret purchasing, I discovered the corporate’s web site to be user-friendly when acquiring quotes and evaluating pricing for various plans. AHS additionally affords 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 instances of some opponents.
However, I’ve issues about American Dwelling Protect’s responsiveness to buyer inquiries. I discovered quite a few complaints about unreturned calls and messages, which may be significantly irritating for sellers after they want help with a breakdown or different downside. Regardless of these communication issues, AHS does supply some benefits, resembling assigning every buyer an account supervisor and offering a number of contact strategies. This accessibility may help mitigate points with particular person reps and demonstrates a dedication to bettering responsiveness.
Firm Status: 7.7/10
American Dwelling Protect receives a good 7.7/10 ranking from me for its blended repute. Whereas it affords handy 24/7 assist 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 price noting that some unfavourable suggestions seems to stem from misunderstandings over contract particulars, emphasizing the significance of completely studying and understanding the coverage earlier than signing up. Plus, AHS has 1000’s of extra critiques on Google, the place it holds a powerful 4.5/5 star ranking.
| Ranking Website | Ranking | Variety of Evaluations |
| 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 Notice: The scores offered have been correct on the time of writing.
Claims Course of: 8.4/10
American Dwelling Protect earns a powerful 8.4/10 ranking from me for its user-friendly claims course of and 24/7 customer support availability. The power 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 residence’s restore historical past via the web account dashboard, providing transparency and decreasing stress all through the method. Whereas some critiques point out cases of unreturned calls and messages, AHS takes steps to remove communication points by assigning devoted account managers and offering a number of contact strategies and individuals.
Availability: 10/10
American Dwelling Protect affords residence guarantee plans in all U.S. states moreover Alaska. With its extensive community of skilled contractors, you possibly can rely on AHS for swift repairs on the home equipment and programs within the residence you’re promoting.
Finest Worth
Choose Dwelling Guarantee
4.2
Our Ranking
Restricted Time:
$150 Off (Code HOUSE25)
Choose Dwelling Guarantee (SHW) affords a number of the most budget-friendly protection choices I’ve seen, with month-to-month premiums beginning at simply $44 (with recurrently provided reductions). I recognize that even their most complete plan tops out at solely $48 per 30 days, making it accessible for a lot of residence sellers. SHW additionally has an inexpensive $75 service name charge, 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 price, whereas most different firms both exclude this safety completely or solely supply it as an non-obligatory add-on.
Whereas Choose Dwelling Guarantee’s affordability is interesting, I’m upset by the corporate’s restricted customization choices, with solely 9 add-ons out there in comparison with opponents like Liberty Dwelling Guard, which affords over 40 decisions. 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 householders from selecting their most well-liked restore contractors, which limits the management over who works on your house. Lastly, its rigid $75 plan cancellation charge appears to prioritize its personal pursuits over the wants of shoppers.
Backside Line: 8.4/10
I give Choose Dwelling Guarantee an 8.4/10 ranking for its easy, reasonably priced residence safety plans that cater to budget-conscious householders. With its Bronze Care, Gold Care, and Platinum Care choices protecting home equipment, programs, or a mix of each, SHW makes it simple to seek out the suitable protection to 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 Dwelling Protect and Liberty Dwelling Guard. These reasonably priced charges can result in vital financial savings over time for cost-conscious residence sellers.
Nonetheless, Choose’s $3,000 protection cap per merchandise might not be sufficient for changing higher-end programs or home equipment. Sellers with dearer or specialised tools may wish to contemplate suppliers like Elite Dwelling Guarantee or American Dwelling Protect, which provide larger protection limits of as much as $10,000 and $6,000, respectively, in addition to a broader vary of non-obligatory add-ons. Earlier than signing up with Choose, assess the worth of your present residence programs and home equipment to ensure you have ample protection to your particular wants.
Plans and Protection: 8.3/10
Choose Dwelling Guarantee earns a strong 8.3/10 ranking from me for its easy and important protection choices. The corporate affords three predominant plans: Bronze Take care of home equipment, Gold Take care of programs, 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 per 30 days in comparison with the opposite plans. Choose’s clear strategy to residence guarantee protection units it aside from opponents that always have complicated packages and terminology. This simplicity may be particularly helpful for residence sellers who wish to present potential patrons with a transparent understanding of the safety it contains.
Nonetheless, Choose’s $3,000 protection caps might not be sufficient for properties with higher-end or costly home equipment or programs, as substitute prices can simply exceed this restrict. Rivals like American Dwelling Protect and Elite Dwelling Guarantee supply limits two to a few instances larger, 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 residence options. Regardless of these limitations, Choose Dwelling Guarantee affords reasonably priced, no-nonsense protection that caters to the important wants of most householders and may be a beautiful 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 price figures offered embody the discounted price provided at time of writing ($16 off month-to-month pricing_. Choose Dwelling Guarantee has been working this promotion for the reason that starting of this 12 months.
Editor’s Notice: The price information talked about on this article was sourced for a single-family, two-bedroom residence beneath 5,000 sq. toes in Granger, IN. The price information offered was correct on the time of writing.
Out there Add-Ons
Choose Dwelling Guarantee affords these 9 non-obligatory add-ons to its plans. As somebody who has bought a house with a septic system and properly pump, I recognize the choice to cowl them throughout the sale course of or as a part of a contingency to the client so that they really feel protected towards any surprising restore or substitute 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
- Nicely 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 muse and construction of the house
- Incorrect set up or malfunctions as a result of development injury or improper wiring
- Points with programs or home equipment associated to hazardous or poisonous supplies (for instance, mould, asbestos, and fuel leaks)
- Secondary injury (i.e., your house guarantee might cowl roof injury however gained’t cowl water injury brought on by a roof leak)
- Photo voltaic heating programs
Editor’s Notice: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions might apply.
Affordability: 9.1/10
I give Choose Dwelling Guarantee a formidable 9.1/10 ranking for its budget-friendly plans that supply 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 beautiful possibility for cost-conscious householders. This affordability extends throughout the corporate’s Bronze, Gold, and Platinum plans, which cowl important home equipment, programs, or each with out the large value jumps of different suppliers. For residence sellers, providing a Choose Dwelling Guarantee plan could be a invaluable incentive for potential patrons, because it gives peace of thoughts and safety towards surprising restore prices for a low month-to-month premium.
Choose additionally stands out for its low service charge of $75, which is decrease than the $100 or extra charged by many different suppliers. This lowered charge could be a main promoting level for householders who wish to decrease out-of-pocket bills in the event that they want repairs earlier than closing. Whereas Choose’s $3,000 per-appliance protection restrict might not be sufficient for properties with high-end items, it’s greater than ample for many properties with normal home equipment and programs. Total, Choose Dwelling Guarantee’s aggressive pricing, decrease service charge, and complete protection make it a best choice for budget-minded residence sellers wanting so as to add worth to their listings.
Buyer Expertise: 8.1/10
Choose Dwelling Guarantee’s dedication to offering a stress-free buyer expertise earns them a commendable 8.1/10 ranking 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 householders to analysis what fits their wants and price range the most effective. This transparency is especially helpful for residence sellers, because it permits them to shortly 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.
In contrast to some opponents that badger clients with extreme follow-ups via cellphone calls, textual content messages, and emails, Choose Dwelling Guarantee maintains a refreshing concentrate on simplicity and readability all through the quote course of. Throughout my secret purchasing 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 beautiful alternative 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 Status: 8.0/10
Choose Dwelling Guarantee earns a good 8/10 ranking from me for its blended repute amongst clients. It boasts a good B ranking from the Higher Enterprise Bureau and customarily mediocre to optimistic critiques 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 residence sellers contemplating providing a Choose Dwelling 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 attainable issues.
| Ranking Website | Ranking | Variety of Evaluations |
| 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 Notice: The scores offered have been correct on the time of writing.
Claims Course of: 7.6/10
Choose Dwelling Guarantee’s claims course of is simple, permitting householders 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 householders 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 resembling burst pipes or damaged AC items, guaranteeing immediate consideration and minimizing well being and security dangers. Contemplating these components, I give Choose Dwelling Guarantee a good 7.6/10 ranking for its claims course of.
Availability: 10/10
Choose Dwelling Guarantee affords its plans nationwide. When you’re promoting a house, you possibly can rely on Choose’s extensive community of high quality restore service suppliers to repair any points earlier than you record your house and any that pop up throughout the inspections throughout closing.
Finest Buyer Rankings
Elite Dwelling Guarantee
4.3
Our Ranking
Restricted Time:
$150 Off + 1 Month Free
One facet I recognize about Elite Dwelling Guarantee is its dedication to buyer satisfaction — it persistently earns spectacular 4.5- to 5-star scores on trusted evaluation platforms like Google, Yelp, and Trustpilot. This stage of reward far surpasses the {industry}’s typical 2- to 3-star repute, 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 householders and sellers with peace of thoughts, guaranteeing that even high-end tools is properly protected. These larger limits could be a invaluable promoting level for properties with premium home equipment and programs.
One downside of Elite Dwelling Guarantee that issues me is its $150 surcharge for emergency repairs exterior of standard enterprise hours. For residence sellers, this coverage could also be a pink flag for potential patrons who need the peace of mind of complete protection with out hidden charges. One other facet of Elite Dwelling Guarantee that I don’t recognize is the corporate’s coverage of voiding workmanship ensures if householders select to make use of their very own trusted technicians as a substitute 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 Dwelling Guarantee is its unmatched protection limits, with caps reaching $10,000 for residence programs and $6,000 for home equipment. These beneficiant maximums are two to a few instances larger than the standard $2,000 to $3,000 provided by opponents resembling Liberty Dwelling Guard, American Dwelling Protect, and Choose Dwelling Guarantee. For householders with high-end home equipment and residential programs, Elite’s protection gives invaluable peace of thoughts — significantly interesting for residence sellers, as providing a guaranty with such complete safety could be a robust 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 characteristic of Elite Dwelling Guarantee is its in depth choice of 26 add-ons, permitting householders to customise their protection to suit the distinctive wants of their property. This flexibility is efficacious for properties with specialised programs or home equipment that might not be coated beneath normal plans. Nonetheless, you need to be conscious that Elite costs 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 might set off extra service charges, and Elite excludes commercial-grade tools throughout all plans.
Contemplating these limitations, I give Elite Dwelling Guarantee a good, however nonetheless spectacular 8.6/10 ranking for its complete protection and suppleness. The corporate’s beneficiant protection maximums and in depth add-on choices make it a best choice for householders searching for to safeguard their costly family programs and home equipment with the very best limits out there within the {industry}. For sellers trying to supply potential patrons the peace of mind of complete safety, Elite Dwelling Guarantee is a powerful contender.
Plans and Protection: 10/10
Elite Dwelling Guarantee’s plans earn an ideal 10/10 ranking 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 formidable $10,000, Elite affords two to a few instances extra safety than most opponents, resembling AFC Dwelling Guarantee, Liberty Dwelling Guard, and Choose Dwelling Guarantee. This in depth protection is especially invaluable for householders with high-end home equipment and programs, offering peace of thoughts within the face of pricey repairs. For sellers, providing a house guarantee with such beneficiant limits could be a vital promoting level, demonstrating the property’s worth and attracting potential patrons.
Like different residence guarantee firms, Elite affords three predominant 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 less than a slight enhance in value in comparison with the person plans. Throughout my secret purchasing, 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 Methods | $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 Notice: The price information talked about on this article was sourced for a single-family, two-bedroom residence beneath 5,000 sq. toes in Granger, IN. The price information offered was correct on the time of writing.
Out there Add-Ons
EHW affords 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 beautiful perk to potential patrons because it helps ensure that the HVAC system on their new residence 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 tools: $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/sizzling Tub: $99.99/12 months
- Garden Sprinkler System: $99.99/12 months
- Carry pump: $99.99/12 months
- Restricted roof leak restore: $99.99/12 months
- Pool & spa tools: $199.99/12 months
- Pool tools: $149.99/12 months
- Premium home equipment: $249.99/12 months
- Premium advantages: $199.99/12 months
- Premium programs: $299.99/12 months
- Premium programs 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
- Nicely pump: $99.99/12 months
- Wine cooler: $69.99/12 months
Exclusions
Elite has the beneath exclusions to its residence guarantee plans. These are typical in comparison with different suppliers.
- A scarcity of upkeep
- Acts of God
- Business-grade home equipment
- Beauty injury
- Pure disaster-related damages
- Items in a rental property
Editor’s Notice: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions might apply.
Affordability: 8.7/10
Elite Dwelling 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 charge is on par with high opponents. Nonetheless, after I spoke with Elite’s gross sales representatives, they weren’t clear and up entrance concerning the firm’s extra 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 affords a 30-day risk-free trial interval, permitting clients to vet plans earlier than totally committing, I nonetheless give the corporate’s affordability a good 8.7/10 ranking because of the hidden charges that may shortly drive up bills as soon as a service contract begins.
Buyer Expertise: 7.6/10
Elite Dwelling Guarantee’s web site lacks the transparency and user-friendly quoting course of that a lot of its opponents supply, making it difficult for householders to shortly evaluate plans and costs. To obtain even primary premium estimates, potential clients should name them immediately, and details about non-obligatory add-on prices is buried throughout the website. 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 extra charges, which might be irritating for sellers making an attempt to supply correct data to potential patrons. Regardless of these preliminary hurdles, Elite Dwelling Guarantee does boast quite a few optimistic buyer critiques on respected websites just like the Higher Enterprise Bureau, Trustpilot, and Google, indicating that the majority householders are happy with the corporate’s responsive assist and protection as soon as they signal a contract, incomes Elite a good 7.6/10 ranking from me for buyer expertise.
Firm Status: 8.3/10
As a comparatively new participant within the residence guarantee {industry}, Elite Dwelling Guarantee has a restricted variety of on-line critiques, with fewer than 1,100 whole throughout platforms together with the BBB, Google, Trustpilot, and Yelp. This small pattern dimension negatively impacts its repute 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+ ranking and accreditation with the Higher Enterprise Bureau present additional reassurance of its dedication to addressing buyer issues promptly, which may be significantly essential for sellers trying to supply a dependable guarantee as an inclusion to potential patrons.
| Ranking Website | Ranking | Variety of Evaluations |
| 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 Notice: The scores offered have been correct on the time of writing.
Claims Course of: 6.8/10
Elite Dwelling Guarantee’s apply of charging an extra $150 charge for after-hours emergency protection is a big downside that earns the corporate a below-average 6.8/10 ranking from me for its claims course of. For sellers providing a house guarantee as a part of their listings, this extra charge might be a pink flag for potential patrons who count on complete protection with out hidden prices.
On a extra optimistic notice, Elite permits clients to file claims 24/7 on-line or by cellphone, which is now the usual apply 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 Dwelling Guarantee is out there in 47 U.S. states — excluding California, Texas, Washington, and Wisconsin. For sellers in all different states, you possibly can rely on Elite’s native contractors to shortly repair points along with your home equipment and programs earlier than you record it and after inspections.
Finest for Further Advantages
AFC Dwelling Guarantee
4.3
Our Ranking
Restricted Time:
$200 off + free roof leak protection
I like that AFC Dwelling Guarantee affords sellers a variety of distinctive perks that transcend normal equipment and system protection, setting it aside from different suppliers. These advantages embody discounted residence safety, medical care, credit score monitoring, and insurance coverage financial savings — inventive extras that no different residence guarantee firm matches. By bundling these uncommon add-on protection choices alongside its strong core safety plans, AFC delivers nice worth to sellers trying to improve their residence’s attraction and streamline the promoting course of.
One concern I’ve with AFC Dwelling Guarantee is its variable protection caps, which may vary from $150 to $3,000 relying on the equipment or system. Sellers ought to rigorously evaluation every merchandise’s protection restrict to make sure they’ve ample safety and keep away from shock gaps that might depart them uncovered to costlier repairs or replacements. Moreover, AFC’s lack of 24/7 emergency restore companies with out further charges may be problematic for sellers, as ready prolonged intervals for vital repairs like cooling system failures throughout warmth waves might not be attainable and will doubtlessly delay the sale of the house.
Backside Line: 8.5/10
AFC Dwelling Guarantee affords 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 assist you to tailor their guarantee to your particular wants, whereas its A+ BBB ranking and constant adherence to contract phrases present peace of thoughts throughout the promoting course of.
Nonetheless, sellers ought to concentrate on 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 programs, as potential patrons may really feel much less protected. These variable caps are based mostly on obscure assessments of residence home equipment and programs, which may be irritating for sellers who wish to supply a clear guarantee.
Even contemplating these limitations, AFC Dwelling Guarantee’s Diamond Plan is a strong alternative for sellers, bundling programs, home equipment, roof leaks, and even private digital units at an reasonably priced value. Whereas it has some gaps in emergency companies and protection caps, this plan fits the wants of most properties and may be a beautiful promoting level. AFC’s 48-hour restore assure and lifelong workmanship assure guarantee well timed, high quality service when breakdowns happen. Total, AFC earns my robust 8.5/10 general ranking.
Plans and Protection: 8.1/10
AFC Dwelling Guarantee affords 4 plan choices, offering sellers with the pliability to decide on the protection that most closely fits their wants. The Silver Plan covers 9 main residence home equipment, whereas the Gold Plan expands to incorporate 15 home equipment and programs like electrical, plumbing, and HVAC. The Platinum Plan additional extends protection to 18 home equipment and programs, together with microwaves and in-fridge ice makers. Nonetheless, the standout possibility is the Diamond Plan, which comprehensively covers residence programs, home equipment, electronics, exterior traces, and even distinctive extras like roof leaks — a uncommon and invaluable characteristic that may be particularly enticing to potential patrons.
Throughout my secret purchasing, I found enticing reductions, resembling $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 units, resembling smartphones, tablets, and residential workplace tools, is a singular promoting level that units AFC aside from most suppliers. For its complete plans, distinctive perks, versatile service charges, and first rate add-ons, I price AFC Dwelling Guarantee a powerful 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 |
*When you select the decrease service charge 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 charge.
Editor’s Notice: The price information talked about on this article was sourced for a single-family, two-bedroom residence beneath 5,000 sq. toes in Granger, IN. The price information offered was correct on the time of writing.
Out there Add-Ons
AFC Dwelling Guarantee has the next non-obligatory add-ons to its plans. For householders who want to add an AFC plan as an inclusion to a sale, protection for unusual programs and home equipment like built-in microwaves, double ovens, septic programs, 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, price $25/12 months)
- Septic system: $50/12 months
- Stand-alone freezer: $25/12 months
- Sump pump: $35/12 months
- Nicely pump: $50/12 months
Exclusions
AFC has the next exclusions to their residence guarantee plans, that are typical amongst different suppliers:
- Crane leases wanted to maneuver home equipment or programs
- Geothermal heating programs
- Haul-away companies
- Lighting fixtures
- Malfunction or injury brought on by acts of God
- Code violations
- Home equipment and programs not correctly maintained
Editor’s Notice: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions might apply.
Affordability: 9.1/10
AFC Dwelling Guarantee stands out for its affordability and suppleness, with plans beginning at beneath $45 per 30 days 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 incredible 9.1/10 ranking. The corporate’s service charge 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 essential for sellers to rigorously evaluation the nice print in a pattern contract, as sure gadgets might 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 ample protection (i.e., you don’t want $3,000 to switch a microwave).
Buyer Expertise: 9.2/10
AFC Dwelling Guarantee’s buyer expertise is top-notch, incomes a 9.2/10 ranking in my guide. The corporate’s user-friendly web site makes it simple for sellers to customise insurance policies that swimsuit 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 invaluable 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 Status: 8.3/10
AFC Dwelling 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 strong 8.3/10 ranking for its repute. Regardless that AFC has fewer on-line critiques in comparison with main opponents, it holds a good 3.7 rating on Google, with many critiques spotlighting its immediate technician dispatch, easy claims course of, high quality repairs, and honest reimbursements. That stated, some unfavourable critiques 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.
| Ranking Website | Ranking | Variety of Evaluations |
| 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 Notice: The scores offered have been correct on the time of writing.
Claims Course of: 6.8/10
AFC Dwelling Guarantee’s claims course of has its strengths and weaknesses, incomes them a subpar 6.8/10 ranking. On the optimistic facet, the corporate’s life-of-contract workmanship assure is a standout characteristic that may be significantly interesting to sellers, because it ensures that any repairs made throughout the guarantee interval shall be coated with out extra 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 might 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 Dwelling Guarantee’s plans can be found to sellers in 48 states — excluding California and Hawaii. With AFC’s wide-spanning protection, you possibly can rely on its robust community of contractors for repairs earlier than and through your actual property sale.
Calculate the Price of Sellers Dwelling Guarantee
To assist price range for a brand new residence guarantee plan, use our calculator beneath. Simply kind within the month-to-month premium, service name charge, and estimated variety of service visits in a 12 months. The instrument will then output the whole annual price for a brand new plan that can assist you with budgeting. However have in mind, if the house guarantee is within the purchaser’s title, you gained’t be accountable 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 |
Steadily Requested Questions
Do You Want a Dwelling Guarantee for Sellers?
A house guarantee could be a invaluable asset for sellers, offering monetary safety towards surprising repairs and replacements throughout the itemizing interval. It will possibly additionally function a beautiful 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 Dwelling Guarantee Price for Sellers?
The common price 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 components that affect residence guarantee prices, try our complete information on residence guarantee pricing.
How To Save Cash When Purchasing for Dwelling Warranties for Sellers?
To economize when looking for residence warranties as a vendor, I like to recommend evaluating quotes from a number of suppliers and punctiliously 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 may help you safe the most effective charges. When you’re shopping for a plan earlier than you record your house available on the market, ensure you can switch it to the brand new homeowners.
Is a Dwelling Guarantee Value It for Sellers?
A house guarantee is price it for sellers as a result of it may present peace of thoughts throughout the typically anxious promoting course of, defending your price range from surprising restore prices and enhancing your house’s marketability. To study extra about the advantages of residence warranties and whether or not they’re proper to your state of affairs, learn our article on whether or not residence warranties are well worth the funding.
Different Guarantee Assets for Householders
Finest Dwelling Warranties by State
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