Home warranties offer peace of mind to homeowners who don’t want to worry about affording an unexpected repair or replacement on a major home system or appliance. In addition to receiving coverage for your air conditioning, heating, and plumbing, you can purchase additional protection for well pumps, roof leaks, and septic systems.
The This Old House Reviews Team did the research for you and compared the best home warranty companies in the nation against our review standards. We then selected our top picks available in Nebraska.
Nebraska’s Top 3 Home Warranty Companies
The highest-rated Nebraska home warranty companies include these:
- Liberty Home Guard: Best Customer Ratings
- American Home Shield: Best Coverage Caps
- First American Home Warranty: Best Appliance Coverage
Our team scoured the home warranty market to find the best providers for your state. We narrowed down the choices to three companies based on factors like reputation, coverage, pricing, benefits, and more. Here’s a closer look at the three companies.
Liberty Home Guard
Liberty Home Guard (LHG) stands out against other providers due to its live-chat customer service feature, a 60-day workmanship guarantee, and more than 30 unique add-on options that allow you to customize your coverage to fit your needs. In addition, LHG provides coverage for second air conditioning and heating systems within standard plans. Most providers cover additional units as an add-on only.
Pros and Cons
✔ Offers a 60-day workmanship guarantee
✔ Provides live-chat customer service through its website
✔ Extends a 60-day workmanship guarantee
✘ Lacks transparency with service call fee pricing options
✘ May take up to 48 hours to respond to a claim
Plans and Pricing
LHG offers three comprehensive plan options: Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard covers major appliances, such as your dishwasher, cooktop, and garbage disposal. Systems Guard covers home systems, such as your air conditioning, ductwork, and water heaters. Total Home Guard covers all the appliances and systems in the two earlier plans.
Liberty Home Guard offers a large suite of add-on options: Additional spa, carpet cleaning, casita guest unit, central vacuum, ejector pump, electronics protection, freestanding ice maker, generator, grinder pump, gutter cleaning, in-fridge ice maker, instant hot water dispenser, lawn sprinkler system, lighting fixtures, limited roof leak, pest control, plumbing fixtures, pool and spa, pro-series clothes dryer, pro-series dishwasher, pro-series microwave, pro-series range/oven/cooktop, pro-series refrigerator, pro-series washing machines, re-key services, reverse osmosis water filter system, saltwater pool, second refrigerator, septic system pumping, stand-alone freezer, sump pump, swamp cooler, trash compactor, water dispenser water line, water softener, well pump, window washing/cleaning, and wine cooler/fridge
LHG will assign a service call fee between $65 and $125 based on your plan, add-ons, and location.
To request a free quote, use Liberty Home Guard’s online tool or call 866-452-9107.
Learn more: Liberty Home Guard Review
American Home Shield
American Home Shield (AHS) is another reputable home warranty provider that offers generous home system and appliance coverage. AHS includes a $3,000 coverage cap per covered item in its ShieldSilver and ShieldGold plans. It doubles its coverage limits to $6,000 per covered item in the ShieldPlatinum plan. In addition, AHS provides flexible coverage via its three plans and three service call fees.
Pros and Cons
✔ Offers an Electronics Protection Plan as an add-on option
✔ Covers unknown preexisting conditions
✔ Includes re-key repairs in its basic plan
✘ Doesn’t offer many optional add-ons
✘ Requires claims to be filed as soon as discovered
Plans and Pricing
AHS offers three plans: the ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver protects important home systems, the ShieldGold covers major appliances and systems, and the ShieldPlatinum increases the ShieldGold’s coverage caps. The ShieldPlatinum also offers roof-leak coverage and a free HVAC tune-up.
AHS also provides coverage for the following optional add-ons: Electronics extended warranty, pool and spa, well pump, septic pump, guest unit under 750 square feet
AHS allows you to choose from a $100 or $125 service call fee when you sign up for a plan. The lower the service fee, the more your monthly premium will be. In general, a plan from American Home Shield will cost between $30 and $90 per month.
Learn more: American Home Shield Review
First American Home Warranty
First American Home Warranty (FAHW) is another veteran in the home warranty industry with more than 35 years of experience. In the past year, 63% of its customers filed a claim and FAHW saved them more than $177 million.
Pros and Cons
✔ Coverage for improperly installed or maintained items
✔ No coverage cap on cooling, heating, or ductwork
✔ Affordable premiums and service fees
✘ Provides only two plans, whereas AHS and other companies provide up to four
✘ Customers can’t build their own plan
Plans and Pricing
First American has two plans—a Basic Plan and Premier Plan. The Basic Plan covers home appliances, while the Premier Plan covers systems and appliances like your dishwasher, air conditioning, water heater, and ductwork.
FAHW also offers policyholders with more extensive coverage by including these optional add-ons: Additional refrigeration, central air conditioning, first-class upgrade, pool and spa, well pump
In general, a plan from First American will cost between $25 and $40 per month. All First American customers pay a service fee of $75.
Learn more: First American Home Warranty Review
Our Conclusion
Liberty Home Guard is a strong choice due to its 60-day workmanship guarantee and responsive customer service team. American Home Shield is another worthwhile consideration for homeowners who want pricing flexibility and high coverage caps. First American Home Warranty is a great choice for appliance coverage.
Because plan pricing will depend on where you live, the type of plan you choose, and the square footage of your home, we recommend getting quotes from at least three providers and comparing costs.
Frequently Asked Questions
Our Rating Methodology
The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.