Home warranties, also called home service contracts, cover your home’s systems and appliances when they break down from normal wear and tear. For a monthly fee, the warranty provider will send a contractor to repair or replace your covered items. Our team reviewed the best home warranty providers in the United States and identified the top companies in Ohio.
Ohio’s Top 5 Home Warranty Companies
The highest-rated home warranty companies in Ohio include the following:
Summary of the Best Home Warranty Companies in Ohio
We conducted in-depth comparisons of the top Ohio home warranty companies. Before making our recommendations, we considered their coverage options, customer service, plan costs, service fees, and transparency. The table below highlights several comparison metrics we used:
How Much Does a Home Warranty Cost in Ohio?
Our research shows a home warranty costs an average of $53 per month in Ohio. Various factors determine the total cost of purchasing a home warranty, such as your chosen coverage plan. We compiled several tips to help you lower your monthly cost.
- Bundle with home insurance: Some homeowners insurance providers offer bundling discounts when you pair a home warranty plan with a home insurance policy.
- Check for coverage overlaps: You may not need a comprehensive home warranty plan if you recently purchased new major appliances or systems. New appliances and systems usually have manufacturer’s warranties, eliminating the need for a home warranty.
- Limit your claims: Avoid filing claims on small issues you can repair yourself. This reduces the number of service call fees you’ll pay since providers charge a fee each time they send a technician to your home.
Are Home Warranties Worth the Money in Ohio?
Whether home warranties are worth the money depends on your situation. The main benefit of a home warranty is the cost savings you’ll have on appliance and system repairs. For example, suppose you’re in the process of buying or selling a home. If you’re a seller, you won’t be on the hook for any repair or replacement costs while the house is on the market. If you’re a buyer, you can rest easy knowing you won’t have to shell out big bucks for major repairs right after purchasing a new home. In this scenario, a home warranty is worth the money.
How To Choose a Home Warranty in Ohio
Due to Ohio’s cold winters and warm summers, consider a home warranty company that offers, at minimum, solid HVAC system coverage. Some providers may fit your unique situation better than others. Here are a few pointers to help you choose the best home warranty:
- Ask a professional: Talk to your local real estate agent if you have questions about home warranties. Many real estate agents know the ins and outs of home warranties and can give you provider recommendations based on their experience.
- Be wary of price: Going for the cheapest option may not always be the best option. Our research found that companies that charge less for coverage plans tend to have lower coverage limits. Consider a company that covers the full replacement cost of your home items.
- Understand your needs: Think about the home appliances and systems you use most daily and purchase a plan covering those items. Avoid buying a comprehensive plan if you don’t need some coverage options.
How Are Home Warranties Regulated in Ohio?
Our research shows that Ohio doesn’t clearly label home warranties as insurance in most cases. This means the state doesn’t regularly enforce regulations on companies selling home service contracts. That said, Ohio’s Department of Insurance (ODI) allows homeowners who own a home warranty to file a complaint online.
Home warranties also self-regulate via industry associations. The leading industry organizations that oversee the home warranty industry are the National Home Service Contract Association (NHSCA) and the Service Contract Industry Council (SCIC). Each organization has the common goal of protecting consumers from unfair business practices. In addition, they both have a member directory that lists compliant companies to help you choose the right Ohio home warranty.
How To Read a Home Warranty Contract in Ohio
Reading a home warranty company’s sample service contract helps you understand the company’s coverage, exclusions, and special conditions. While no two Ohio home warranty companies provide the same contract language, most follow a similar outline of terms and conditions. Here are the sections to focus on when reading a sample contract:
- Coverage: The coverage section of the sample contract lists all the items and the specific components a company covers. Companies also list their optional add-ons within this section.
- Limitations and exclusions: The limitations and exclusions section outlines the items, components, damages, and situations a company won’t cover. We recommend carefully reading this section to avoid an unexpected claim denial.
- State-specific clauses: Most home warranty companies list state-specific terms within their sample contracts towards the end of their service contracts. Generally, these state-specific terms list amendments, arbitration clauses, or actions you can take when filing a dispute.
We suggest American Home Shield because of its comprehensive coverage options and flexible service fee. Liberty Home Guard is another solid option for those who need unique coverage. Finally, Select Home Warranty makes sense if you only need basic HVAC coverage. Regardless of the type of coverage you need, we recommend getting quotes from all five home warranty companies. Doing so allows you to compare plan pricing and coverage options.
How Do I Find the Best Home Warranty Company in My Area?
Find in-depth reviews on the best home warranty companies for each state and major U.S. city below.
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 email@example.com.