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  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

Homeowners in Alabama rely on their air conditioning to stay comfortable during humid summers. However, it can be expensive to repair this system when it breaks down.

That's where a home warranty comes in. Home warranties cover major appliances and systems, protecting you from costly repairs and replacements. We've researched this list of the top home warranty companies in Tuscaloosa, Alabama, to help you make the best decision for you.

Best Customer Ratings
Liberty Home Guard logo
4.5/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process
Best for Comprehensive Coverage
American Home Shield logo
4.4/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems
Best Value
Select Home Warranty logo
4.3/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

7 Best Home Warranty Companies in Tuscaloosa

Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.

Featured Partner
American Home Shield Logo
Best for Comprehensive Coverage

American Home Shield

4.4/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options

52 Years in Business

BBB Rating:B

Featured Partner
Liberty Home Guard Logo
Best Customer Ratings

Liberty Home Guard

4.5/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions

6 Years in Business

BBB Rating:A+

Featured Partner
Select Home Warranty Logo
Best Value

Select Home Warranty

4.3/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

Cons

  • Has a $75 cancellation fee
  • Low coverage caps

11 Years in Business

BBB Rating:B-

Featured Partner
AFC Home Warranty Logo
Best for Customization

AFC Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue

14 Years in Business

BBB Rating:B

Featured Partner
First American Home Warranty Logo
Best Appliance Coverage

First American Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Allows you to choose your service call fee
  • Doesn’t have a coverage cap on heating, cooling, or ductwork
  • Accepts 24/7 service calls
  • Offers replacement of some covered items that are too damaged to repair

Cons

  • Doesn’t let customers choose their own contractor
  • Charges higher for coverage compared to other providers

39 Years in Business

BBB Rating:B

Featured Partner
Cinch Home Services Logo
Best Additional Perks

Cinch Home Services

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

Cons

  • Charges high service fees of $75-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska

45 Years in Business

BBB Rating:B

Featured Partner
2-10 Home Buyers Warranty Logo
Cheapest Appliances Plan

2-10 Home Buyers Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

Cons

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans

39 Years in Business

BBB Rating:A-

BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about Tuscaloosa

  • Average Max Temperature:
    73°F
  • Average Min Temperature:
    54°F
  • Average Annual Snowfall:
    0.1”
  • Homeownership Rate:
    64%
  • Median Home Size:
    1,988 sqft
  • Median Home Price:
    $208,358

Are Home Warranties Worth It for Tuscaloosa Residents?

Yes, home warranties are valuable for Tuscaloosa residents. Tuscaloosa summers are very hot, which makes it very important to have a reliable air conditioner. However, over time this system can malfunction from heavy use.

Winters in Tuscaloosa are fairly mild, but you still want a reliable heating system. HVAC system replacement can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide.

Tuscaloosa's heavy rain can damage your home's roof. Some home warranty companies offer limited roof-leak coverage, which can mitigate the cost of roof repair.

Lastly, a home warranty connects you with service providers you can trust. A reputable home warranty is a good investment because companies vet their technicians. When life keeps you busy, your home warranty company can give you peace of mind that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

Think about these key factors when choosing the right home warranty plan for you.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost approximately $53–$62 per month. There are also service call fees each time you file a claim. These fees range from $65–$125 per claim. A basic home warranty is generally more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. With most plans, you can get add-on coverage options for an additional monthly cost. Consider your specific needs before committing to a plan.

Coverage

Determine which systems and appliances you use most frequently. Most home warranty plans offer custom coverage tailored to your needs. If you only need coverage for certain systems, like your air conditioner, most providers offer systems-only plans. The same is true if you only want coverage for select appliances. The following is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Also, look at a provider's coverage limits. A plan with higher coverage caps may be a better choice if you own older appliances or systems. However, our research shows that companies with higher coverage caps usually charge higher premiums.

Exclusions

Most home warranties cover only normal wear and tear, which excludes improper installation and preexisting conditions. Most policies also exclude appliance components or cosmetic issues, routine maintenance, defects, or theft. Providers will outline exclusions and limitations in their service contracts. Thoroughly read your contract to ensure you understand your plan's terms and conditions.

Provider Reputation

Consider a provider's reputation before committing to a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites like Best Company, Trustpilot, and Google Reviews. These reviews can give you an idea of how providers handle claims and customer service. Check with the Alabama Attorney General to verify that a provider holds a license with the state.

Contractor Network

Consider a home warranty company's network of service providers. Reliable home warranty providers source licensed and registered contractors to handle service requests. We suggest asking a provider where and how it sources technicians. Choose a provider that mentions service contractors you're familiar with. Homeowners in rural areas may consider choosing a home warranty that lets them choose their technicians. You'll want the option to source your own providers if no in-network ones are available in your area.

Frequently Asked Questions about Home Warranty in Tuscaloosa

More Home Warranty Resources

Sources

To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.

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