Best 7 Home Warranty Companies in Lincoln, NE

Are Home Warranties Worth It for Lincoln Residents?

Home warranties are worth it for Lincoln residents. Lincoln summers can get hot, which makes it important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.

Lincoln winters are very cold, meaning you rely on your heating system often. 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 across the nation. The regular rain in Lincoln can damage your roof.

Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, home warranties connect you with trustworthy service providers. When life is keeping you busy, you want to know that a reliable technician is handling your repairs.

Reputable home warranty companies vet all their service providers.

What To Consider Before Choosing a Home Warranty Company

These key factors can help you choose the best home warranty plan for your needs.

Cost

After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost an average of $53–$62 monthly. Additionally, you'll pay a service call fee each time you file a claim. These fees can range from $65–$125 per claim. A basic home warranty will be more affordable than a comprehensive one. Home systems coverage plans tend to cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly cost. Consider your specific needs before committing to a plan.

Coverage

Many home warranty providers offer systems-only plans or plans for select appliances. Determine which systems and appliances you use most often before choosing a plan. If you only need coverage for certain major systems (like heating) or certain appliances, you can find a plan that meets your needs. Here is a list of common systems coverage:

• Air conditioner
• Central vacuum
• Ductwork
• Electrical
• Heating
• Plumbing
• Water heater

• Built-in microwaves
• Clothes washers and dryers
• Dishwashers
• Garbage disposals
• Ovens
• Refrigerators
• Stovetops

Exclusions

Home warranties usually only cover breakdowns from normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies will also not cover cosmetic issues or appliance components, routine maintenance, defects, or theft. You can read about your provider's limitations and exclusions within your service contract. Read carefully to ensure you understand your plan's terms and conditions.

Provider Reputation

Consider a provider's reputation before choosing 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 companies handle customer service and claims. Check with the Nebraska Consumer Protection Division to verify that a provider holds a license with the state.

Contractor Network

Consider a home warranty company's service provider network. The provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company how and where it sources technicians. Select a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so you'll need the option to source your own.